vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc ) due to in adequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ) pacifically Cash App failed to take timely. Effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive as they did not comply, error, resolution requirements under the electronic fund transfer act ( EFTA ) regulations. These actions have caused significant inconvenience and financial loss and I seek appropriate address for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: SC

Complaint narrative:
Jefferson Capital Online services XXXX XXXX These third party companies can not validate there information and I never gave written permission to these companies. Under the 605B credit act they should be removed from my file. I have tried to dispute directly with experien and XXXX. These collection agencies use scare tactics over the phone as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX SPRINGOAKCAP ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : SPRINGOAKCAP Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with SPRINGOAKCAP authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that SPRINGOAKCAP provide all supporting documentation, including the original agreement and proof of validation, within XXXX days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the XXXX period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I don't understand why it's there. I regularly check my report, but today I noticed something unusual. I attempted refreshing my browser, thinking it might be a temporary error, but the unauthorized inquiry remained. This is causing me a lot of frustration, and I need this issue to be addressed immediately by thoroughly reviewing the documents I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-23 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 non-monetary relief
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against XXXX for a failing to improperly. Investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours. Stating the account is accurate without providing any evidence of thorough investigation. This practice violates the fair credit act reporting. Which mandates a reasonable investigation of disputes? Furthermore, XXXX actions may also contravene.The consumer financial protection act as highlighted in the cfp b 's recent administrative Proceedings against them similar violations.I request that CFP b take action to ensure Equifax.Complies with the federal law and provides consumers with the necessary proof of investigation

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 2025-01-23 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: LA

Complaint narrative:
I am filing a complaint against XXXX for a failing to improperly. Investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours. Stating the account is accurate without providing any evidence of thorough investigation. This practice violates the fair credit act reporting. Which mandates a reasonable investigation of disputes? Furthermore, XXXX actions may also contravene.The consumer financial protection act as highlighted in the cfp b 's recent administrative Proceedings against them similar violations.I request that CFP b take action to ensure Equifax.Complies with the federal law and provides consumers with the necessary proof of investigation

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 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
American credit acceptance is refusing to help with any accommodation after XXXX XXXX sold me a car that head gasket is blown out of after having the vehicle for one month, car dealership never gave me any car facts or did not conduct a pre inspection of the vehicle during the purchase also

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccurate information in my credit t. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing and 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. I request that CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are accounts I have tried to dispute being they were paid off or I do not have a contract with them.

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 2025-01-23 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Subject : Dispute Letter Regarding Identity Theft and Security Breach To Whom It May Concern : I am writing to formally file a dispute regarding identity theft and the unauthorized exposure of my personal information due to a security breach. I request your immediate assistance in addressing this matter and ensuring the correction of any adverse consequences resulting from this situation.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate and should be removed. These mistakes that you are reporting are affecting my character and reputation as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute information on my credit report that I believe is inaccurate and should be removed. These mistakes that you are reporting are affecting my character and reputation as a 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 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent and inaccurate information on my credit report as a result of identity theft stemming from a data breach. The details of the affected accounts are provided below for your review and immediate action. 

Details of Complaint : I have identified the following items on my credit report that are fraudulent and request their immediate removal : XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

U.S. Department of Education Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

Requested Action : Pursuant to section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you : Block the fraudulent information listed above from my credit report. 

Notify all furnishers of the fraudulent information promptly. 

Supporting Documentation : Enclosed with this complaint, you will find : A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the FCRA, which mandates blocking fraudulent information on credit reports resulting from identity theft within four business days and notifying furnishers of the same. 

A copy of my ID And SSN card for varication And a bill to verified my address. 

I appreciate your prompt attention to this matter and look forward to your reply. Please confirm receipt of this complaint and provide an update on the resolution timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent and inaccurate information on my credit report as a result of identity theft stemming from a data breach. The details of the affected accounts are provided below for your review and immediate action. 

Details of Complaint : I have identified the following items on my credit report that are fraudulent and request their immediate removal : XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

U.S. Department of Education Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX XXXX Account Number : XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

XXXX Action : Please delete this account immediately under FCRA 605B as it is fraudulent. 

Requested Action : Pursuant to section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you : Block the fraudulent information listed above from my credit report. 

Notify all furnishers of the fraudulent information promptly. 

Supporting Documentation : Enclosed with this complaint, you will find : A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the FCRA, which mandates blocking fraudulent information on credit reports resulting from identity theft within four business days and notifying furnishers of the same. 

A copy of my ID And SSN card for varication And a bill to verified my address. 

I appreciate your prompt attention to this matter and look forward to your reply. Please confirm receipt of this complaint and provide an update on the resolution timeline.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I noticed some serious mistakes on my credit report related to specific accounts that arent being reported accurately. This is directly affecting my credit score and causing unnecessary financial strain.

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