vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries that appeared on my credit report from XXXX, XXXX, and XXXX. These inquiries were made without my knowledge or consent, and I have made multiple attempts to dispute these fraudulent inquiries directly with the credit bureaus, but the issue remains unresolved. 
I am a victim of identity theft, and I filed an FTC Identity Theft Report to support my claims. Despite this, my disputes have been ignored or inadequately handled, and these unauthorized inquiries remain on my credit report. Below are the details of the fraudulent inquiries that I am disputing : Unauthorized Inquiries : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX BMO Bank NA XXXXXX/XX/year> XXXX XX/XX/year> ( Note : XXXX has already confirmed they will remove the inquiry, but it remains on my report. ) I have sent letters to each of the credit bureaus, requesting the immediate removal of these inquiries, and I have escalated this matter to the FTC and CFPB. However, despite my repeated requests and the confirmation from XXXX that they would remove the inquiry, XXXX, XXXX, and XXXX have failed to resolve the issue or respond appropriately. 
Complaint Details : I have been a victim of identity theft and have provided supporting documentation, including an FTC Identity Theft Report. 
I requested the removal of these fraudulent inquiries via written disputes to the credit bureaus, but they have not been addressed or removed from my report. 
I am being harmed by these fraudulent inquiries as they negatively affect my credit score and my ability to secure credit. 
XXXX has confirmed in writing that they would remove their inquiry, but it has not been removed from my report. 
I am demanding the immediate removal of these inquiries and appropriate action to address the failure of the credit bureaus to comply with the Fair Credit Reporting Act ( FCRA ). 

Additional Information : Supporting Documentation : Attach copies of your FTC Identity Theft Report, the dispute letters you sent to the credit bureaus, and XXXXXXXX XXXX letter confirming the removal of their inquiry.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I used these codes as incorrect information on my credit report and they updating incorrect information on my credit. As if It is current but all information is inaccurate. 

15 U.S. CODE S 1692C 15 U.S. CODE S 1692g 15 U.S. CODE S 1681 e ( b ) 15 U.S. CODE S 1635 15 U.S. CODE S 1692g

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 2025-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My account was closed AFTER I submitted for SCRA benefits. I wasnt called, sent an email, messaged through the website/application or received any type of official correspondences regarding why my account was abruptly closed. I have always paid these accounts on time. I am not aware of when my accounts were closed but when I attempted to make a payment on XX/XX/year>, I noticed the account was closed. The company reopened a previously paid off and closed account. However, the request was regarding a different account, ending in XXXX. I am thankful for the reopening of a previous account. However, it was the wrong account I am submitting my request on.

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have on multiple occasions contacted this company in regards to the alleged debt they are negatively reporting on my consumer credit report. I have advised I am not liable for this alleged debt and have been the victim of identity theft. This information has also been communicated with the consumer credit reporting agencies who report what this company have provided. I have asked that this account be verified by providing the forward flow agreement in addition to original contract yielding my wet signature. Neither this company or the consumer credit reporting agencies have been able to properly validate this alleged debt as belonging to me nor been able to describe the procedures used in the investigations they claim have been done. This along with the recent lawsuit filed by the CFPB against the consumer reporting agencies further support my claim in unlawful and incorrect reporting on my consumer credit report that has and continues to negatively impact my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CA

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 to adequately notify consumers of dispute outcomes. These failures align with my experiences, 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 all negative accounts that have been disputed and continue to be disputed 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
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OK

Complaint narrative:
Several of my cash apps in the past has gotten hacked from scameres never was able to get the problem fixed lost access to my account an would end up having to do a new email an everything just to be able to use cash app again now I've got a new cash app and I can't order a new card or anything cause they keep telling me I violated there terms an conditions can yall plz help me out my last cash app that was hacked it's with my old email XXXX an I've had money sent to my old cash app XXXX XXXXXXXX my family an friends have sent money to that account and I don't have a way of ever getting that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: DISCOVER BANK
State: NC

Complaint narrative:
The reason why Im writing is when I called Discover on XX/XX/XXXX regarding my XXXX XXXX credit card payment of {$280.00} Discover agent told me I had nothing to worry about that the payment went through. The original reason for my call is regarding the {$30.00} XXXX that was reversed that I XXXX myself. I still dont have the {$30.00} XXXX back in my XXXX XXXX account it never came back. When agent told me that the {$280.00} went through I decided to get something to eat at the XXXX XXXX for {$16.00} I was assuming since the {$280.00} went through I was using the {$16.00} out of my {$200.00} line of credit that Discover Debt allows you to use. The {$280.00} did not go through so when this happened I called XXXX credit card and the agent told me there I needed to make a payment and I ask him several times was the {$280.00} going to retry he said no so I made a payment of {$280.00}. The {$280.00} did retry. Then I disputed the {$280.00} I didnt have enough money in my Discover account so it rejected then the {$280.00} retry when I got paid. I disputed and did a stop payment check on the {$280.00} and I still dont have the {$280.00} provisional credit I have two scheduled bills coming out. Im not understanding why wasnt the {$280.00} put back immediately because this is an urgent matter. None of this is my fault it started with the {$30.00} XXXX that I XXXX myself that was reversed for some odd reason and then I brought something to eat for {$16.00} assuming it was coming out of my {$200.00} line of credit because your agent told me the {$280.00} did go through but it didnt. Its a huge mess that keeps continuing because if I dont have the {$280.00} back in my account asap then its going to result in more fees from the two bills that are processing to come out. I already received two fees from XXXX credit card. This is so stressful from the XXXX not going through and getting wrong information from Discover agent and XXXX XXXX agent. I just need the {$280.00} back in my account please. Thank you for your time. Have a wonderful day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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:
Dear CFPB XXXX XXXX TransUnion I am writing to formally process this FCRA 605B 3 DAY Deletion of fraudulent accounts with XXXX, XXXX, TransUnion with the CFPB as my witness. For the past two years, I have worked tirelessly as a victim of identity theft and fraud, providing our nations main credit reporting agencieswith FTC reports, a police report, proper identification, and verified information. Despite my efforts, I continue to face challenges, and I have enclosed my FTC report, police report, identification, and letter email that was sent to me in response to filing a fraudulent victim claim.

I wish to give the CFPB an opportunity to observe how they addresses my concerns. In XX/XX/2025, I filed a lawsuit against XXXX, XXXX, TransUnion ( you think they would have noted my credit bureau about the lawsuit, BUT THEY Didnt put any notes on my credit report ( because they just intend to do it anyway that they make money even if victims suffer ) which was settled for an undisclosed amount. However, I still have three negative lines appearing on my credit report that need to be deleted immediately. The impact of XXXX 's lack of compliance has resulted in significant financial distress for my family and me. The inability to access credit or loans during critical times has created prolonged frustration and hardship. 

It is crucial for the CFPB to gather as much evidence as possible against XXXX to support the resolution of your upcoming lawsuit sincerely hope that you will take the necessary steps to ensure XXXX is held accountable and compelled to appear before a jury trial. While they may be willing to settle lawsuits, they seem less inclined to rectify the situation by deleting erroneous items from my credit report within the required timeframe. I guarantee if XXXX had to stand before the judge in trial and the question or to be asked would XXXX lose a substantial amount of money if they were in compliance with every fraudulent claim the answer would be yes.

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 2025-01-26 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:
Dear CFPB XXXX Equifax XXXX I am writing to formally process this FCRA 605B 3 DAY Deletion of fraudulent accounts with XXXX, Equifax, XXXX with the CFPB as my witness. For the past two years, I have worked tirelessly as a victim of identity theft and fraud, providing our nations main credit reporting agencieswith FTC reports, a police report, proper identification, and verified information. Despite my efforts, I continue to face challenges, and I have enclosed my FTC report, police report, identification, and letter email that was sent to me in response to filing a fraudulent victim claim. 

I wish to give the CFPB an opportunity to observe how they addresses my concerns. In XX/XX/year>, I filed a lawsuit against XXXX, Equifax, XXXX ( you think they would have noted my credit bureau about the lawsuit, BUT THEY Didnt put any notes on my credit report ( because they just intend to do it anyway that they make money even if victims suffer ) which was settled for an undisclosed amount. However, I still have three negative lines appearing on my credit report that need to be deleted immediately. The impact of XXXX 's lack of compliance has resulted in significant financial distress for my family and me. The inability to access credit or loans during critical times has created prolonged frustration and hardship. 

It is crucial for the CFPB to gather as much evidence as possible against XXXX to support the resolution of your upcoming lawsuit sincerely hope that you will take the necessary steps to ensure XXXX is held accountable and compelled to appear before a jury trial. While they may be willing to settle lawsuits, they seem less inclined to rectify the situation by deleting erroneous items from my credit report within the required timeframe. I guarantee if XXXX had to stand before the judge in trial and the question or to be asked would XXXX lose a substantial amount of money if they were in compliance with every fraudulent claim the answer would be yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After reviewing my credit report on XXXX I Identified a discrepancy with account listed under XXXX XXXX ( XXXX ) and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XXXXand the account continue to reflect on my credit report I have not received any correspondence from creditor to validate this as correctly belonging to me. Nor has my credit report been updated to reflect that the account is disputed and there for a second validation letter was sent out on this day. after reviewing my credit again there have been no updates, and the account is still reflecting. I do not believe the account belongs to me. nor do I believe that the creditor has authorization to access the account. nor authorization to attempt to collect on the account from all three credit bureaus. I was trying to buy a house I realized I have damages on my report according to the 15 U.S.C 1681 Law, there should not be any damages on my report. Its a defamation to my character.

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 2025-01-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
I recently noticed that Discover Financial Services performed a credit check ( hard inquiry ) on XX/XX/year>, and XX/XX/year>, without my permission. These two hard inquiries are reflected in my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MI

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 2025-01-26 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 filed a dispute on XXXX, XXXX XXXX XXXX XXXX due to problem with the companies XXXXXXXX XXXX XXXX investigating into my existing problem and denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX XXXX XXXX  ( XXXX ) They alleged the company of accepting unreliable information, failure to notify consumer dispute results. After disputing multiple times I got a remark that brought my XXXX XXXX XXXX XXXX XXXX  and the remark stated Account closed at credit grantor 's request and still haven't see improvement. i work extremely hard for it to be tampered with. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. XXXX violates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/year> Jefferson Capital XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Jefferson Capital ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I had a us bank account a few years ago. I am XXXX and need to locate any statements between XXXX XXXX XXXX. I tried calling in but it wasnt much help. I had a few accounts. One personal and one was under my business name, XXXX XXXX XXXX 

I need these statements to help support some medical expenses at the time. Thanks.

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 2025-01-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony bank is an online banking platform where you can open and make changes to your account online. They make it notoriously difficult to close a cd by requiring you to call within a 45 day window of cd maturing ( or 10 day grace period after cd matures ) in order to close the cd or it auto renews. You can not provide instructions in advance, even if the initial cd terms is 1 year or longer. 
25 days after my cd matured and auto-renewed I called to close the cd ( not even a month interest has been accrued on this auto-renewal ). The representatives indicated that it is no longer to possible to close the cd without an approximately 5 month interest penalty, which equates to thousands of dollars. Because CDs are automatically renewed, Synchrony should either allow instructions to be provided at any time during the time which the cd is open, or provide a longer grace period after maturity. 
Synchrony makes it purposely difficult to close a cd by defaulting customer to auto renewal, disallowing a reasonable time period to provide advanced instructions, keeping short grace period all so they can automatically switch customers to a renewed cd and charge exorbitant fees if the window is missed.

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