vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: Block, Inc.
State: NC

Complaint narrative:
I randomly received a Cash App XXXX debit card in the mail, it came first class. The card has my name on it and came to my address but I did not order it. The Cash App username on the card is slightly different than my real Cash App username. I checked all of my bank account activity and do not see anything suspicious. However, you need to put in a SSN to order a Cash App card so I am very nervous about this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), including Section 604 and other applicable laws : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Under FCRA 604 ( a ) ( 3 ), a permissible purpose is required for any hard inquiry on my credit report. I did not authorize these inquiries, nor did I initiate any credit applications with these institutions. As per FCRA 609 ( a ) ( 1 ), I request full documentation of my written authorization for these inquiries. If no such authorization exists, the inquiries must be removed immediately per FCRA 611 ( a ).

Failure to comply with this request within the legally mandated timeframe may result in further action, including reporting violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Please provide written confirmation of the removal of these inquiries at your earliest convenience. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Got a call from a number saying we opened an HSBC card in 2007, made payments for four years and stopped and they were calling to serve us legal paperwork tomorrow. Weve never had an HSBC card that we knew of but because it was so long ago we werent sure. We pay everything on time and have excellent credit but they knew our address, the last 4 of the social and gave us the name of the law firm XXXX XXXXXXXX XXXX XXXXXXXX ). We called there and it seemed legitimate but we couldnt find a law firm via web search. It was a very well played scam that will sadly get a lot of people. Please look into this. The number the call came from was ( XXXX ) XXXX. They called my husband and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: OH

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Someone open various accounts under my ssn but with different name address and phone number is affected my credit I summit a ftc license and ssn they delete but them put back rather the bank account use is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MA

Complaint narrative:
I've received A Copy Of My Credit Report and saw these fraudulent accounts and Inquiries and addresses Reporting please help me removedelete these fraudulent accounts and inquiries out my credit report its been destroying my life and my family life and this is a major violation of FCRA LAW CODES : 15 USC 1681B 15 USC 1681N 15 USC 1681Q 605 B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
On or around XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I submitted disputes to Equifax, Experian, and TransUnion regarding the reporting of an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report. I disputed that the account was not reporting 100 % accurately and completely, particularly with regard to the payment history. 

Despite my disputes, all three credit bureaus have verified the accuracy of the reporting. However, they are not reporting the exact same information. The inconsistencies in the data indicate that the information being furnished by XXXX XXXX XXXX  is not being consistently or accurately maintained across all three credit bureaus. This raises concerns about XXXX XXXX XXXX  compliance with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, which requires furnishers to report complete and accurate information and to correct any errors when a dispute is raised. 

Furthermore, FCRA Section 1681e mandates that credit reporting agencies ( CRAs ) must have reasonable procedures in place to ensure the accuracy and integrity of the data they collect, maintain, and provide to third parties. The law requires CRAs to implement effective review systems and safeguards to prevent the dissemination of inaccurate information in credit reports. If the information being reported by the CRAs is inconsistent, this raises several critical concerns : Was a reasonable investigation actually conducted? 
What account-level documents were reviewed beyond the XXXXutomated Consumer Dispute Verification ( ACDV ) form?

Did the credit bureaus directly contact and speak with a representative from XXXX XXXX XXXX? 
Were ALL payment history details, charges, and credits reviewed thoroughly? 
Without a thorough review of account-level documentation, it is impossible to conduct a meaningful and reasonable investigation. The failure to ensure that all three credit bureaus report the same, accurate information suggests that both XXXX XXXX XXXX  and the CRAs have failed to meet their statutory obligations under the FCRA. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter to determine whether XXXX XXXX XXXX and the credit bureaus have conducted a proper reinvestigation in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Credit Acceptance Corporations reported to XXXX of inaccurate loan account status. This account ( account number XXXX ) was included in my bankruptcy case, yet it is still incorrectly reporting as with a balance. Under the Fair Credit Reporting Act ( FCRA ), any account included in bankruptcy must be accurately reported as included in bankruptcy and show a {$0.00} balance with no further negative marks after the filing date. I did notifiy Credit Acceptance Corporation of inaccurate yet no changes to this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reviewed a copy of my credit report and noticed some inquiries that I have no knowledge of nor did I give my permission The following inquiries are a result of fraud please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-27 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: MI

Complaint narrative:
I reviewed a copy of my credit report and noticed some inquiries that I have no knowledge of nor did I give my permission The following inquiries are a result of fraud please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: DE

Complaint narrative:
The company west lake is reporting that I have a repossession on my credit report which is not true my car was paid in full XXXX of XXXX I was recently at a car dealership when they told me I could not be approved for car due to west lake reporting inaccurate information causing me to be denied for a car loan. I want it taken off my report because it is not tire or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CT

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX, they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: FL

Complaint narrative:
This is a continuation of CFPB complaint # XXXX. 

In alignment with numerous other complaints filed with the CFPB, ProCollect refuses to work towards a resolution on open accounts. I have attempted, multiple times, to contact ProCollect via phone as directed by XXXX XXXX in CFPB complaint # XXXX, but ProCollect 's team refuses to settle stating " You must email collections manager XXXX XXXX XXXX XXXX Reference attached call log. Following ProCollect 's new direction, I emailed XXXX XXXX XXXX to inquire the steps required to work towards resolution. His responses, which are attached, showcase that XXXX XXXX XXXX has no intention of resolving the account. To date, XXXX XXXX XXXX has not responded to the latest email inquiry sent on XX/XX/2025. ProCollect has not validated the charges given to them by their client, XXXX, and refuses to operate with a moral imperative. This operation, ran by XXXX XXXXXXXX XXXX XXXX XXXXXXXX, dismisses the true facts required to determine debt, attempts to damage credit of the middle class, then blatantly builds an impossible wall between debtors and ProCollect account resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MA

Complaint narrative:
I've received A Copy Of My Credit Report and saw My Date Of Birth Wrong And these fraudulent accounts and Inquiries and addresses Reporting please help me remove/delete these fraudulent accounts and inquiries out my credit report its been destroying my life and my family life and this is a major violation of FCRA LAW CODES : 15 USC 1681B Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

605 B A consumer reporting agency must block the information within four business days of receiving proof of identity, an identity theft report, and a statement from the consumer. The agency must also notify the furnisher of the information. The agency may decline or rescind a block if they determine it's reasonable to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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