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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently got a copy of my credit report and noticed some inaccuracies on my credit report this account is hurting my ability to obtain credit is my understanding that Transunion will investigate this account for me to ensure 100 % accuracy here is the account that Im asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
: Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. @ : Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

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:
I Am Writing To Formally Dispute Inaccurate Information Contained In My Credit Report. Please Review This Letter Under The Guidelines Of The Fair Credit Reporting Act ( Fcra ), Which Mandates Credit Reporting Agencies To Maintain Complete And Accurate Information And Investigate Consumer Disputes In A Timely Manner.

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 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
This company call me send letters to my home asking me to pay XXXX at XXXX for XXXX weeks Asked them to do a investigation they told me thats not their job I have all the phone calls recorded I ask to speak to attorney they said I cant speak to one told me not to record what they are saying they want give me any information but want take this car off my credit they saying that the dont own the debt but they are collecting the money for credit acceptance I asked for proof XX/XX/XXXX its XX/XX/XXXX still nothing but they are still calling me and sending They repoed my car XX/XX/XXXX after I called and asked to be placed on a payment plan because I was sick going thru XXXX they said okay but still took my car asked me to pay a huge lump some of money I couldnt afford at the time and towing fees and a fee to get my items out the car than 2 weeks later I received a letter saying they sold the car at auction and Im on the hook for XXXX dollars for XXXX XXXX XXXX with XXXX miles which is a rip off this as effectively messed my life up my mental health and my lively hood they just getting over on working class thats In need .. they call me 25 times a day leave messages emails letters call from all type of number all times of the day Im going through enough

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: Certegy Holdings, LLC
State: WA

Complaint narrative:
I had called certegy on XX/XX/XXXX a transaction was declined at XXXX and Certegy said that I couldn't dispute or remove any information because they don't do that that I have to call XXXX or XXXX or XXXX and in the beginning of the phone call when I call it says that if you want to dispute that I can so that was not true and the lady did not want to transfer me over to a supervisor when I asked to speak with a supervisor she said that one was not available and then try she put the phone down and then she answered herself again pretending to be a supervisor. And also I sent them a fax affidavit declaration notice to exercise my right to have my information which is private removed from their system and I asked the lady about it and she did not know anything about it so then I ask to speak with the department that handles that and she was told me to call back and no supervisor was available.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
ive XXXX banking with paypal for awhile now and ive always paid off any bills inhad with or any fees well oneday intried cashing a checkmand the denied me then i had money deposited and they want to hold it for two week so i was going back and forth with them and i let it go a coupkevdays later went to use the pay in 4 payments it denied me then i went to go ask for credit they denied me and they woukd never say why just my credit wasnt good enuogh and that XXXX there is not XXXX XXXX and XXXX 15 1692 code statesvthat wat there doing when denieing me is illegal and a violation of my tila ecoa civil right so tjis happens all the time every time i apply they refuse they deni me but still add hard inqury to my report it all fraud

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am disputing an account that is falsely being reported on my XXXX credit report. The account belongs to XXXX, and it is not mine. I have never had any financial relationship with XXXX, nor have I ever opened an account with them. 

I previously disputed this fraudulent account with XXXX, and instead of removing it, they only marked it as closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) because they are reporting false and unverified information. 

Under FCRA Section 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a full reinvestigation and remove the inaccurate information if it can not be verified. I am demanding immediate deletion of this account from my credit report.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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: IN

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
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: FL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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: EQUIFAX, INC.
State: PA

Complaint narrative:
In 2017, Equifax experienced a massive data breach that exposed sensitive personal information, including Social Security numbers and financial details. Unfortunately, I was one of the individuals affected by this breach. The aftermath of Equifaxs negligence has left me in a constant state of concern over identity theft, forcing me to take additional measures to protect my financial well-being.

Over the years, Ive had to invest my time and money into credit monitoring and fraud protection servicescosts I never should have incurred if Equifax had upheld its duty to safeguard my information. The uncertainty of whether my data has been misused lingers, creating undue stress and financial strain.

Despite assurances that proper security measures were in place, my personal and financial security was compromised due to Equifaxs failure. I am seeking a resolution that acknowledges the burden placed on me as a result of this breach and ensures that the necessary actions are taken to rectify the harm caused.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
requested, how i had history of delinquent payment history from XXXX to XXXX when XXXX history shows PAID AS AGREED form date of opening until XXXX when i was decreased. see attachment

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Just a few few minutes ago, I received a phone call from XXXX XXXX the person on the phone was attempting to get my social security number. When I refused she hung up on me. I called the number back to learn it is XXXX, XXXX. They are requesting I send them {$800.00} on a debt I dont believe I owe. The debt is from 2021 and I am sure has been charged off. I asked them to mail me something in writing but the person kept insisting on having my email. I refused. I believe this item has been charged off

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit profile. These inquiries have been detrimental to my life and credit health.

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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 — Information belongs to someone else
Company: Lendmark Financial Services
State: SC

Complaint narrative:
lendmark opend acct in my name on XX/XX/year>XXXX  for why dont know or where or for what sent in police report several times no results now need to put lawsuit for incorrect info on my credit report under the fair credit report act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately!

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXXXXXX XXXX XXXX XXXXXXXX ( Civil Liability for Willful Noncompliance ) anXXXX XXXX XXXX XXXX XXXX XXXX Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX XXXX Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They must be deleted from my report.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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