vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My experian account had alot of unknown information. I paid for my experian account during the pandemic so I was able to get insights that I unfortunately lost. I belive my account was hacked and it led to experian shutting down it's credit score services. 

The city fabricated a variety of documents throughout the years. 

My experian account had identity theft victim insurance I belive it had a master license agreement. I do not have step brothers and I did not pass away in 2018 The android devices people are selling has a big factor involved with these data breaches ( long beach )

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and noticed an inquiry that do not belong to me. 

XXXX XXXX - 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 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Its been one year since I have had my loan with bridgecrest. The loan is unbelieve a huge rip off. the interest rate is 24 %. My loan balance continue to increase instead of decrease no matter how many payments i pay. I have a 2017 honda accord. why is my balance still 25,000.The deal is illegal. I have tried trading in this car but every finance manager tells me how this deal is illegal. bridgecrest wont do anything but keep increasing my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
I am writing regarding my account referenced above. According to my credit report, the original account is marked as paid and the debt has been purchased by a collection agency. However, I have not received a 1099-C ( Cancellation of Debt ) form for this debt. 

As the debt was either forgiven or written off, I request that you provide me with a 1099-C form for the relevant tax year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NDS, LLC.
State: CA

Complaint narrative:
Estate of XXXX XXXX Creditors Claim Case # XXXX ( XXXX XXXX - Collection Representative ) We are filing a complaint regarding the deceptive and erroneous practices employed by your attorney and collection agent in attempting to collect a debt for our deceased relative, XXXX XXXX. XXXX XXXX 's sister XXXX XXXX had agreed to pay the lower amount due after her sister 's death, as she had been handling all creditor payments. We have proof XXXX XXXX and XXXX XXXX discussed the agreement of payment coming from her. XXXX XXXX is also responsible for deceptive service of documents. We request an immediate desist and refrain order against your predatory attorneys towards us and our family 's property. Predatory practices include turning a {$6100.00} claim into a {$51000.00} judgment against both XXXX XXXX and XXXX XXXX XXXX, with a {$12.00} daily per diem

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} Fraudulent Mobile Phone Account Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00} XXXX XXXX  {$88.00}

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding a charge on my credit report dated XX/XX/XXXX, for {$1900.00}, attributed to XXXX. I have serious concerns about this account, as I have no knowledge of it. 

After contacting XXXX for clarification, I was unable to obtain any information beyond my Social Security number, as I had no documentation related to the account. Furthermore, I spoke with the debt collector, who informed me that this account has been open since XXXX. At that time, I was only XXXX XXXX XXXX, raising significant legal issues about my ability to enter into a contract with XXXX. 

According to **15 U.S. Code 1681c2**, if a consumer does not recognize a debt and can not be validated, the information must be deleted from the credit report within four business days. Given my lack of knowledge regarding this account, I request that it be removed promptly. 

I urge your office to investigate this matter and take the necessary steps to ensure that this inaccurate information is deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am finally a complaint against cash app block, ink. Due to any adequate customer service and unfair practices, which violate the consumer financial protection act cfpa. Specifically, cash at failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Farthermore, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fun insurance. 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 2025-01-28 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: HI

Complaint narrative:
I am filing a complaint against Equifax for failing 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 providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I got a letter from Capital One Credit Card stating my application was denied. I never applied for a a Capital One Credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my verdict report. Despite my submissions, Equifax consistently responds 24 hours stating the account is accurate, without proving any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes,. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-002 ) against them for similar violations to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: LEXISNEXIS
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> To Whom It May Concern, I am filing this complaint against XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices in handling my disputes. Despite submitting all required documentation to validate my identity theft claims, XXXX has failed to block fraudulent accounts, reinserted previously removed accounts, and refused to correct personal information, causing me significant harm. 
Specific Issues : 1. Failure to Block Fraudulent Accounts : * XXXX has refused to block fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX receiving an FTC Identity Theft Report, police report, and proof of identity. 
2. Re-insertion of Previously Deleted Accounts : * Accounts like XXXX XXXX XXXX were removed but later re-added without proper certification or notice, violating FCRA 611 ( a ) ( 5 ) ( B ). 
3. Failure to Correct Personal Information : * Outdated phone numbers and addresses remain on my report, despite multiple requests for correction. 
4. Deceptive Verification Practices : * XXXX continues to claim accounts are verified without providing documentation, violating FCRA 609 ( a ) ( 1 ) ( A ).

Impact : * Financial Harm : Denied credit opportunities and financial loss due to inaccurate reporting.

* Emotional Distress : Prolonged stress caused by the mishandling of my disputes.

Requested Resolution : 1. Immediate and Permanent Removal : * Block fraudulent accounts, inquiries, and outdated personal information.

2. Compliance with FCRA : * Prevent the re-insertion of removed accounts without proper certification.

3. Monetary Compensation : * I am requesting {$XXXX} for financial harm, reputational damage, and emotional distress caused by TransUnions non-compliance and deceptive practices. 
Supporting Documentation : * FTC Identity Theft Report * Police Report * Proof of Identity * Correspondence with XXXX * Highlighted Credit Reports Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX/COMENTY/XXXX  IS SHOWNING THAT I HAVE BALANCE THAT IS NOT TRUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I want all money to be returned/ refunded thats due

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
I am writing to formally file a complaint against Experian Information Solutions , Inc. for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 604 ( 15 U.S.C. 1681b ) and other relevant provisions related to the mishandling of consumer credit data.

Upon reviewing my credit report, I discovered that Experian Information Solutions , Inc. accessed and/or sold my personal credit information without my consent or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has negatively impacted my financial privacy and may have exposed me to potential risks such as identity theft, unsolicited financial offers, or other unauthorized uses of my personal data. 

FCRA Violations Experienced : 1. Unauthorized Sale/Access of My Credit Information Under FCRA Section 604 , consumer reporting agencies are prohibited from selling or sharing credit information without a permissible purpose ( e.g., employment screening, credit applications, insurance underwriting ). I have discovered unauthorized inquiries and/or data sharing related to my credit file, which I did not authorize.

2. Failure to Conduct Proper Investigations ( FCRA Section 611 15 U.S.C. 1681i ) I disputed inaccurate information with Experian, but instead of conducting a reasonable investigation, the company failed to provide proper documentation or remove the incorrect data, violating my rights under FCRA Section 611.

According to FCRA Section 604, con
sumer reporting agencies and third parties may only access or sell consumer reports for specific permissible purposes, such as : Employment screening Credit applications Insurance underwriting Account review by a current creditor I did not authorize or initiate any transaction that would justify this inquiry or data sale. Therefore, I am requesting the CFPB to investigate this matter and take appropriate action for violating my rights under the FCRA.

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 2025-01-28 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: GA

Complaint narrative:
I am writing to formally file a complaint against Experian Information Solutions , Inc. for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 604 ( 15 U.S.C. 1681b ) and other relevant provisions related to the mishandling of consumer credit data.

Upon reviewing my credit report, I discovered that Experian Information Solutions , Inc. accessed and/or sold my personal credit information without my consent or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has negatively impacted my financial privacy and may have exposed me to potential risks such as identity theft, unsolicited financial offers, or other unauthorized uses of my personal data.

FCRA Violations Experienced : 1. Unauthorized Sale/Access of My Credit Information Under FCRA Section 604 , consumer reporting agencies are prohibited from selling or sharing credit information without a permissible purpose ( e.g., employment screening, credit applications, insurance underwriting ). I have discovered un
authorized inquiries and/or data sharing related to my credit file, which I did not authorize.

2. Failure to Conduct Proper Investigations ( FCRA Section 611 15 U.S.C. 1681i ) I disputed inaccurate information with Experian, but instead of conducting a reasonable investigation, the company failed to provide proper documentation or re
move the incorrect data, violating my rights under FCRA Section 611.

According to FCRA Section 604, consumer reporting agencies and third parties may only access or sell consumer reports for specific permissible purposes, such as : Employment screening Credit applications Insurance underwriting Account review by a current creditor I did not authorize or initiate any transaction that would justify this inquiry or data sale. Therefore, I am requesting the CFPB to investigate this matter and take appropriate action for violating my rights under the FCRA.

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 2025-01-28 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 armed the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. The following accounts are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Dear Better Business Bureau, I am writing to file a complaint regarding the bank called Current and their handling of a fraudulent credit account opened in my name. Despite having a credit freeze on all my accounts, someone was able to open a credit account through Current without my consent or authorization.

When I contacted Current to notify them of the fraud and requested the account be closed, I was met with several issues : 1.Excessive Requests for Personal Information : Current demanded that I provide additional personal information to investigate the matter, which I am hesitant to share given my caution about protecting my data, especially after this breach.

2.Inability to Locate the Fraudulent Account : I provided the credit card number that I received in the mail, but Current claimed they could not locate the account with that information.

3.Lack of Resolution : I was informed that if I could not provide the additional personal information they requested, there was nothing they could do to resolve the situation. 

I find this unacceptable. It is deeply concerning that Current allowed an account to be opened in my name despite a credit freeze and is now unable or unwilling to address the issue. Their failure to act only compounds the stress of dealing with identity theft. 

I am requesting that Current be held accountable for their failure to safeguard consumer information and their poor handling of fraud resolution. I also urge them to take immediate steps to investigate and close the fraudulent account without requiring additional personal data from me. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

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 48 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation