vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-17 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: TN

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a c 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 resolutions 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 2025-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I've requested a copy of cashed check # XXXX dated XX/XX/year> front & back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midlands Credit Management Inc, has placed a dept of {$720.00} on my credit report falsely stating that I open an account back on XXXX XXXX. They have yet to prove a debt validation, or a Forward Flow agreement and a Chan of assignment. They have reported this debt collection on my XXXX XXXX. This collections has hinder me from applying for a home mortgage loan. I would love for this derogatory remark removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A credit card with Capital One was opened fraudulently in my maiden name on Friday, XX/XX/XXXX. I had no notification that this card was opened until I received a welcome email from Capital One. I then found out that a hard inquiry had been placed to my credit reporting agency with XXXX without my knowledge, and the card had been approved. I called Capital One immediately to report the card as fraudulent, and they claimed a card hadn't been opened and they would put a freeze on any further inquiries. However, this was inaccurate and we found out that a card had been opened. I called Capital One again on XX/XX/XXXX and reported the fraudulent card and they first asked me if I had authorized anyone to open this card, like I was a XXXX! When I reiterated that I did not authorize this card, they told me it was canceled. I froze my credit with XXXX credit reporting agencies and filed and FTC report immediately. I called Capital One again on Monday, XX/XX/XXXX and inquired about the card because I was still receiving welcome emails from the company, and they told me that the agent from Capital One on Friday, XX/XX/XXXX was inaccurate, and that the card had not been canceled, only " Restricted '' and that they would be conducting an investigation to determine if the card was opened fraudulently. When I asked if anyone would talk to me or what the process of proving the card was opened fraudulently entailed, the agent could not answer me. I was told I would not be given any opportunity to prove I did not open the card, and that I would have to wait for a letter in the mail to await their " Decision '' about if the card had been opened fraudulently. I explained how this is insane that the card was opened so easily without my knowledge at all, and asked again how the process of their investigation works, and was not provided with an answer. I have no confidence that Capital One will protect my interests because their security is clearly so lax as to allow anyone with sensitive information ( that is so commonly leaked in data breaches these days ) to open a card and then have no concrete process or recourse for affected individuals to be protected. I have also learned that this is a common internet scam because Capital One 's security and fraud investigation is so abysmal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I purchased a XXXX  Toyota XXXX from XXXX Toyota XXXX  on XX/XX/year> Shortly after, I realized I did not want the vehicle and attempted to return it within a few days. The dealership refused to accept the return or offer any resolution. I feel that I was pressured into the sale, misled about the financing terms, and was not properly informed about my options. Additionally, the vehicle was falsely advertised regarding its practicality. I was led to believe charging would be convenient, but I have found very few charging stations available. When I do find one, the charging time is excessively longoften taking up to 8 hoursmaking the car impractical and nearly undrivable for daily use. Despite multiple attempts to resolve the matter with the dealership and Toyota, they have not assisted me. I am requesting assistance in canceling the purchase and loan agreement or exchanging the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : XXXX XXXX  - XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-17 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: Penn Credit Corporation
State: OH

Complaint narrative:
On or around XX/XX/XXXX, I discovered that multiple fraudulent accounts were reported on my credit file without my authorization. These accounts have negatively impacted my credit standing, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX. XXXX ( Line of Credit ) Date Opened : XX/XX/XXXX Balance : {$510.00} Status : Charged off as bad debt Actions Taken : This account was not opened by me and appears to be a result of identity theft. The credit grantor has since canceled the account and reported a charge-off. 

XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Collection/Chargeoff Actions Taken : This account is not mine, and I have never done business with this creditor. Despite disputing the account, it remains on my credit file. 

Actions Taken by Me : XXXX. Filed an Identity Theft Affidavit I have submitted an official identity theft report to the Federal Trade Commission ( FTC ). 
XXXX. Filed a Police Report XXXX police report is being filed to document the fraudulent activity. 
XXXX. Disputed with Credit Bureaus I have formally disputed these accounts with XXXX, XXXX, and XXXX and requested their removal. 
4. Requested Verification Under FCRA Under 15 U.S. Code 1681i, I have asked for documentation proving that I personally opened these accounts.

5. Requested Account Blocking Under FCRA Under 15 U.S. Code 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit file.

Requested Resolution : Immediate removal of the fraudulent accounts from my credit report.

Written confirmation that the accounts have been deleted.

No further collection attempts related to these fraudulent debts.

Copies of any applications, signatures, or documentation used to open these accounts. 

I expect the credit bureaus and the furnishers of this inaccurate information to comply with FCRA regulations and take corrective action within the legally mandated 30-day period. Failure to do so will result in further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-03-17 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: GA

Complaint narrative:
Company stated they verified the debt in which is not true because the original company wrote me and stated the debt was sold to another company years ago and is no longer being collected on their end

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 2025-03-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 of a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies on my credit report. Despite my previous disputes, the credit bureaus have failed to properly investigate and correct these erroneous items, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under sections 611 and 623. Due to these errors, my credit score has been severely impacted. 

Disputed Accounts : 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 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  Date of Inquiry - XX/XX/XXXX I have no association with these accounts, yet they have been wrongly attributed to me. Under FCRA Section 609, I request verification of these accounts with proper documentation proving they belong to me. If no such documentation exists, they must be immediately removed from my credit file. 

Incorrect Addresses on File : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX These addresses do not belong to me and should not be associated with my credit report. The presence of inaccurate addresses can indicate identity confusion or potential fraud. Under FCRA Section 605, outdated or incorrect personal information must be corrected or removed.

FCRA Violations Committed by the Credit Bureaus : Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ) My previous disputes were not properly investigated.

Failure to Provide Verification ( FCRA Section 609 ) The credit bureaus have not provided legitimate proof that these accounts belong to me.

Failure to Maintain Accurate Information ( FCRA Section 623 ) Reporting inaccurate accounts and addresses is a violation of my consumer rights. 

Requested Resolution : Remove all the incorrect accounts listed above from my credit report immediately. 

Remove all erroneous addresses from my credit report. 

Provide written confirmation that these inaccuracies have been corrected. 

If these errors are not corrected promptly, I will escalate my complaint by seeking legal remedies under the FCRA. Please address this issue immediately and confirm the corrective actions taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding multiple inaccuracies on my credit report. Despite my previous disputes, the credit bureaus have failed to properly investigate and correct these erroneous items, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) under sections 611 and 623. Due to these errors, my credit score has been severely impacted. 

Disputed Accounts : 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 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  Date of Inquiry - XX/XX/XXXX I have no association with these accounts, yet they have been wrongly attributed to me. Under FCRA Section 609, I request verification of these accounts with proper documentation proving they belong to me. If no such documentation exists, they must be immediately removed from my credit file. 

Incorrect Addresses on File : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX These addresses do not belong to me and should not be associated with my credit report. The presence of inaccurate addresses can indicate identity confusion or potential fraud. Under FCRA Section 605, outdated or incorrect personal information must be corrected or removed.

FCRA Violations Committed by the Credit Bureaus : Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ) My previous disputes were not properly investigated.

Failure to Provide Verification ( FCRA Section 609 ) The credit bureaus have not provided legitimate proof that these accounts belong to me.

Failure to Maintain Accurate Information ( FCRA Section 623 ) Reporting inaccurate accounts and addresses is a violation of my consumer rights. 

Requested Resolution : Remove all the incorrect accounts listed above from my credit report immediately. 

Remove all erroneous addresses from my credit report. 

Provide written confirmation that these inaccuracies have been corrected. 

If these errors are not corrected promptly, I will escalate my complaint by seeking legal remedies under the FCRA. Please address this issue immediately and confirm the corrective actions taken. 

Sincerely, 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NEW CITY FUNDING CORP.
State: NJ

Complaint narrative:
I am disputing an auto loan account originally opened on XX/XX/XXXX with New City Funding Corp., which was charged off on XX/XX/XXXX. Despite this, the company continues to report the account to XXXX as unpaid. According to their own letter, a settlement offer was extended but not satisfied, and the account was charged off over six years ago. 

A charged-off account is typically written off for tax purposes. If the creditor issued a Form 1099-C ( Cancellation of Debt ) or received tax benefits from the charge-off, they are not allowed to continue reporting the debt as unpaid or attempt further collection. I requested confirmation of this and demanded the removal or correction of the reporting. I have also disputed this with XXXX directly. 

This continued reporting may violate the Fair Credit Reporting Act ( FCRA ) and IRS regulations if the debt was canceled. I am requesting that this account be removed or updated to Paid or Settled immediately.

Company response to consumer: Closed with explanation