vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase calls me way too much. Like 8 or 9 times a day from XXXXXXXX XXXX XXXX XXXX XXXX. They'll use different numbers to bypass phone ID 's too. I've had some medical issues the last XXXX XXXX XXXX XXXX XXXX and these people just won't stop calling at all. Can I sue them for harassment?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
I started getting phone calls from this credit card company for a credit card, I have not applied for any credit card. I then received bills in the mail showing I owe. I sent a letter to the company in which they sent me a fraud letter that I need to fill out and get notorized

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 2025-02-22 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: TX

Complaint narrative:
I started getting phone calls from this credit card company for a credit card, I have not applied for any credit card. I then received bills in the mail showing I owe. I sent a letter to the company in which they sent me a fraud letter that I need to fill out and get notorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
I started getting phone calls from this credit card company for a credit card, I have not applied for any credit card. I then received bills in the mail showing I owe. I sent a letter to the company in which they sent me a fraud letter that I need to fill out and get notorized

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Capital One Bank for Account Mismanagement Dear CFPB, On XX/XX/year>, I discovered that four of my five Capital One Bank credit card accounts had been closed when I attempted to make payments online. I immediately contacted Capital Ones fraud department, where I was informed that they had received correspondence from the credit reporting agencies stating that my credit card applications were fraudulent. 

I was shocked and stated that I had never made such a claim. I have had these accounts for years, and they have always been on automatic payments. On XX/XX/year>, I was instructed to submit a notarized letter confirming that these accounts were my responsibility. I was also required to provide a copy of my drivers license, Social Security card, and utility bill. 

I personally faxed all the requested documents from the Capital One branch at XXXX XXXX XXXX XXXX, TX, and I have confirmation that Capital One received them on XX/XX/year>, at XXXXXXXX XXXX 

On XX/XX/year>, I called Capital Ones fraud department to confirm receipt of the documents. I spoke with a fraud department supervisor, who stated that they had received them and that my case was under investigation. 

On XX/XX/year>, I followed up again and spoke with another fraud department supervisor, who stated that the process could take 115 days. I informed them that XXXX had confirmed my credit report was mishandled and that Capital One should have already received the updated and corrected information electronically. Despite this, I was told I would still have to wait 115 days for resolution. Additionally, I was informed that Capital One can not rely on my statement or documentation alonethey require direct communication or documents from the credit reporting agencies themselves. 

This delay is unacceptable, and despite my efforts, Capital One Bank has failed to resolve this issue in a timely manner. I am formally requesting the CFPB to investigate Capital Ones mishandling of my accounts and require them to reinstate my accounts immediately. 

The affected credit card accounts are as follows : Capital One XXXX XXXXXXXX Capital One Savor XXXX Capital One XXXX XXXX Capital One XXXX XXXX XXXXXXXX Capital One Quicksilver XXXX ( still active as of now ) I appreciate your urgent attention to this matter and request direct communication from Capital One regarding the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
{$3800.00} Midland Credit Management keeps illegally reporting inaccurate fraudulent collection debt to credit bureau XXXX, XXXX and XXXX. I have submitted evidence through police investigations as evidence of credit card fraud and identity theft. The fraudulent debt was originally removed from XXXX and midland credit management bought this fraudulent debt account and has reinserted this debt collection as new open debt. This is illegal and has to be removed IMMEDIATELY. XXXX, XXXX and XXXX are not properly investigating this debt as to is was originally reported as fraudulent from original debtor and by law can not be reassigned just because another company bought the fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
Equifax 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 Equifax, 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 Equifax has neither corrected nor removed disputed items, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
NAME ; XXXX XXXX XXXX ADDRESS ; XXXX XXXX XXXX XXXX ( MI ) XXXX BUREAU CREDIT NAME ; EXPERIAN ADDRESS ; XXXX XXXX XXXX, XXXX, TX XXXX TO ; EXPERIAN I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER ( XXXX - XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries 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 your reference. My credit report contains fraudulent INQUIRIES I that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 


XXXX. Incorrect Date of Birth : My Date of Birth is XX/XX/year>. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-02-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I had a credit card transaction with XXXX XXXX XXXX and paid {$25.00}. The form being notarized wasn't accepted and I had to do it again, meaning I had to pay again. As a result, on XX/XX/year>, I disputed the transaction with Citibank and requested that they issue me a credit due to the fact that the services was not as expected. The bank investigated the dispute and on XX/XX/year>, they sent me a letter in which they denied my dispute of the above mentioned transaction. I believe I'm entitled to the credit because the form I notarized with XXXX XXXX XXXX wasn't accepted by the other company requesting this form. Customers shouldn't pay for something of no value that is not accepted or honored by others.

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 2025-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: OR

Complaint narrative:
I purchased aligners with Smile Direct in XXXX XXXX and financed the balance. I made payments to my account until XXXX XXXX notified me that they were claiming bankruptcy and ceased all customer support ( there was no way to contact them as their phone number no longer worked and emails bounced back ). They employed Healthcare Finance Direct ( HFD ) to collect all payments. HFD continued to pull the monthly payments from my banking account even though Smile Direct was no longer in business or providing the support they promised and that I paid for.

I was contacted by HFD telling me that I had a balance left on my account and that if I did not pay it they would take me to collections, so I paid the full amount on that phone call ( and was promised a letter confirming this through email which I never received ). After that HFD continued to pull funds from my banking account, which my bank and Visa found fraudulent and reversed, blocking HFD from pulling funds from my account moving forward.

I continued to receive letters, bills, texts, and phone calls from HFD until I filed a complaint with the Better Business Bureau. I received a letter of " Paid in Full '' for my account from HFD through this communication and the matter of my account was put to rest, or so I thought.

HFD reached out to me on XXXX XXXX, XXXX informing me that they had reached a settlement with the New York Attorney General and I was entitled to some settlement money. In order to receive this I had send my information to them. I did this and received a portion of the settlement money in my bank account. 

Very soon after they continued pulling payments from my bank account ( which again my bank found fraudulent and reversed ) essentially saying that my original balance of XXXX XXXX was still owed. They are now harassing me with more statements, calls and text trying to collect on an account that is long paid off. 

I am at my wits end and don't know what to do to block them from contacting me any further. If I had known claiming that settlement ( which was only {$82.00} ) would start this back up again I would have blocked them then and there!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
On XXXX XXXX, I contacted CashApp about a pending charge when funds had not been returned to my balance. I asked CashApp through chat why it was not released. They said the hotel placed a temporary hold on my card for {$180.00} on XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX and the payment was still pending. However the pending charge is {$340.00}. 

Another hotel charge is pending for {$320.00}. The receipt from that hotel and the charge does not match. The receipt from the hotel says {$240.00}. There was also a charge XX/XX/year> during the night for {$100.00}. When I asked the hotel, I was told it was for incidentals and would be returned in 3-5 days. It has not been returned. Also the charges are grouped and therefore, I am missing transactions. 

In the chat, I was told that charges drop off in 30 days, and to reach out to the merchant to cancel the pending charge on their end. They did and CashApp still has not returned the funds. I was told the same thing by phone. Then another date by email which was XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
NAME ; XXXX XXXX XXXX ADDRESS ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BUREAU CREDIT NAME ; TRANSUNION CREDIT REPORTING AGENCY ADDRESS ; XXXX XXXX XXXX XXXX, PA XXXX TO ; TRANSUNION CREDIT REPORTING AGENCY I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT ( XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following entries 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 your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All agency both via fax and through Certified mail. 
In addition, I request the immediate removal or the following fraudulent INQUIRIES FROM MY CREDIT REPORT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am writing to formally dispute a unauthorized credit inquiry appearing on my credit report. This inquiry was not authorized by me and has been on my credit report for over XXXX years? therefore lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. I demand that this inquiry be removed from my credit report immediately.

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