vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
Please ensure the removal of these fraudulent accounts from my credit report, as I did not create or authorize them and had no knowledge of their existence. Under USC 1681g, I ask that they be deleted within 15 days. Attached are the relevant documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize them and am unaware of their origins. As per USC 1681g, I formally ask that they be removed within 15 days. Please find the enclosed 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 2025-02-06 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8000.00} Date Opened XX/XX/XXXXXXXX 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 2025-02-06 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-02-06 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regional ( Truist ) credit I scheduled a payment and asked for them to cancel the payment that I have scheduled and they XXXX XXXX Id XXXX my ext.. the manager refused. refuse to give her ID Reference # XXXX they used a bullying tactic when I asked them to can my payment even after I told them the money wouldnt be in the account. Date of call XX/XX/year> at 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 explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Signed up for a 0 % APR for 12 month credit card at Mattress Firm via the Synchrony Financial credit card after buying a mattress in XX/XX/year> and being pitched by the mattress firm sales person. I enrolled in auto pay which i assumed would auto pay the monthly balance. I never recieved paper statements from them, but randomly noticed the other day the balance owed had gone up. I had to call and found out my auto pay was only paying the minimum monthly payment and therefore i was building up an interest bearing balance at like 30 % APR given the 12 month promotion period expired in XXXX. Becuase of this, i was hit with about {$400.00} of interest charges and i had no idea. I signed up for auto pay.. why would this result in me having a interest carrying balance? THis seems like deceit at best, or a scam at worst. I pay off my cards in full every year and in my life dont think ive ever been charged an interest penalty for carrying a balance. I think they did this on purpose so that they would be able to charge me interest.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
Okay so the first issue I started having with Cashapp was wed XX/XX/XXXX @ XXXXXXXX XXXX  I contacted support and told them that my cashapp wasnt letting me receive any payments so after that they said they would get me to someone that could help me mind you this is what a cashbot said not an actual person so when they claim they finally got someone name XXXX to help me I told them that payments were being canceled every time someone sent me money so they said after taking a look at my account they confirmed that the payment exceeded the number of transactions and they told me that I could try the payment later so the next issue was outta no where on XX/XX/XXXX at XXXX they suspended my account for no reason and when they had did that I wasnt even active on my cashapp I had stop using it but of course I still had funds on there which is {$1400.00} in my savings and {$36.00} on my cash balance so I let them know that when I had woke up it says my account was suspended so they told me to let them check on my account and basically see whats goin on I also let them know like I needed to transfer my money Im a single mom and that was actually my rent money so after that they said Ill reach directly out to our specialty team and they ask for a email that they could reach me at so here we are in XXXX as of today they are still holding my money failed to fix my account or let me withdrawal my money when I talk to someone on the phone they said oh you just have a frozen balance but then like in XXXX they just closed my account outta no where when they never said they was closing my account I literally did nothing and they still have my money till this day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. I have attached copies of supporting documents ( e.g., payment records, correspondence, identification ) to substantiate my claim. Under FCRA 1681i, you are required to investigate and correct or remove any inaccurate, incomplete, or unverifiable information within 30 days.

Please provide me with a written confirmation of your findings and any actions taken. Please confirm receipt of this letter and provide an update on the status of my dispute. 
Sincerely, 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 2025-02-06 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: NV

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. I have attached copies of supporting documents ( e.g., payment records, correspondence, identification ) to substantiate my claim. Under FCRA 1681i, you are required to investigate and correct or remove any inaccurate, incomplete, or unverifiable information within 30 days.

Please provide me with a written confirmation of your findings and any actions taken. Please confirm receipt of this letter and provide an update on the status of my dispute. 
Sincerely, 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
To date l have not been reimbursed the XXXX dollars. Additionally, l have told them to respond to me via email and not calls. They sent me a postal letter informing me that because l asked for their response in writing, they will cancel alerts etc on all my Chase cards. I did not ask them to do so. What was in question was the Chase Sapphire card only and nothing else. I also asked them to to explain the meaning of the negative balance. I am asking for your help as they have failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am requesting a Form 1099-C ( Cancellation of Debt ) for an account that has been placed in charge-off status. Since this debt was written off on the creditors books, I should have received a 1099-C for my records in accordance with IRS regulations .

Despite the charge-off, I have not received this form, which is necessary for tax reporting purposes. I am formally requesting that the Discover provide me with a 1099-C within 30 days. If this request is not fulfilled within the given timeframe, I will be taking legal action to ensure compliance with federal requirements.

Please confirm receipt of this request and provide an update on when I can expect to receive the 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Block , Inc due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Pacifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute resolution processes was unfair and deceptive, as they did not comply with error resolutions requirements under the electronic fund transfer act and regulation e. These actions have caused significant and convenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WV

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 : address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 52 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 2025-02-06 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 non-monetary relief
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks 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 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against Jefferson Capital LLC regarding their failure to provide adequate debt validation after I requested it. I have previously asked for validation of a debt they claim I owe, but the information they provided is incomplete, inaccurate, and does not meet the legal requirements. Specifically, the documents they sent fail to prove that they own or have the right to collect on the debt, and they did not provide the necessary details, such as the name of the original creditor, a full payment history, or any proof of assignment of the debt.

In addition, I believe they have violated both the Fair Debt Collection Practices Act ( FDCPA ) and the Texas Debt Collection Act ( TDCA ) by failing to provide the appropriate validation documentation. According to Texas law, they must show proof of ownership of the debt and detailed documentation of any changes to the original amount.

Furthermore, I am concerned about how Jefferson Capital LLC obtained my personal information, as I have not consented to the purchase or sale of my data related to this debt. Simply having my personal information should not be grounds for pursuing legal action or reporting the debt to the credit bureaus without proper documentation. 

I have asked Jefferson Capital LLC to cease collection activities until they can provide the necessary documentation to validate the debt. I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Jefferson Capital LLC is held accountable for their failure to comply with debt validation laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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