vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple personal credit cards account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a telephone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.

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 2025-02-21 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: KY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXXXXXX XXXX XXXX account was CHARGED OFF on XX/XX/XXXX but XXXX XXXX XXXX XXXX continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX  has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

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 2025-02-21 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: KY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX XXXX XXXX account was CHARGED OFF on XX/XX/XXXX but XXXX XXXX XXXX XXXX continues to report it as a charge off every month in this manner updating it monthly. Not only that it also add additional charges/fees after charge off, so balance keeps Charge off account should not have any updates after it was charge off. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX XXXX XXXX has failed to provide me with a 1099-C form, as required by IRS code 4681. Additionally, XXXX XXXX XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report.

2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-02-21 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: TX

Complaint narrative:
I am writing to address a serious issue regarding a tradeline on my credit report that is not being reported with the maximum possible accuracy. It has come to my attention that the information associated with this account is incorrect, and it does not meet the standards required for accurate 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 explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 duspute 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 2025-02-21 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debit sold to another debit collection no knowledge of this account no information provided this account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARS Acquisition, LLC
State: GA

Complaint narrative:
Subject : Cease and Desist Demand for Immediate Account Removal FCRA Violation To Whom It May Concern, I am formally demanding that you cease all reporting and collection activities regarding the account listed below and immediately remove it from all credit bureaus under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. 
Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Reporting : XXXX XXXX XXXX, XXXX XXXX : Derogatory/Closed FCRA Violations & Demand for Deletion Upon reviewing my credit report, I have identified inaccuracies and misrepresentations regarding this account, including : 1. Inconsistent Reporting The payment status, high credit, and comments are not accurately reported across bureaus. 
2. Resolution Not Reflected The account is marked as paid by dealer or credit grantor paid by company, indicating I am not liable, yet it remains derogatory.

3. Dispute Not Properly Investigated Under 15 U.S.C. 1681i ( a ) ( 1 ), you were required to conduct a reasonable reinvestigation of this account, which appears not to have been done adequately.

Under 15 U.S.C. 1681s-2 ( b ), you are required to only report information that is accurate and verifiable. Since this account contains factual errors and does not reflect my liability, you are in direct violation of federal law.

Cease and Desist Order Pursuant to 15 U.S.C. 1692c ( c ), I demand that you immediately : Cease all collection activities, including calls, letters, and third-party transfers. 
Remove this account from XXXX, XXXX, and XXXX within 5 business days. 
Provide written confirmation of deletion. 

Failure to comply will result in : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Potential legal action for violations of the FCRA and FDCPA, including monetary damages under 15 U.S.C. 1681n and 15 U.S.C. 1692k. 

This is your final notice. If this account is not removed, I will escalate accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Im a consumer of U.S bank. I have never been treated with any bank the way I was being treated with them. As of todays date XX/XX/XXXX of 2025, Im stating that this is not the first incident where I feel like Im being denied Service. After stating that I have a language barrier, I feel that I was being discriminated against. I was denied service on multiple asks with no legitimate reason. I asked many times the reason behind their denial and I was never given a response. Bankers laughed at me. I have been treated poorly and unfairly as a consumer. It all started with inquiring about how they make a decision on how to reverse a fee who makes that discretion. I was denied all answers. When I asked why all fees are excessive and why they arent able to give courtesies, I wasnt given an answer. I spoke with at least five people and the department and no one was able to give me an answer. I have been a victim of excessive fees and a denial of service. I wish that someone can listen to the recorded lines as I made many phone calls. One of them lasted from XXXXXX/XX/XXXX till XXXXXX/XX/XXXX. I was then requesting for management to either email me or to reach out to somebody and writing. I was denied that service as well for any of I was denied that I asked for an email for the department that I was denied that as well. I feel helpless. I need someone to be able to support me on this case. I have a lot more to explain, but I feel and capable of describing it by typing.

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 2025-02-21 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:
I am filling a complaint I guess cash app ( block , inc . ) due to indication, customer service, and a fair practice act ( CFPA ). Pacifically cash app app file to take timely and effective measures to prevent an address brought on their platform, even my account, vulnerable and protected furthermore dear dispute evolution process was unfair and deceptive as they did not comply or error, read solution requirement under the electronic fund transfer act ( EFTA ) regulation E These actions has caused significant and convenience and financial loss and I see inappropriate redress. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
Mohela refuses to answer calls and provide assistance. They keep you on hold for over XXXX hours forcing customers to give up and hang up. They pretend to call back by sending emails claiming to have called but they never follow up as requested. They do not provide any assistance or answers. They also claimed to have misplaced {$5000.00} until I reported them to the ombudsman office. They are mishandling the loans of millions of Americans while leaving us hanging and in the dark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 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: AL

Complaint narrative:
The XXXX XXXX ( Equifax ) Acc # XXXX was deleted from XXXX and Transunion I reported this to Equifax, and nothing has been done/deleted XXXX XXXX XXXX Transunion ) Acc # XXXX was deleted from XXXX and Equifax I reported this to Transunion, and nothing has been done/deleted

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 2025-02-21 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: PA

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX Balance : {$3100.00}

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 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.LVNV FUNDING LLC XXXX

Company response to consumer: Closed with explanation