vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes. 
Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law.

Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through XXXX XXXX Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: MO

Complaint narrative:
I want the immediate cessation of the reporting of all my XXXX XXXX credit card accounts on all my credit reports. I make this request based on the law 15usc6802. This law clearly states that for any financial institution to disclose my information to any third party, they must get permission to do so and that I have the right to opt out of such disclosures and that I must be provided with information of how I can opt out of such reporting. I never got a disclosure of how I can opt out of such reporting, and I never gave XXXX XXXX permission to disclose my information to any third party, including credit bureaus. I therefore seek the immediate cessation of reporting XXXX XXXX on my credit report. I have attached a copy of the law below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

End of quote. 
Kindly cease the reporting of XXXX XXXX on my credit report. I am exercising my rights to opt out of such reporting. I have also attached a copy of the law in the file attached.

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 2025-02-25 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: FL

Complaint narrative:
I am filling a complaint against Equifax for falling 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 proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, Equifax actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is 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 inaccurate ) Child support account # XXXX XXXX  account # XXXX XXXX XXXX & XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  consumer account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
XXXX XXXX the date of the first delinquency does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well and I'm also requesting FULL disclosure of the XXXX of my profile.

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 2025-02-25 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: FL

Complaint narrative:
XXXX XXXX the date of the first delinquency does not match the date that I have under 15 USC 1681 B E you must provide maximum possible accuracy and I'm taking into consideration that the CFPB is suing you as well and I'm also requesting FULL disclosure of the XXXX of my profile.

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 2025-02-25 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: SC

Complaint narrative:
My credit report wasnt investigated. I have asked for help and paying Experian to monitor my credit had things are just popping up on there I didnt do or purchase.

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 2025-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I provided information to the detective that handled the case where my purse was stolen at XXXX XXXX. In XXXX  the man that stole my purse was released and none of the original items from my purse never were returned to me. In XXXX  my phone stopped working for a week and someone had to be using my information to takeover my bank accounts, phone service, and emails. I never applied for a XXXX XXXX XXXX. XXXX XXXX Charged this debt off. XXXX XXXX also did a 1099C on this debt and turned around and sold the debt to a collection agency. I'm prepared to go to court and prove my claim. Again, I'm saying that I am absolutely not responsible for this credit card. I want to see the proof with my signature and loa documents that I approved this account. I want to also see proof where my telephone was used to activate the card and I want proof that this card was indeed delivered to my place of residence. This is the case and the detective on the case. Here is my police report number is XXXX the detective that handled the case is Detective XXXX of The XXXX Police Department. His direct line is ( XXXX ) XXXX this detective will be in court to back my story.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Disputing Inaccurate Credit ReportingBridgecrest Account To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information appearing on my credit reports from XXXX, XXXX, and XXXX regarding the following account : Creditor Name : Bridgecrest Type of Account : Auto Loan Upon reviewing my credit reports, I have identified multiple discrepancies in how this account is reported across the XXXX major credit bureaus. These inconsistencies include, but are not limited to : High Balance Discrepancy : The high balance reported by XXXX ( {$XXXX} ) is significantly different from that reported by XXXX and XXXX ( {$XXXX} ). This discrepancy must be corrected to ensure accurate reporting. 

Date of Last Activity & Reporting Differences : XXXX lists the last activity as XX/XX/XXXX, whereas XXXX and XXXX report XX/XX/XXXX and XX/XX/XXXX, respectively. 

The date reported also varies between XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 

Closed Date Discrepancy : XXXX reports the account as closed on XX/XX/XXXX, while XXXX and XXXX do not list a closed date. 

Creditor Remarks and XXXX XXXX : XXXX and XXXX state that the debt is being paid through insurance, but the account is still listed as a charge-off with a past-due balance. 

If the debt is covered by insurance, then a charge-off status is incorrect and should be updated. 

Balance and Payment Status Discrepancies : The balance owed is consistently reported as {$5500.00}, yet the account is charged off. This raises questions about whether the debt has been settled or transferred inaccurately. 

If the debt was charged off, the balance should not still be reported as due. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into these discrepancies. Please provide documentation verifying the correct and consistent details of this account, or remove the inaccurate information from my credit report. 

As required under FCRA guidelines, please complete your investigation within 30 days and send me written confirmation of your findings. If the information can not be verified, I expect the incorrect details to be deleted from my report. 

I have attached copies of my credit reports highlighting these inconsistencies, as well as any supporting documentation to facilitate your investigation. 

Please provide written confirmation of your actions to the address listed above. If you need further information, feel free to contact me via mail. 

Thank you for your prompt attention to this matter. 

Enclosures : Copies of credit reports with highlighted discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: IL

Complaint narrative:
I submitted a dispute to TransUnion for the XXXX late reported to TransUnion by XXXX. XXXX Mortgage for XXXX XXXX. I provided proof in the form of a letter from XXXX. XXXX stating that there would be no negative credit reporting during the XXXX transfer period. TransUnion investigated and accepted that it was XXXX. for XXXX. XXXX to report the late in the face of evidence from XXXX. XXXX stating that they would not. 

I informed TransUnion that this XXXX/XXXX. XXXX XXXX  XXXX began after servicing was transferred from XXXX to XXXX. XXXX in XX/XX/year>. The transfer period from XXXX XXXX. XXXX stated to be XXXX  days per an email and also a letter delivered by the XXXXXXXX XXXX XXXX. In addition, the email and letter states that there will be no late fees or negative credit reporting during the transfer period of XXXX  days beginning in XXXX. 

The transfer period was therefore from XXXX to XX/XX/year>. The account was refinanced to XXXX XXXX XXXX XXXX before the completion of the transfer period in XX/XX/year>, and the XXXX/XXXX. XXXX mortgage loan was paid in full. As a matter of fact, XXXX. XXXX sent me a refund check, dated XX/XX/year>, greater than the amount of the mortgage payment. 

Based on the email and letter from XXXX. XXXX stating that the mortgage loan had a XXXX transfer period with no late fees or negative credit reporting during that period and the account still being in the transfer period ( XXXX XXXX  ), XXXX. XXXX inaccurately reported a XXXX late to XXXX and Transunion for XX/XX/year>.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Back in XXXX, I noticed my XXXX score came down from XXXX to XXXX in XXXX and XXXX in XXXX. After I investigated the problem, I found out that my XXXX Credit card was canceled for no payments. I checked with my office XXXX here at my clinic and she reported to me she has not seen the XXXX monthly statements for over XXXX months. I called XXXX Bank about this and they informed me that the bills went out every month. I explained to them we had not received the statements in our office. On a side note, we have also experienced loss mail previously, particularly when we moved our clinic to the new location. I requested a history of my payments and I noticed that according to their records, there were no payments for XXXX and XXXX, but the balance for XXXX was {$XXXX}, which we paid {$XXXX}. In XXXX the balance was {$XXXX}, for which we paid {$XXXX}. The total balance between these XXXX months was {$XXXX}, for which we paid {$XXXX}. In XXXX the balance was {$XXXX}, but there was no payment on that month from us, but they had a {$XXXX} credit, which they did not apply to the current balance. On XX/XX/XXXX, the balance then was {$XXXX}. They had plenty of credit to apply towards the balance. In XXXX there was a {$XXXX} balance, but yet we paid {$XXXX}, which they said we owed. I am reading this payment history from the report we received from XXXX Bank. Finally, they canceled my account for non-payment and reported to the credit bureaus that I was late 90 days, which is incorrect. I contacted XXXX and XXXX about this situation. I filed a complaint to have them remove the derogatory information on my credit, which until then was almost a perfect score. I contacted them about their results and all they could say was that they could not delete this information from my records. It was a young lady from XXXX, who suggested contacting your agency because you could be the only XXXX, who could clarify this situation for me and the bureaus so they can delete derogatory information from their records. I hope you can review the merits of my claim and favor my petition. I do not want my perfect credit to be damaged as a result of inefficiencies from the XXXX Bank and XXXX Bureaus. I thank you for taking the time to read this rather lengthy complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair 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 XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the XXXX does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and XXXX  authorization XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: FL

Complaint narrative:
I am filling a complaint against XXXX for falling to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without proving any evidence of a though investigation. this practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. furthermore, XXXX actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as it is 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
( These are the accounts that inaccurate ) CXXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # 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 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 proce 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 2025-02-25 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am submitting a complaint about an arbitrary reduction of my credit limit on my account from {$XXXX} to {$XXXX}. As a responsible cardholder who has consistently met all payment obligations without any delays or defaults, I find this action unjustified and detrimental to my creditworthiness. The sudden reduction in my credit limit has had a direct and negative impact on my credit utilization ratio, which is a significant factor in determining my XXXX XXXX. However, this unwarranted decrease in my credit limit has now artificially inflated my utilization ratio, thereby causing a drop in my XXXX XXXX. This arbitrary decision by Synchrony Financial not only undermines my financial standing but also jeopardizes my ability to secure credit in the future on favorable terms. A strong XXXX XXXX is essential for obtaining loans, mortgages, and even securing lower interest rates. The reduction in my credit limit, without any valid reason, has unfairly compromised my creditworthiness and financial stability. I request another review of this decision and the reinstatement of my original credit limit of {$XXXX}. Additionally, I seek a clear explanation for this reduction to ensure transparency and to prevent any future occurrences that could further damage my credit profile. As a loyal customer, I expect Synchrony Financial to address this issue promptly and take corrective action to mitigate the harm caused to my credit standing. I will continue to file complaints until this is resolved to my satisfaction.

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