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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year>XXXX  ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently review my credit report, and I noted a fraudulent account, please delete this account due to this will be affect my credit score and the ability to obtain more credit.

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 2025-02-23 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: NV

Complaint narrative:
Upon reviewing my credit reports, I discovered that multiple accounts are being reported with inaccurate late payments on different accounts and dates. As per the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are legally obligated to report accurate and complete information. These discrepancies are in clear violation of that law. I have always made timely payments and have never missed a payment on my Kansas Department For account : XXXX. 
Additionally, under the Metro 2 format, which establishes the standard for reporting data, this erroneous reporting is inconsistent with the guidelines for accurate credit reporting. I hereby demand that you immediately investigate these discrepancies and provide documentation, such as statements, to substantiate the alleged late payments. If no proof is provided, I am requesting that this account be removed from my credit report entirely, as it does not accurately reflect my payment history. 
Failure to comply with this request within the required time frame will result in my seeking further legal action to enforce my rights under consumer protection laws. I expect swift action to correct this matter.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 ( CFPA0. 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 2025-02-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 consumer 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 non-monetary relief
Consumer complaint received 2025-02-23 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have only been a BOA customer for about 3 months. From the start up until now it has been a complete headache. I am completely dissatisfied with the companies response to my issues. Unknown payments have went through my account when I called BOA they suggested I place a stop payment and I agreed 2 weeks later this same company still managed to take another unauthorized payment out of my account when I informed BOA i was told they submitted for a different amount is the reason it was able to go through However this did not make sense to me because if the company is the same company that should be enough for the stop payment to take precedence and again there was no resolution to this problem. I also have experienced when locking your debit card even though its locked transactions with the debit card can still be processed when I notified BOA all I got was an apology again no resolution. I have been inconvenienced with monies taken out of my account with out my authorization and it has caused me to fall behind on other bills. BOA does not have a system in place where it can properly service customer issues and create a resolution .I would never recommend this bank to anyone and if I have to i will seek legal counsel

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 2025-02-23 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: DISCOVER BANK
State: FL

Complaint narrative:
After receiving notice of an account being opened under my name without my knowledge. I then called the fraud department associate with DISCOVER regarding this matter ( see attached documents provided ). Due, previous fraudulent money movements in the past account with DISCOVER. I am not interested, and lost TRUST in all services. Due to personal information being fraudulent leak out and used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a personal collection account opened at XXXX XXXX XXXX  on XX/XX/year>, under the account number ( XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year>, under the account number ( XXXX ). This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-23 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consists of a personal collection account opened at XXXX XXXX XXXX  on XX/XX/year>, under the account number ( XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/year>, under the account number ( XXXX ). This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of birth XX/XX/XXXXXXXX  contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, XXXX AND XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX balance {$410.00} This account has resulted in several fraudulent late payments and charge off and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am a little confused. Between my wife and I we had two or originally three accounts with this bank for the retail store XXXX XXXX. 
Last year, we had asked them to work with us on letting us pay off a portion of the balance to avoid getting hit with deferred interest. They offered us an agreement on my particular card that we met successfully and they removed the interest as promised. 
We paid off the card. We were going through some mail and my wife found a letter dated XX/XX/year>, in reference to my card, my account. In it, it stated that after a review of my account, the bank has decided to close my account The reason listed in their decision was as below : Activity on account with Synchony Bank was indicative of high risk or failure to pay. 

What? I don't understand. I fulfilled the payment on their offer or agreement and then paid off the card successfully Why would they still close the account? I am confused and I am protesting this. I resent being labeled as high risk or failure to pay. That is not true and not what had occured.. I sincerely hope there is nothing negative on my credit report for this acccount.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Details : Company Name : Experian Issue : Failure to verify disputed accounts, failure to provide verification documents, reporting incorrect addresses, potential FCRA violations Date of Incident : XX/XX/XXXX ( when they closed the last complaint ) Complaint Statement : I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and verify disputed accounts and incorrect addresses on my credit report. 
On XX/XX/XXXX, and XX/XX/XXXX, I disputed multiple incorrect addresses, unauthorized collections, and charged-off accounts. Experian responded on XX/XX/XXXX, and XX/XX/XXXX, stating that the disputed items were verified as accurate, yet they failed to provide any legal proof as required under federal law. 
Experians Clear FCRA Violations : Failure to Provide Verification Documents FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) requires that if an account is verified, the consumer has the right to know : Who was contacted for verification.

What documents were reviewed. 
Experian failed to provide any documentation, meaning the verification process is illegal and invalid. 
Failure to Remove Unverifiable Information FCRA 1681i ( a ) ( 5 ) ( A ) requires credit bureaus to delete any information that can not be verified.

Since Experian has not provided proof of verification, they are required by law to remove these accounts and addresses. 
Failure to Correct or Remove Incorrect Addresses I disputed multiple addresses that do not belong to me, yet Experian failed to remove them, violating FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Failure to Provide Data on XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX These companies are reporting collection accounts against me, yet Experian failed to provide : Proof that I owe these debts Original creditor documentation FCRA 1681s-2 ( a ) ( 1 ) states that only accurate and verifiable debts can be reported. 

What I Want the CFPB to Do : I request that the CFPB : Force Experian to provide the legally required verification documents or immediately delete the disputed accounts and incorrect addresses. 
Investigate Experians dispute-handling process for clear FCRA violations. 
Impose financial penalties on Experian for noncompliance with federal law. 
Experian is violating federal consumer protection laws, and I demand the CFPB take immediate action to protect my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
am writing to formally dispute any credit inquiries appearing on my credit report that may have resulted from the recent data breach at XXXX XXXX XXXXXXXX I request that you immediately investigate and remove any unauthorized inquiries from my credit history. '' Most inquiries are same company 2-4 times. 

I also have incorrect spelling of my name. Many times

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