vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, Equifax, TransUnion Re : Dispute of Inaccurate Reporting Subject : Request for Deletion Due to FCRA Violations - 15 U.S.C. 1681i Dear Sir/Madam, I am writing to dispute inaccurate and unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am entitled to have any information on my credit report that is inaccurate or incomplete properly investigated, and if necessary, deleted. I am requesting that you investigate the following accounts and remove them from my credit report if they can not be verified as accurate. 

Account XXXX : Fifth Third Bank Account Number : XXXX Reported Name : XXXX A XXXX Reported Address : XXXX XXXX XXXX, XXXX, NC XXXX Charge-Off Amount : {$6900.00} Date of Closure : XX/XX/XXXX Status : Unpaid Discrepancy : The account listed contains incorrect personal information, including an incorrect address ( reported as XXXX XXXXXXXX XXXX, not my known address ). Additionally, this account was closed and charged off without proper investigation, as required under the FCRA. As such, I believe this account is unverifiable, and I request that it be deleted from my credit report. 

Inquiries I also note several inquiries on my credit report that I do not recognize and believe may be unauthorized or made in error, including but not limited to : XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Please review the legitimacy of these inquiries and provide verification of their accuracy.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into disputed information and correct or delete any information that can not be verified. Failure to comply with these requirements is a violation of my rights under the FCRA, and I demand that you either validate or remove these accounts and inquiries from my credit report. 

If these inaccuracies can not be verified within 30 days, I demand the immediate deletion of all associated information in accordance with the law. I also request that you provide me with a written confirmation of your findings upon completion of your investigation. 

Please address this matter promptly and update me on the status of the investigation. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to address a concerning matter regarding my tax refund, which I recently learned has been offset due to a reported debt of {$170000.00} attributed to my Social Security Number. After conducting thorough research, it appears that this amount is associated with income generated under the name Block Inc. during the years XXXX and XXXX. I want to clarify that I neither received this money nor had any knowledge of the related accounts at any point in time. 

I have attempted to reach out to both Block Inc. and Cash App in hopes of getting clarity on this issue. Unfortunately, my efforts have been met with a lack of assistance, as both companies have informed me that without verifying an account I have no knowledge of, they are unable to provide any useful information. I do recall having a Cash App account approximately around XX/XX/XXXX, but I lost access to it when I switched to a new cell phone around XXXX and was unable to recover it subsequently. 

Given this information, I kindly request your assistance in addressing this matter. I am eager to resolve this issue promptly as it is significantly impacting my financial situation. I would appreciate any guidance you can provide on how to proceed and rectify this situation. Thank you for your attention to this urgent matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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 2025-03-25 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: MI

Complaint narrative:
Capital One mailed the card & I was charged delivery charges. They investigated the XXXX  fraudulent payment & charges made to my card in XXXX. They sent a letter stating that I am not liable. I owed them under {$300.00} credit balance & about {$98.00} for the newly charge at XXXXXXXX XXXX XXXXXXXX. I was lead to believe that the new card would replace my breached account & I would continue to make a minimum payment of {$25.00} or more & remain in good standing. Shortly after, when I inquired about paying the entire balance of {$390.00} they informed me that my account will no longer be offering credit services for my use? Presently, they've added enormous late/interest charges to my account with a balance doubled in the amount {$760.00} in which I can not pay. I will not pay their preditory demands & breached agreement. With that said, the requested monthly payment due is now {$240.00} which is an impossibility living on {$1000.00} XXXX. My XXXX XXXX are have been cut by XXXX 's {$110.00} forcing me to spend a minimum of {$250.00} of my XXXX  monthly towards food & water to survive. My XXXX XXXX benefits were cut by more than XXXX making it diifficult to afford necessary medications taken daily to treat my serious health issues. I pay copays for XXXX months towards my prescribed medications. My health has declined recently XXXXXXXX XXXX XXXX XXXX  from XXXX  resulting in XXXX XXXX  XXXX, a XXXX XXXX in my XXXX XXXX XXXX  resulting in XXXXXXXX XXXX XXXX. Due, to a freak accident in a XXXX parking lot, a woman accidentally knocked my XXXXXXXX XXXX XXXX XXXX  down & then fell on me injuring my XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I live in constant pain now in addition to my crippling XXXX. I've had XXXX XXXX XXXX  on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX years so I can ambulate. My XXXX  are XXXX  as well. 

I've worked hard to improve my credit scores after utilizing all my retirement funds to care for my late Mother. I'm a former XXXX XXXX  & former XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. I am unable to work to supplement my income. I have a XXXX XXXX XXXX XXXX XXXX  that I care for & support financially out of pocket. My credit score was near XXXX & has dropped to the upper XXXX 's due to Capital One 's dishonesty regarding liability. I'm recovering from XXXX weeks of the XXXX & now acute XXXX XXXX XXXX ordered to rest, not speak, XXXX  XXXX, XXXX, and XXXX  XXXX  until my XXXX  becomes stronger. 

I'm not liable and shouldn't be victimized a second time by Capital One preditory credit card services harming the elderly and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Humble, Texas XXXX The following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX  Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report Please remove it from my credit report 15 U.S.C 1681 Section 602 A. States any consumer has the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without prior consumer written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-25 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
If you claim that these items are entirely accurate and verifiable, I request that you provide copies of any documentation related to these items that bears my signature, as I believe no such documentation exists. When you are unable to produce a signed agreement with my signature, I expect you to promptly remove these fraudulent items from my file. 

XXXXXXXX XXXX  XXXX **** Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
If you claim that these items are entirely accurate and verifiable, I request that you provide copies of any documentation related to these items that bears my signature, as I believe no such documentation exists. When you are unable to produce a signed agreement with my signature, I expect you to promptly remove these fraudulent items from my file. 

XXXXXXXX XXXX  XXXX **** Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/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 2025-03-25 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute Under 15 U.S. Code 1681o Negligence in Non-Compliance Dear XXXX Dispute Department, I am writing to dispute multiple erroneous accounts listed on my XXXX credit report that do not belong to me. I have previously disputed these inaccuracies, yet you failed to conduct a reasonable investigation, verify the accounts, or remove them as required under the Fair Credit Reporting Act ( FCRA ). Your failure to comply constitutes negligence in non-compliance under 15 U.S.C. 1681o, making you liable for damages.

The following accounts are fraudulent or incorrect and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Include additional accounts as necessary. ) Violations and Legal Liability Under the FCRA, XXXX is required to : 1. Conduct a thorough investigation within 30 days of receiving a dispute. 
2. Verify the accuracy of reported accounts and delete unverifiable or incorrect information.

3. Ensure my credit report is fair and accurate, as reporting incorrect data can cause financial harm.

Since you have failed to meet these legal obligations, I am holding XXXX accountable for negligent non-compliance and financial damages. 

Demand for Resolution I demand the immediate removal of these inaccurate accounts from my credit file. In addition, I request : 1. A detailed explanation of your investigation process.

2. A new copy of my updated credit report reflecting these corrections.

3. Compensation for damages caused by your negligence, including financial losses and emotional distress.

Final Notice Before Legal Action If this matter is not resolved within 30 days of receipt of this letter, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Pursue legal action for damages under 15 U.S.C. 1681o, seeking financial compensation. 

This letter serves as formal notice, and failure to comply will result in legal consequences. I expect a written response at the address provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: DISCOVER BANK
State: PA

Complaint narrative:
I opened a secured card with Discover Bank and a few days later it immediately closed without me even using the card with the money I put on the card. It did refund the money to my card but it still shows up on my credit report and the account wasn't even used even after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I lived in XXXX XXXX XXXX XXXXXXXX for XXXX  years, I started leaving the city for work and school and XXXX time in XX/XX/2023, I came back and my home was broken into. Multiple expensive items were stolen. I reached out to the leasing office and they refused to show me any camera footage and stated that they tried to contact me but didn't and because they didn't get a hold of me, they conducted a wellness check without even notifying my emergency contact if that was the case. I told them that I was not paying them anything until my items was returned. None of items were returned. I even sent in a dispute letter letting them know the situation and they still put the amount on my credit 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Ive been trying to log into my Experian account for the last past XXXX months. It took me XXXX days to get a hold of somebody on the phone. The lady then proceeded to update my information and told me my issue had to be escalated to somebody else and they will call me within XXXX hours. Well its been almost a month and a half. Im still not able to log into my account. nobody have called me back and when I go to login, it tells me my information does not match. Im not sure what to do here. Its so hard to get somebody on the phone. I dont think its even an option anymore. I see why Experian is being sued. This is ridiculous. When I go to get a verification code and the code doesnt send and my number is correct.terrible company.

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 2025-03-25 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation