vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-04-06 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'm reaching out because I noticed some hard inquiries on my credit report that I didnt authorize. I sent a dispute before on XX/XX/XXXX, but nothing has changed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute anything on my credit report thats not accurate or wasnt authorized. More specifically : -Section 611 says you have to investigate items I dispute.

-Section 609 gives me the right to see everything in my file and the results of your investigation.

-Section 604 says you can only let someone pull my credit if there's a legal reason, and I never gave permission for these inquiries. 

Here are the companies and dates Im talking about : 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 XX/XX/XXXX Please take another look and do the following : -Investigate these inquiries. 
-Remove any that were not done with my permission. 
-Send me an updated credit report. 
-Let me know the results of your investigation within 15 days. 

Ive included a copy of my ID, SSN, my FTC report and my previous letter for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
RE : Formal Dispute of Inaccurate Reporting Ally Financial Account Account Number : XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information reporting on my XXXX credit report regarding the Ally Financial auto loan account listed above. 

Upon reviewing my credit report, I noticed a specific inaccuracy that must be corrected immediately. XXXX is reporting that I have three ( 3 ) late payments for this account specifically for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This reporting is factually inaccurate. 

The account payment summary clearly shows a consistent history of on-time payments from the account opening date of XX/XX/XXXX, through XXXX except for the months mentioned above, which are being inaccurately reported as late. 

I am requesting that XXXX conduct a reasonable investigation into this matter and provide documentation validating these alleged late payments directly from Ally Financial. If no such proof exists, I am requesting the immediate deletion or correction of these inaccurately reported late payments from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate information. This inaccurate reporting is damaging to my credit profile and needs to be resolved promptly. 

Please provide me with the results of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was never notified by PayPal that my account had gone into a negative balance. I accidentally discovered it while logging in, and found a charge of {$13.00} from XX/XX/XXXX that left my account at {$12.00}. At no point did I receive any email, push notification, or alert regarding this balance or the failed payment. 

To make matters worse, my account is now locked. Ive tried repeatedly to resolve the balance, but all top-up attempts have been deniedeven though the amount is small and Ive linked legitimate funding sources. Because of this lock, I am unable to fix the issue. 

I find this completely unacceptable, especially given that PayPal does not offer any way to contact support on XXXX. I was never given a chance to address or even be aware of the problem, and now Im being penalized for their lack of communication. 

I want this resolved immediately. I also want to ensure this will not impact my credit or result in harassment from debt collectors over a situation PayPal never properly disclosed or allowed me to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
- On XX/XX/XXXX, I used AMEX mailed promotion " XXXX '' to upgrade my business gold card to platinum card ( ending XXXX ) - with conditon that if {$10000.00} is spent in 3 months, AMEX will provide XXXX reward points. 
- {$10000.00} was spent by XX/XX/XXXX, however the XXXX points were not provided. 
- Nevertheless AMEX charged {$690.00} platinum card fee on XX/XX/XXXX. 
- Multiple AMEX representatives said I need to wait for 12 weeks till XX/XX/XXXX to get the XXXX bonus points. 
- After that AMEX opened a case in XX/XX/XXXX due to missing points, and they still didn't commit to provide the bonus points after the original 12 weeks ( XXXX  end of XX/XX/XXXX ) regardless of them charging the card fee AND the {$10000.00} in 3 months spend promotion condition being satisfied on timely basis. 
- Given the above continuous delays in providing the bonus points as originally committed and communicated, I have closed the AMEX account on XX/XX/XXXX and request a PRORATED refund of the card fee - which amounts to {$400.00}. 
- Asking for help to get this {$450.00} refund back. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
XX/XX/year>, my payroll bank account was hacked when my wallet was stolen. somehow the person was also able to hack my cash app and my bank account was attached to my cash app. I filed fraud theough my original bank huntington before they kept qith drawing money from XXXX and adding it to my cash app account. I got ahold of cash app cause it put my cash app almost XXXX in the XXXX. and I was having my income tax deposited to my cash app account. I informed them that my stuff was hacked and it wasn't me who put my cash app in the hole. the representative told me it didn't matter I was still reliable to pay the funds even thou I reported it as fraudulent. I don't think it's right they charged me for something that wasn't my fault, I had to repay money that was stolen from me and to me that just isn't right. I would like to figure out how I can get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), requesting that you immediately cease all communication with me regarding any alleged debt.

Pursuant to this statute, once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the debt collector must cease communication except to inform the consumer that collection efforts are being terminated, or to notify the consumer of specific legal remedies that may be pursued.

Please be advised that I dispute the validity of any alleged debt you are attempting to collect. I am formally requesting that you cease all further contact with me by phone, mail, or any other means.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MA

Complaint narrative:
5 yr ago XXXX send my bill to their collection agency. I appeal with all the documentation and wait for the solution but meanwhile they transferred my case to other collections agency without letting me know. When I received letter, I called and paid the amount they offered me to close account. I paid full amount but still they reported to all 3 credit bureau and affected my credit scores. I spoke with all credit bureau and they said now I have to wait 5 yrs to get my credit score back. It has been more than 5 yrs but they have not resolved and updated my credit score. I suffer more than 5 yrs even though I paid full amount to close it. I need help to get my credit score back. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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 writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete these items as soon as possible.

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
After XX/XX/XXXX I received phone calls from XXXX XXXX I requested them a validation and verification debt and I never received it so I told them if they dont provide to me the request they dont have to call me but they still call me with different numbers and Im still receiving letters from them and false advertising trying to get any information about me and its never happened before I feel like harassed from those people they sent to me 3 consecutive letters saying that this case its been on legal department and they going to take action against me. They sent to me another letter on XX/XX/XXXX with another company representing them XXXX, XXXX & XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: VA

Complaint narrative:
FTC IDENTITY THEFT REPORT ATTACHED. 

Please The following INQUIRIES were not authorized and had no permissible purpose or other reason to obtain a copy of my credit report. Each of these hard inquiries is a direct violation of the FCRA and must be immediately deleted. I did not authorize these inquiries. 

Please delete the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide me proof I consented to the above inquiries ( I did not ) via the FCRA Section 609 and 605. You must also prove the accuracy and permissible purpose of the above inquiries under FCRA Section 623. For these reasons, the inquiries must be deleted.

I also note with extreme interest your competitors have been sued by the Consumer Financial Protection Bureau for conducting bogus investigations and failing to comply with the Fair Credit Reporting Act. 

XXXX failed to conduct adequate investigations of disputed information in credit reports

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I only have about {$2900.00} in the bank account. And the company closed it for no reason. They need to explain why they closed the account. Maybe, a hacker or someone who has a duplicate phone number at XXXX XXXX, XXXX XXXX or some other number did something illegal. I have contacted the police about this matter. I would like to reopen the account. I have not done anything to this company. I only pay bills. They need to screen the calls for voices and it proves that I have done nothing. I did nothing and they have closed my account. Several of my relatives have died due to cellular spoofing. I have court cases in regards to missing money.

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 2025-04-06 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: NY

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. 
U.S. DEPARTMENT OF EDUCATION XXXX has violated my rights. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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:
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. 
U.S. DEPARTMENT OF EDUCATION XXXX has violated my rights. 
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

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 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX  XXXX sent me a letter saying it was fraudulent yet this other company said it's mines they put it on my credit report XXXX XXXX yet they said I got it in XXXX XXXX so that means if it was mines it should be off I have the letter they sent me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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 am writing to formally request the removal of an account reported by XXXX, which was listed as a closed account with a {$0.00} balance, from my credit report. I disputed this account with XXXX, and their investigation was completed on XXXX XXXX XXXX. As a result of the investigation, XXXX deleted the account from my credit report. This action confirms that the information is unverifiable, and your agency is now required to delete the account in compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies are mandated to ensure that all information they report is accurate, complete, and verifiable. Since XXXX has determined that this account can not be verified and removed it from my credit report, it is your legal obligation to do the same. 

Furthermore, FCRA 609 and 611 state that unverifiable accounts must be removed within 30 days of a dispute. Therefore, I request that you promptly investigate and remove this account from my credit report within the legally required timeframe.

If you fail to remove this unverifiable account, I must inform you that FCRA 616 and 617 provide consumers with the right to take legal action against credit reporting agencies for non-compliance. Legal remedies may include suing for damages caused by the failure to ensure accurate reporting and failure to delete unverifiable accounts. 

For your reference, I have attached a copy of my XXXX credit report confirming the deletion of this account. Please confirm in writing once the account has been removed, or provide any documentation verifying its accuracy if you choose not to delete it. 

If this matter is not resolved within 30 days, I will escalate my concerns by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore additional legal remedies to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX somebody hacked my account at XXXX in the XXXX  I reported this to cash XXXX  and XXXX XXXX and I had XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX  store and they all took at least about amount of {$42.00} from me 14 times the amounts were at least XXXX to XXXX to XXXX I reported this to cash app and they denied my dispute even though they know that I did not make these purchases and I even gave them proof that I did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: MI

Complaint narrative:
Upon careful review, substantial and clear discrepancies have been identified between the account details reported by TransUnion and the authentic documentation provided by XXXX XXXX XXXX, XXXX, constituting grounds for immediate removal under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion inaccurately lists an " account number '' ending with XXXX. The original lender documentation clearly indicates this number is exclusively a loan number, distinctly different from the actual collateral account number ( ending in XXXX ) and the related separate account number ( ending in XXXX ). Further, TransUnion erroneously reports the company 's address as XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX, while official bank records explicitly state the lenders legitimate address as XXXX XXXX XXXX, XXXX, GA XXXX. Additionally, TransUnion improperly classifies the account as a standard " installment loan, '' contrary to the original, official establishment of the account as a secured Certificate of Deposit ( CD ) loan, which carries distinctly different terms, conditions, and reporting requirements. Given these significant discrepanciesaddress, loan classification, and account number mismatchesit is evident that TransUnion has failed to conduct proper verification as mandated under FCRA 611 ( 15 U.S.C. 1681i ). These inaccuracies not only misrepresent my credit history but also adversely impact my credit standing unfairly. Therefore, I formally request TransUnion immediately remove this inaccurately reported information from my credit report and provide explicit documentation regarding their verification process, including any information or communications they received that led them to report and verify such clearly erroneous data.

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: WI

Complaint narrative:
This should not be put down as a charge off. The amount was satisfied.

Company response to consumer: Closed with non-monetary relief