vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX auto account on credit report past XXXX years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.

Procollect account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from XXXX XXXX of original account

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 2025-02-07 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: SC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit. These accounts I don't recognize them, I didn't authorize them they are being reported by a XXXX party could you please remove them off 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I made an in store purchase at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, for {$4100.00} on a XXXX month financing plan. I was told if I made the total {$5000.00} that I could get a XXXX month 0 % financing plan. On XX/XX/XXXX, I made an additional purchase for {$2100.00} that was put on a XXXX month plan. The store clerk then backed both transactions out on XX/XX/XXXX, and combined them into XXXX purchase for a total of {$6300.00} and a XXXX month 0 % interest plan ( page XXXX ). This was all reflected in my store receipts and the XX/XX/XXXX, XXXX Charge statement. The statement clearly shows the XXXX transactions and XXXX month payment plans are backed out and all recharged under XXXX total for XXXX months financing ( circled in green ). To synopsize, recently I discovered that the XXXX XXXX month plans were still intact ( and expiring NOW ) but not the 24 month plan. XXXX provided all the receipt 's so pass to Comenity bank reflecting the transactions. The supervisor at the bank could see it all lines up and wasn't sure why the new plan wasn't reflected. I looked at my XXXX bank statement ( page XXXX ) and it shows me owing on the XXXX months plans but a credit of {$6300.00} on the XXXX month plan. I appears the bank backed out/ credited the wrong transaction. They said the only way to change is a dispute so I did that and it was rejected as it was more than 90 days past the transaction date. THE STATEMENT SAID XXXX MONTH FINANCING. This current statement, since XXXX plan expired on XX/XX/XXXX Ive now been charged {$690.00} in interest, at a rate of 36 %, off the first plan!! The second plan expires XX/XX/XXXX!! The Comenity bank supervisor said she sees errors in billing all the time when backed out transactions are involved. The bank needs to FIX THIS or their software!! Additionally, I got disconnected I don't know how many times ( at least XXXX ) in the last XXXX days, let alone the during the original inquiries. There overseas trunk lines are insufficient. Please coordinate with XXXX and Comenity. Originally Comenity said XXXX has to put a certain code in to trigger the XXXX  month plan, ,THERE ARE CODES... they are on the in store Arhaus purchase statements and the BANK statement as well!! Additionally I lost my XXXX reward points when the original charges were backed out. PLEASE HELP!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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 can not express how frustrating it is to keep seeing mistakes on my report that are actively lowering my score. These errors are causing real harm, preventing me from securing better financial opportunities, and making it incredibly difficult to move forward.

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 2025-02-07 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 am a victim of identity theft. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 Under the FCRA, you have the right to block fraudulent accounts and inaccurate information resulting from identity theft. Specifically : 15 U.S.C. 1681c-2 ( a ) : Credit reporting agencies must block information resulting from identity theft within four business days after receiving : 1. A police report or identity theft report ( such as an FTC Identity Theft Affidavit ). 
2. Proper identification. 
3. A statement that the information is fraudulent. 
4. Your request to block the fraudulent data THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND I AM REQUESTING TO BLOCK THEM FROM CREIDT PROFILE : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 am a victim of identity theft. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 Under the FCRA, you have the right to block fraudulent accounts and inaccurate information resulting from identity theft. Specifically : 15 U.S.C. 1681c-2 ( a ) : Credit reporting agencies must block information resulting from identity theft within four business days after receiving : 1. A police report or identity theft report ( such as an FTC Identity Theft Affidavit ). 
2. Proper identification. 
3. A statement that the information is fraudulent. 
4. Your request to block the fraudulent data THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND I AM REQUESTING TO BLOCK THEM FROM CREIDT PROFILE : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been working with my wife to try to get a construction loan for our house. I have been debt free for XXXX  years now, while she maintains a small credit card as part of her month to month expenses. We were rejected for any loan product because while she does have good credit, they were unable to generate a credit score for me. 

When we went looking into my credit reports, all three reports show a solid credit history up until I paid off my last debt in XXXX or XXXX, with multiple accounts showing at least some payment history within the past XXXX years, with no negative hits on my history. However, all three credit reporting agencies are saying that they can not generate a credit score for me, and the bank in question, TD Bank, refuses to process a loan application without a credit score, positive credit history not withstanding.

One of the things I noted during the time frame was with my Experian report, which showed the accounts that were used in generating the credit score. It did not show ANY of the closed accounts, which were all part of the credit report, and just stated that there were XXXX closed accounts on my report. When I reached out to Experian to dispute this, they opened a ticket to look into the matter. When I called back to follow up on this, the representative who answered would not give me an answer about the issue of the lack of accounts showing on the score generator, but noted that there was an error message saying that 'because I did not have any credit activity in the last 6 months, they were unable to generate a FICO score for me '. I got similar responses from the other two agencies.

Considering according to FICO 's own website, their scores are only 10 % new credit, and 50 % are the length of the credit history ( over 10 years ) and Payment History ( excellent ), this is stupid. I could understand a 'lower ' score given the lack of recent activity, but no score at all makes no sense. If anything, it is a predatory and discriminatory practice against anyone who gets themselves out of debt. Previously, anything up for the last 7 years would be taken into account - given that, would any 'new ' credit bring back the 'old ' information in the report? No one has been able to answer that. And if not, then why has no one been made aware that the scoring algorithm no longer takes into account actual credit history?

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 2025-02-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
I want to cancel automatic payment because I am going to pay off the loan in a lump sum. 

XXXX XXXX says I must call to cancel autopay. 

I called the provided number. They indicated that I am eligible for a {$100.00} reward. There is no option to skip this as every option to be connected to an operator says I must accept this reward. 

When I was finally connected to an operator, they stated I must provide my personal banking details so they can give me the reward. They dont want my loan details, just my personal banking information so they can give me a reward I let them know I dont want the reward and Im not providing my bank details. I just want to cancel automatic payment. 

The operator got upset at me and demanded I provide personal bank details in order to proceed and receive the reward Again, they werent asking for my loan number to help me cancel the auto pay, they wanted my bank information to give me money. When I declined, the operator hung up on me. 

I then contacted the online chat and told them what happened and they agreed to remove the auto pay. 

This is extremely concerning that there is no option to discontinue automatic payment and that when a person calls they are not allowed to cancel either. 

Something is not right with this process. It very much felt like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquires are 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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash app due to inadequate customer service, unfair practices, and fees thats wasnt addressed! 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 2025-02-07 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: AR

Complaint narrative:
I filed an online dispute with TransUnion regarding the account identified as XXXX XXXX  XXXX XXXX # XXXX, which is listed on my credit report. I assert that this account does not belong to me and provided supporting documentation to substantiate my claim. Despite this, TransUnion marked the account as " verified and accurate, '' which I believe is incorrect. 

Beyond this issue, I have encountered rude and dismissive responses from TransUnion representatives when I sought clarification on the dispute process. I feel that my concerns have been ignored and that my dispute has not been handled with the level of professionalism or urgency that is owed to all consumers, regardless of their background. I also feel as though my experience has been marred by XXXX discrimination, which is an unacceptable and unprofessional practice. 
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accura
te investigation of any dispute related to my credit report. TransUnions failure to properly investigate and remove the account after I provided clear evidence of its inaccuracy constitutes a violation of my rights.

I am requesting the immediate removal of this account from my credit report, as it is causing unwarranted harm to my XXXX XXXX. Furthermore, I request that TransUnion address the unprofessional behavior and XXXX discrimination I experienced, as it severely impacted my experience and trust in the company. I have given TransUnion a XXXX deadline to resolve this issue, and failure to act will result in formal complaints to the CFPB, the XXXX XXXX XXXX XXXX XXXX ), and potential legal action.

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 2025-02-07 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: NJ

Complaint narrative:
The credit reporting

agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 )
Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MI

Complaint narrative:
My divorce was finalized in XXXX- please see uploaded XXXX. My ex-husband was responsible for the mortgage, payments and removing me from the loan. 
Unfortunately, he never removed my name, in from XX/XX/XXXX through XX/XX/XXXX, he stopped making mortgage payments and the XXXX was forced to close and go into collections. 
This is reporting to my credit report now as something I did, when I wasn't even entitle to the house or even had possession. US bank hasn't been helpful through this process as the account is closed and they are saying there is nothing they can do, but I have moved on and am trying to purchase a new home for my family and I can't because of his negligence. 
Please see the attached Judgement of divorce - I had no rights or responsibility to the repayment of this loan and the lates that he caused should not be inhibiting me to move forward when this was signed by a judge into order in 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 2025-02-07 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:
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 XXXX 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. 16811, 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has recently raised concerns about Equifaxs failure to properly investigate consumer disputes. In fact, a lawsuit has been filed alleging that Equifax has violated consumer protection laws by not fulfilling its obligations under the Fair Credit Reporting Act ( FCRA ). 

As per federal regulations ( 15 U.S.C. 1681i ), Equifax is required to conduct a full reinvestigation of disputed items within XXXX  days and remove any information that is inaccurate, incomplete, or unverifiable. Failing to do so is a direct violation of federal law. 

I am disputing the following negative entries on my credit report : XXXX  XXXX - XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - {$XXXX} Even after multiple disputes and my submission of all required documentation, these items remain unverified. This inaction has caused me financial harm and unnecessary stress. 

I have a right under the FCRA to an accurate credit report. Please take the necessary steps to resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with non-monetary relief