vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for failing to remove a fraudulent credit card account that was opened in my name as a result of identity theft. The account ( Account Number : XXXX ) was opened without my authorization and has a balance of {$29000.00}. It is currently reporting as charged-off and severely delinquent on my credit report. 
I reported the identity theft to the proper authorities in XXXX and submitted the following to XXXX XXXX : My FTC Identity Theft Report Police report A notarized identity theft affidavit Proof of identity and address Despite submitting all necessary documentation and following up multiple times, XXXX XXXX has not removed the fraudulent account from my credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ), which states that a creditor must block fraudulent information upon receiving proof of identity theft ( 15 U.S.C. 1681c-2 ). 
Both XXXX and XXXX have removed the account from my credit file. However, XXXX XXXX has continued to report this account and has not responded to my requests or taken appropriate corrective action. 
I am requesting that the CFPB investigate this matter and require XXXX XXXX to : Permanently remove the fraudulent account from all consumer reporting agencies. 
Cease all collection activities related to this account. 
Provide a written statement confirming the removal and resolution of this account. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: HI

Complaint narrative:
I am trying to redeem my US Bank XXXX XXXX XXXX XXXX using the Real-Time Rewards cardholder benefit. Purchases that are {$10.00} or more are supposed to qualify per US Bank terms and conditions. Real-Time Rewards is basically a purchase eraser using your banked points to cover eligible charges. Also, I am supposed to get a rewards redemption discount due to my eligible purchases being " travel '' category purchases. This specific " travel '' category gives your banked points 50 % more ( XXXX ) value. All of my purchases qualified, but I only received one confirmation reply text and was credited for only one out of three eligible " travel '' transactions. In the past, I have always received a confirmation reply text whenever I text " REDEEM '' back to XXXX to use my rewards points to cover an eligible " travel '' charge. I have included several attached screenshots as proof of my claim. As I mentioned above, the only requirement for Real-Time Rewards is a {$10.00} purchase minimum. Furthermore, both of my XXXX and XXXX ride share purchases count/code as " travel '' so I am therefore entitled to the 50 % Real-Time Rewards Points boost as an 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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 ( 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 proces 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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received a letter from Experian and when I opened it. They sent someone elses information with my address. Im just concerned now if they sent my personal information to a random person. Im not confortable with this company anymore. They sent personal information to random addresses and I took pics to upload them here.

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 2025-03-30 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: IL

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a bankruptcy that has already been removed from XXXX, their primary data source for public records. 

I previously disputed this bankruptcy with all three bureaus, and they failed to conduct a reasonable investigation as required under FCRA 611 ( a ) ( 1 ). Instead of properly verifying the information, they continued to report it inaccurately.

Additionally, under FCRA 623 ( a ) ( 1 ), information that is known or should be known to be inaccurate can not be reported. Since XXXX has deleted the bankruptcy from its records, the credit bureaus have no independent source to verify it, meaning they are reporting false information. 

By continuing to report this bankruptcy, the credit bureaus are : 1. Failing to conduct a reasonable reinvestigation ( FCRA 611 ( a ) ( 1 ) ) 2. Reporting information they know is inaccurate ( FCRA 623 ( a ) ( 1 ) ) 3. Failing to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) )

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 2025-03-31 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: PA

Complaint narrative:
I am contacting you to address significant concerns regarding discrepancies in my credit report. After a careful review, I identified multiple errors, including incorrect account details, billing inconsistencies, and inaccurate accounts. These inaccuracies are impacting my financial well-being, and I need your prompt assistance in resolving them.

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 2025-03-30 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: PA

Complaint narrative:
XX/XX/year> I disputed 5 accounts on my credit report, advising the information needed removed but the Experian advised no information was changing on XX/XX/year>

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A fraudulent check was deposited under my name. This resulted in {$550.00} of my own money being taken out from my account. I kept calling and calling and they kept telling me Id be receiving that money back tomorrow. I ended up calling one last time and they told me I actually wont be getting that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-03-30 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: VA

Complaint narrative:
I am a victim of identity theft, and an eviction has been wrongfully reported under my name. I recently attempted to apply for an auto loan and was notified of a collection account from XXXX XXXX XXXX for a fraudulent rental. 

The fraudulent rental account was opened in XX/XX/XXXX without my knowledge or consent. 
I discovered the fraudulent activity in XX/XX/XXXX when reviewing my credit report. 
The total fraudulent amount associated with this eviction is {$7800.00}. 
I have already submitted an FTC Identity Theft Report ( Report Number : XXXX ) to document this crime. This report verifies that I did not authorize this rental, nor did I agree to any lease terms that led to this eviction. 

I request that this eviction record and the associated debt be removed from my credit report immediately. I have attached my FTC Identity Theft Report as supporting documentation. Please investigate this matter and provide a resolution as soon as possible. 

Thank you for your prompt attention to this dispute.

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 2025-03-30 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:
Requested the Method of Verification ( MOV ) and Proof of Verification for the following account listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 7 ) and 609 ( a ) ( 1 ). Credit Bureaus did not provide the requested information. 

XXXX XXXX XXXX XXXX XX/XX/year> {$6500.00} XXXX XXXX XXXX XX/XX/year> {$360.00}

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 2025-03-30 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:
Requested the Method of Verification ( MOV ) and Proof of Verification for the following account listed on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 7 ) and 609 ( a ) ( 1 ). Credit Bureaus did not provide the requested information. 

XXXX XXXX XXXX XXXX XX/XX/year> {$6500.00} XXXX XXXX XXXX XX/XX/year> {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX. Violation of Privacy Rights Under 15 USC 1681c ( Section 602 of the FCRA ), I have a fundamental right to privacy regarding my personal financial information. I believe this creditor has compromised this right by reporting a late payment.

2. Unauthorized Disclosure of Consumer Report Information Under 15 USC 1681b and 15 USC 1681n ( specifically, the provisions outlined in Section 604 ( a ) ( 2 ) of the FCRA ), a consumer reporting agency is prohibited from furnishing my account information without my explicit, written consent. In my case, a late payment was issued without my written consent.

3. Improper Treatment of Timely Credit Card Payment According to 15 USC 1666b, a creditor is not permitted to treat a timely payment on a credit card under an open-end consumer credit plan as late for any purpose. Despite making payments in accordance with the agreed-upon terms, this creditor has inaccurately reported or treated my payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
On XX/XX/year> I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not open or authorize the following. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX late payments I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and would appreciate your prompt response in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
I am contacting you to address significant concerns regarding discrepancies in my credit report. After a careful review, I identified multiple errors, including incorrect account details, billing inconsistencies, and inaccurate accounts. These inaccuracies are impacting my financial well-being, and I need your prompt assistance in resolving them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am reaching out regarding serious concerns about discrepancies in my credit report. A recent review uncovered multiple inaccuracies, including unauthorized accounts, incorrect inquiries, and inconsistencies in reported billing details. These errors are affecting my financial health, and I require your immediate assistance in resolving them.

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Info on all 3 credit reporting agency is old and incorrect. Some are very old and should not even be still on all 3 credit agency. And its wrong to send my debts to a credit agency. Its against the law to do this. Thx XXXX XXXX. XXXX XXXX Trans union equifax

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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Info on all 3 credit reporting agency is old and incorrect. Some are very old and should not even be still on all 3 credit agency. And its wrong to send my debts to a credit agency. Its against the law to do this. Thx XXXX XXXX. XXXX XXXX Trans union equifax

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 2025-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Dear Sir or Madam : In early XXXX XXXX XXXX XXXX XXXX preferred credit card which is own by Synchrony Bank to have a late fee removed. XXXX forward my account to Synchrony Bank, and the customer service there told me that they will not charge any more late fee on my account. The customer service asks me if I want to settle on this account. I explained to the representative that I do not want to settle, and I want to continue make my monthly payment. The next day, I call XXXX again to verify that my account is not settle, the representative told me that the account show settle. I told XXXX that I did not agreed to settle this account and I dont understand why this account is settle, I told XXXX that I never received any letter or email stating this account is settle. 
I made two monthly payment, and I call to make sure the fund is applied to my account. 
The representative told me that the account is settled and charge-off, Again I explain to all Synchrony bank reps that I did not agreed to settle this account. Synchrony banks talk all the information and told me they will investigate. As of today, I never received any information from Synchrony why my XXXX account is settle. 

A few week ago, I call to get the status on my account and no one can provide any updated, Synchrony bank keep telling me that the account is settle, I received several letters in the mail from different credit card owned by synchrony bank, say they are closing my account, due to high risk. 

I always make my monthly payment to all my credit cards and I have no issued, because of the XXXX account, this issued decrease my credit scores, some of my account are closed.

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 2025-03-31 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian 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 consist of a Mobile Celluar device opened at XXXX XXXX XXXX in XXXXXXXX XXXX XXXX under the account number XXXX. This account have 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 account, collection, or hard inquiries as reported. The aforementioned account, collection, 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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/year> a person by the name of XXXX XXXX got access to my XXXX  & took {$210.00} from my TD Bank Account through XXXX. I dispute the issue &! the refused to give me my funds back. I disputed the transaction with XXXX  & TD Bank through XXXX & no one help me get my funds back. I have all the documents of when the funds was tooking from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery wanted to collect on a debt that is no longer with the company therefore they are frequently trying to get money from me. They cant collect on a debt that they are not authorized to collect on and the bill is paid in full. We negotiated a payment of {$1700.00} which on XX/XX/year> I made a {$900.00} payment over the phone and mailed them the remaining balance. I informed their attorney and he told me he was unaware of my communication with Portfolio Recovery and would have to contact Portfolio Recovery. They are reporting miss information to all of the credit bureaus and I want the miss information removed from every credit bureau. The account number is XXXX. Please email me any future information regarding this matter Thank you

Company response to consumer: Closed with explanation