vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: ID

Complaint narrative:
The medical bill for XXXX XXXX XXXX. 

I never recieved any bills for the hospital I was on XXXX then I assumed it was taken care of. But then I got the collection letter, so I went to the hospital and in there system it shows no bill was generated in the notes so I never got a bill at all. 

How was i supposed to pay this if I never knew I owed anything.

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 2025-02-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: LA

Complaint narrative:
ace checking bank given me a loan in XX/XX/year> i paid XXXX before XXXX first loan in a long time.Ace here in XXXX XXXX on XXXX and XXXX XXXX understand they pull my credit and approved me for the first loan of XXXX so aftert i paid it early before due date. i tried to see if i could re due a loan for emergency soon after but she said i was denied then said their system not operating properly and told me to go to the other locaction on XXXX XXXX XXXX XXXX i did, they too also denied me.nut when they gave my creidt score report paper one says XXXX numbers and the other ame .I couodnt understand whats wrong, so i retried it for a loan at same plcae ace checking and loan on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and she denied it again and gave me a form of credit score of XXXXits not good

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Expwrian is reporting incorrect information on my credit report. It is currently showing that my XXXX XXXX credit card was 30 days late in XXXX when in fact the account was paid and closed on XX/XX/XXXX. It is showing closed in XXXX and it is inaccurate. It was reported correctly in XXXX then they changed it

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 2025-02-13 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: FL

Complaint narrative:
Kindly ensure the unauthorized accounts on my credit report are blocked and removed without delay. I did not open or authorize these accounts and am unaware of their origins. Under USC 1681g, I formally request their removal within 15 days. Relevant documents have been included for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: CO

Complaint narrative:
I believe this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Lack of Proper Validation I requested debt validation under 15 U.S. Code 1692g, but the collection agency failed to provide proper documentation proving the debts validity.

Incorrect or Incomplete Reporting The information provided is inaccurate, outdated, or unverifiable under FCRA 1681i, requiring its deletion from my report.

Did not get my permission- Under 605B I did not give them my permission and it is illegal for them to use my information

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 2025-02-13 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX credit card applications were made in my name with my SSN. 
One at Capital One on XX/XX/year> Another at XXXX  XXXX XXXX on XX/XX/year> I called both companies and they confirmed this and the accounts were denied I was told by XXXX that if I report this to the CFPB, then you would provide me with documentation of this credit fraud attempt which I need to send to them to get 7 years of fraud alerts from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$100.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$17000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$2200.00} Other Identity Theft Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$250.00} Fraudulent Online Shopping or Payment Account Company or Organization : XXXX XXXX  Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$150.00}

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 2025-02-13 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : 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 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I logged into my Cash App account intending to purchase stocks for the first time. Although I have used Cash App for several years, this was the XXXX time I was required to verify my identity. During the verification process, I inadvertently entered an incorrect Social Security number due to a typo. 

Upon realizing the error while reviewing my information, I contacted Cash App customer service to request a correction. I was informed that it is impossible to update or correct this sensitive data once it has been entered. The only solution offered was to create an entirely new account, which would require me to abandon my current account and username, despite years of history and transactions tied to it. Additionally, Cash App stated that they are unable to delete or modify the incorrect information stored in my account. 

This response raises significant concerns regarding data practices and potential violations of data protection regulations, including but not limited to : - Inaccurate Data Correction : Denying users the ability to correct their own personal data may violate the principle of data accuracy under laws such as the California Consumer Privacy Act ( CCPA ) and the Delaware Online Privacy and Protection Act. 
- Data Retention Practices : Stating that they can not delete sensitive information contradicts the right to erasure outlined in privacy standards like the General Data Protection Regulation ( GDPR ). Although the XXXX applies mainly to the XXXX, it is an important reference for global data protection practices. 
- Accessibility and Usability : This rigid process could be seen as an accessibility issue, particularly for individuals with XXXX or motor control challenges, as there is no safeguard or verification step to confirm sensitive data entries before they are finalized. 

I respectfully request your assistance in investigating this matter and ensuring that companies like Cash App provide reasonable solutions for correcting sensitive information and improving their data management practices to align with consumer rights and data protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry on my credit report that AMEX is reporting. This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

I have submitted multiple disputes to no avail and no status updates. The Account was reported XXXX days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence. 

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement. 

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified. 

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks. 
If the information can not be fully verified, I request that all XXXX late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -Rajiv

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: IL

Complaint narrative:
Fraudulent collections account stopping me from getting a house for my family.

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 2025-02-13 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: TX

Complaint narrative:
Charged Off : XXXX XXXX XXXX MECHANICS BANK AUTO FI XX/XX/XXXX MACYS/CBNA XX/XX/XXXX CITI CARDS/CITIBANK XX/XX/XXXX MECHANICS BANK XXXX XXXX XX/XX/XXXX OPORTUN/PROGRESO FINANCI XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TD BANK XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have worked hard to fix my credit and it took years to repair it. Ive paid all of my debts in full but some of the debts on all XXXX are not updated nor it is removed. It should all be clear from any debts. Ive requested to update and removed but was informed it has to stay. I also submitted paper work or receipts of payment in full. Some remained on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Predatory practices Deceptive charging 249 % interest Never got any calls letter until XXXX  years later And has gotten a XXXX  XXXX  attorney that want me to pay for attorney and court cost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: LA

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 2025-02-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>2025 I was notified of an inquiry made by WFBNA Auto that I did not authorize.

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 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: KY

Complaint narrative:
I had XXXX lines through XXXX XXXX XXXX XXXX and XXXX XXXX. I switched to XXXX XXXX XXXX lines because I never needed a XXXX line, it was just the promo from XXXX XXXX XXXX. I called XXXX XXXX XXXX  to disconnect my internet and wireless. They disconnected my internet and told me they would disconnect the wireless. Spectrum ported my numbers but I noticed XXXX XXXX XXXX  was still billing me. I reached out to XXXX to disconnect the XXXX line that was never activated, i.e. I couldn't port the number. I opened a credit request with them because the said XXXX XXXX XXXX wont refund but will credit my account. I told them I have no use for a credit on a closed account, they said it would take XXXX - XXXX weeks. Prior to the charge I reached out to my Discover card support to dispute the charge. They said I had to let it post first. Then I called and they said it was a recurring charge that I can't dispute for XXXX  amount of days. I waited and filled out a dispute with Discover. They said XXXX XXXX XXXX would have to provide documentation to prove I owed them the money. That's impossible because I don't owe them so I wait for the resolution. Discover sides with XXXX XXXX XXXX now I'm out money for a line I never ever utilized for an extra month. Meanwhile I'm paying for XXXX. I've spent hours and hours in chats, phone calls, and emails. Nobody at Discover will help me stop this fraud and poor business practices by a known to be XXXX XXXX XXXX XXXX known as XXXX XXXX XXXX. XXXX XXXX XXXX did the same thing to me a decade ago. Charged XXXX  months for a service I couldn't use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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