vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the cause to information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the cause to information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Thank u for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if futher information is required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I mark as inaccurate, XXXX - {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Which I tried to dispute and they continue to reopen and put on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to report an issue regarding an account listed on my credit report under the name XXXX XXXX. Upon investigation by the CFPB, the company has responded and confirmed that they have no recollection of the account in question and can not verify its legitimacy. Despite this, the account continues to appear on my credit report under XXXX XXXX. 

Given that the company has stated they can not verify the account and have no record of it, I am requesting that this account be removed immediately from my credit report. This account is incorrect, unverified, and damaging to my credit history and score. 

I request that Equifax, XXXX, and any other involved credit reporting agencies take prompt action to remove this entry from my credit report in compliance with the Fair Credit Reporting Act and relevant consumer protection laws. 

XXXX XXXX account shows as XXXX I appreciate your immediate attention to this matter and look forward to its swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to report an issue regarding an account listed on my credit report under the name XXXX XXXX. Upon investigation by the CFPB, the company has responded and confirmed that they have no recollection of the account in question and can not verify its legitimacy. Despite this, the account continues to appear on my credit report under XXXX XXXX. 

Given that the company has stated they can not verify the account and have no record of it, I am requesting that this account be removed immediately from my credit report. This account is incorrect, unverified, and damaging to my credit history and score. 

I request that XXXX, Experian, and any other involved credit reporting agencies take prompt action to remove this entry from my credit report in compliance with the Fair Credit Reporting Act and relevant consumer protection laws. 

XXXX XXXX account shows as XXXX I appreciate your immediate attention to this matter and look forward to its swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
We were having issues with my Synchrony Bank credit card that we opened for our Sam 's Club account. I logged in and had a zero balance. I logged in shortly later to see if the Sam 's Club account was still linked and there was a balance and a late fee. I paid the balance and explained the late fee wasn't valid. They refused to remove it. Now, on a zero balance they've been repeatedly adding late fees and interest. There's almost {$300.00} due. This was an error on their end and the refused to fix it. I explained the situation and they flat out refused- even though the glitch was on their end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I requested documentation about the debt XX/XX/year> via email. Its XX/XX/year> ; I have not received any response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Dear CAPITAL ONE I am writing to formally dispute an inaccurate charge on my credit report. The charge in question is an amount of over {$500.00} plus from CAPITAL ONE, posted on XX/XX/25. I believe this charge is incorrect due to incorrect user and mistaken card holder unauthorized transaction, billing error, fraudulent activity, etc.I am requesting its removal from my credit report. 

I have already contacted my credit card issuer, CAPITAL ONE to resolve this issue. However, the charge remains on my report, negatively affecting my credit. Enclosed are copies of relevant documents, including my dispute with the credit card issuer, correspondence, and a copy of my credit report highlighting the disputed charge. 

Under the Fair Credit Reporting Act FCRA 605B I request that this matter be investigated and corrected promptly. Please provide me with written confirmation of the results of your investigation. If the charge is not removed, I request a detailed explanation of why it is being upheld. 

THANK YOU for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to obtain copies of my credit report that includes my current scores from each bureau with zero response. XXXX has not mailed me a full copy of my report and neither has XXXX or Transunion. Anytime I inquire with XXXX, I always receive a letter stating they can't find my report, then they miraculously update things. With Transunion, they always say my identity doesn't match but I give my social security number along with other requested identifying information. When I file disputes with XXXX they open the dispute and close it within less than 24 hours claiming they verified information as accurate and they will send the information they used along with a report reflecting this information, but they never do. I have a hard time believing a dispute was resolved in less than 24 hours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to obtain copies of my credit report that includes my current scores from each bureau with zero response. XXXX has not mailed me a full copy of my report and neither has Equifax or XXXX. Anytime I inquire with Equifax, I always receive a letter stating they can't find my report, then they miraculously update things. With XXXX, they always say my identity doesn't match but I give my social security number along with other requested identifying information. When I file disputes with XXXX they open the dispute and close it within less than 24 hours claiming they verified information as accurate and they will send the information they used along with a report reflecting this information, but they never do. I have a hard time believing a dispute was resolved in less than 24 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing a claim complaint with the XXXX regarding Experian did not properly investigate disputes and fails to remove or reinserts disputes, error on reports in timely manner using a credit consultant and wrong information on my report. They did not properly investigate or follow up credit advisors. With this when my credit was access it result in not being approved. 
Withholding and not properly reporting my information to different consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2024, I mailed to the XXXX XXXX XXXXXXXX Wells Fargo XXXX in an amount made payable to the taxing agency along with the FTBs Form XXXX, XXXX XXXX. Between, XX/XX/2024 and XX/XX/2024, my WF Check was intercepted and washed to now show the payee as a different entity. On XX/XX/2024, my WF Check made payable to another entity was sent from XXXX to WF and deposited into my checking account. There are obvious alterations/changes made to the physical appearance of the check including : ( 1 ) the payees name is now the only PRINTED word on the check while the remaining handwriting on the face of the check is in the original longhand and/or cursive writing; and ( 2 ) the check had been washed to the point the original XXXX XXXX design no longer appeared in the background of the check. This shows a lack of ordinary care on the part of WF to identify any irregularities and/or forgeries pertaining to this check. On XX/XX/2024, WF issued a monthly billing statement that showed the item number, the amount and date of payment. In the Description column of the statement, it does not reflect the actual payees name only the word Check. On the last page of the WFs monthly statement, in the fourth bullet located in the Important Information Should Know section it reads : Promptly review your account statement within 30 days after we made it available to you, and notify us of any errors. Based on these instructions, it is not possible to tell when a payees name has been altered. On XX/XX/2024, I received a letter from WFs Branch and XXXX XXXX XXXX Department regarding the first claim indicating we have determined the transaction posted correctly. Please consider your claim closed. This was the first denial I received from WF. This denial was based on the wrong assumption that I was disputing the amount of the check as opposed to the alteration of the named payee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation