vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within XXXX  days. Attached are the necessary documents for your review.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX  days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-01-31 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: PA

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 2025-01-31 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: NE

Complaint narrative:
Experian and Equifax wouldn't remove accounts closed. And transunion won't gice me my credit report without verifying my info all though I have before and it was under my fiances name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NE

Complaint narrative:
Experian and Equifax wouldn't remove accounts closed. And transunion won't gice me my credit report without verifying my info all though I have before and it was under my fiances name.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My personal information was leaking in several data breaches. As a result, my information was misused.

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX unknown transactions were made on the XXXX XXXX 's app using my Apple Card that was linked to the account on the app. I'm assuming my account on the XXXX XXXX 's app was compromised that morning. XXXX of the transactions was cleared ( {$XXXX} ) by Goldman Sachs themselves but I am having trouble clearing up the other transaction, which was {$XXXX}. It's been XXXX years and I've been constantly disputing the {$XXXX} charge to Goldman Sachs but it always favors the merchant at the end of each reasserted dispute. I did not make these transactions as they were in a different city from where I live. I want to add that these transactions were large sums of food, which is not a normal purchase for me, especially at a fast food restaurant. As of XX/XX/XXXX, Goldman Sachs has stopped providing me provisional credit, which is a temporary credit issued to an XXXX XXXX while a dispute transaction is being investigated. I am practically being forced to pay this charge as it is being included in my monthly bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Its really frustrating to know my credit score has been suffering because of accounts that arent even mine. Its been weighing on me for a while, and I cant help but wonder what opportunities Ive missed because of it.

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 2025-01-31 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: MI

Complaint narrative:
Today, XX/XX/year>, a credit card was opened in my name with Capital One. I did not authorize this and do not have any accounts with Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 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 distress, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: LEXISNEXIS
State: MO

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received an email from XXXX XXXX informing me that my credit score had dropped due to a report from XXXX. Upon checking, I found that they claimed my Capital One credit card usage of {$2.00} caused a XXXX decrease in my score, with a remaining balance of {$290.00}. I was confused, so I called to ask how I could lose XXXX points over just {$2.00}. 

During the call, they stated that Capital One had mistakenly reported that I used {$290.00} and that my remaining balance was only {$2.00}. However, this discrepancy didn't appear in my other reports or on my XXXX report. I asked them to acknowledge their mistake and correct my report, but they refused to do so. I also recorded the call to have evidence of our discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
Lanier falselyreported on my credit report of a worker compensation bill, despite being notified. I understand that I havelegal protections under both state and federal laws. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate information and provides consumers the right to dispute inaccuracies therefore, I'm seeking removal of this entry. 

Date Reported : XX/XX/year> Collection Agency LANIER Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/year> Original Amount Owed {$1800.00} Amount {$1800.00} Status Date XX/XX/year> Status UNPAID Balance Date XX/XX/year> Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Subject : Identity Theft Dispute FCRA 1681c-2 & 1681s-2 Compliance Failure I am submitting a formal dispute regarding a fraudulent account that has been added to my Equifax credit report due to identity theft. I have never applied for, authorized, or used this account. I have already provided my FTC Identity Theft Report as required under FCRA 1681c-2 and expect immediate corrective action. 

Legal Violations & Demand for Immediate Removal XXXX. Non-Compliance with FCRA 1681c-2 Failure to Block Fraudulent Account Under FCRA 1681c-2, Equifax is legally required to block fraudulent accounts within four business days upon receipt of an identity theft report. The following fraudulent account remains on my credit report despite my documented dispute, which constitutes non-compliance : Fraudulent Account on Equifax [ XXXX. XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dispute of Inaccurate Charge-Off Information on XXXX XXXX XXXXXXXX XXXX Account Dear Dispute Department XXXX I am writing to formally dispute inaccurate information appearing on my credit report regarding my XXXX XXXX XXXXXXXX XXXX account XXXX The report incorrectly shows this account as a charge-off, but the listed charge-off amount is {$0.00}. Moreover, it reflects a date closed in XX/XX/2021, yet also indicates the charge-off occurred in XX/XX/2021. These inconsistencies can not both be accurate and suggest a reporting error. 

Reason for Dispute & Supporting Details Contradictory Dates : The account is reported as closed in XX/XX/2021 but simultaneously listed as charged off in XX/XX/2021. If the account was truly closed in XX/XX/2021, it would be impossible for it to be newly charged off in XX/XX/2021. 

Inaccurate XXXX XXXX : The account shows a charge-off amount of {$0.00}, which contradicts the notion of a charged-off balance. This discrepancy raises serious doubts about the validity and accuracy of the reported charge-off. 

These conflicting details misrepresent my credit history and harm my creditworthiness. 

Legal Basis for Removal or Correction I dispute this information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which affords me the right to dispute inaccurate or incomplete information in my credit file. Under 15 U.S.C. 1681i, you, as a consumer reporting agency, are required to : Conduct a Reasonable Reinvestigation : Verify the accuracy of the disputed information with XXXX XXXX XXXXXXXX XXXX 
Delete or Correct Inaccurate or Unverifiable Information : Pursuant to 15 U.S.C. 1681s-2 ( b ), the furnisher of the information ( XXXX ) must investigate and rectify any errors or remove the misinformation from my credit file if they can not verify its accuracy. 
Requested Action Reinvestigate the Account Details : Please contact XXXX XXXX XXXXXXXX XXXX to verify the correct date the account was closed, whether a valid charge-off actually occurred, and what the correct balance/charge-off amount ( if any ) should be. 

Delete or Correct the Inaccurate Data : If XXXX can not substantiate this charge-off in line with the FCRAs requirements, the charge-off notation and any incorrect dates should be removed or corrected immediately. 

Provide Updated Report : Please send me an updated copy of my credit report once you have completed your reinvestigation and made any necessary corrections. 

Should you fail to adequately address this matter, I am prepared to explore any other remedies available to me under federal law. 

I appreciate your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I inquired about the application with Navient in XX/XX/XXXX. I received a response from Navient on XX/XX/XXXX and then was sent the application by Navient on XX/XX/XXXX. I sent my first discharge application in XX/XX/XXXX, I received denied in XX/XX/XXXX. The denial letter stated " A variety of factors are considered in determiningwhether a private loanshould be discharged based on school misconduct and youdo not meet the requirements for discharge based on misconduct by your school. '' I called for further information and was told the same thing, was not given specific information. On XX/XX/XXXX, I sent an appeal with all the documentation I sent in the first application along with 80+ pages of further documentation and an appeal letter. Today, XX/XX/XXXX I received another denial letter, stating the exact same thing as the first, with no specific information as to why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3500.00} - Late/Closed XXXXXXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$9.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NV

Complaint narrative:
I tried to transfer money from my XXXX XXXX savings to a Money Market account I have in another bank but XXXX XXXX stopped the transfer due to security reasons. I called XXXX XXXX customer service and they didnt help me ( I could barely listen the customer service agent ). I sent a secure message and an email asking to lift those restrictions but they didnt reply, they usually reply after XXXX days. I cant move my money the way I want. I cant transfer between my XXXXXXXX XXXX XXXX accounts because I can only make XXXX transactions per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have sued and disputed inaccuracies for over a year only to have them marked as duplicates when they wouldn't be duplicate if the credit companies had done thorough investigations in the first place instead of waiting to get sued. If you look through my history I continue to dispute inaccuracies for the same reason and they need to be REMOVED simply because it is a violation of the rules please see the following PDF 's attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 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