vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-06 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: PA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Complaint Against Nordstrom for FCRA and FDCPA Violations Illegal Credit Reporting and Failure to Provide Tax Documentation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Nordstrom for their continued violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e regarding a fraudulent account they refuse to remove from my credit report.

Violations Committed by Nordstrom : 1. Illegal Credit Reporting After Selling the Account Nordstrom has admitted that they sold the account to XXXX XXXX. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher of credit information may not report inaccurate or misleading information once an account is no longer their legal obligation. Despite this, Nordstrom continues to update the account as charged off every 30 days, which is knowingly false and damaging to my credit.

2. Failure to Properly Investigate a Disputed Fraudulent Account Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), a consumer has the right to dispute inaccurate information directly with a furnisher. I have provided Nordstrom with a police report clearly stating the account was fraudulent, yet they refuse to remove it, violating their duty under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and delete inaccurate information.

3. False and Misleading Collection Practices The continued reporting of a charged-off account that they no longer own is a misrepresentation of a debt and constitutes a violation of 15 U.S.C. 1692e ( 8 ) under the FDCPA, which prohibits furnishing false credit information about a debt. If Nordstrom no longer owns the account, they can not legally continue reporting it.

4. Failure to Provide Required Tax Documentation When an account is charged off or sold, the original creditor is typically required to provide tax documentation if the charge-off exceeds {$600.00}. Despite my repeated requests, Nordstrom has failed to provide the required tax form, potentially violating IRS reporting guidelines under 26 U.S.C. 6050P. 

Requested Actions : Immediately cease reporting the account since it has been sold and is no longer under Nordstroms control. 
Permanently delete the fraudulent account from my credit report, as they have received proper evidence proving its fraudulent nature. 
Provide the required tax documentation related to the charge-off and sale of the account. 

Nordstroms refusal to comply with federal consumer protection laws is causing severe harm to my credit and financial standing. I request the CFPB to take immediate enforcement action against Nordstrom for their ongoing legal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I received a fraudulent XXXX from Block, Inc. ( Cash App ) XXXX XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. I don't have or never had an account with this company and have never done any business with them ever. I contacted the company on XX/XX/XXXX and talked to a person named XXXX. She wasn't helpful and only said to submit a case with identitytheft.gov which on did on the same date of XX/XX/XXXX. I've also submitted a police report with my local police department since then. I need this resolved so I can complete filing my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian XXXX XXXX has the wrong information on my credit report

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 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Dear Sir/Madam : Account was created on XX/XX/year>. 
Merchant : XXXX Furniture XXXX New XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank : Sychrony XXXX XXXX The first time I aware of this account was when I received the credit card which sent to me from Sychrony Bank Home store credit. The day the application for credit card was done by the merchant salesperson I ( XXXX XXXX ) and my XXXX XXXX XXXX XXXX ) were in the Merchants store called XXXXXXXX XXXX to see if there is a sofa of our choice. One of the salespersons approach us and ask to help us in selecting the best choice. After some time, we identify one of the sofas as our choice but did not decide to buy because we told the salesperson " First we are going to ask our children whether they also like it. '' The salesperson said " okay '' and continue " let 's see whether the bank approve you for financial ''. That time we gave him the information he needs ( he also used the value of the item ). We gave the information only for the purpose to know whether XXXX XXXX is going to be approved for financing and not for credit card application and we do not decide to buy the item at that time. As soon as we received the credit card which we did not apply for, we did a phone call to the merchant and told them that they did a mistake to apply for credit card for us and request immediate cancelation of the credit card. However, they don't want to cancel unless we pay 25 % of the transaction amount. 
That was an insult to us, and we disagreed and ask Sychrony Bank to cancel the account for so many times and they sided with the merchant and decline our request. There is not any transaction, and we did not have any received items from the merchant. We did not ask even for financing it was the salesperson idea.

I do not owe any money, no delivery of any furniture received, and no delivery date scheduled.

I do not know how this practice is defined whether it is fraud, misleading, cheating or manipulating.

Sychrony Bank and the Merchant are cooperating together to abuse me and my family and request both of them to close the account, however, both of them declined. 

me and my family are working hard to fulfill our daily lives, and I am looking for your support in providing a solution to the issue. 

Thank You

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX TRANSUNION SOLUTIONS XXXX XXXX XXXX CHEST, PA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information.

The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter.

If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required Sincerely, 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 2025-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
Account involved in litigation!! " I have not supplied proof under the doctrine of estoppel by silence, to XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' Bridgecrest call my phone everyday all day after I asked them to cease all communication with me. Thats a {$1000.00} each time they call me, per FCRA and they havent stopped yet. 

BRIDGECREST EMAILED ME THE ATTACHMENT BELOW. Wheres the validation I asked for? That you were suppose to provide? You stating its my debt, is a violation of the FCRA. Because this is my third time, disputing this asking for validation of the debt that cant be validation obviously. Remove it from my credit report or Ill seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I attached all last year bills and the extra fee is a mystery. All the CS person can tell me was it was late, ( and it was not late all year??? ) and that I should pay on time. horrible. I could not get XXXX statements or XXXX if any statements. I think I got the card in XXXX of XXXX after XXXX was diagnosed with a XXXX XXXX  and failure. Huge bills followed so I got insurance and a care card. I am XXXX as of last XXXX and find that the older I get the more progressive I have to be to protect my money. I do not understand the extra fee and why it is charged every month. The XXXX XXXX emergency pet hospital would add the 6 month deferred without my knowledge and tell me afterward which has cause huge back up of interest. What is this extra fee?? XXXX the XXXX at Sychrony Bank Care Card person did not acknowledge 2 back-to-back hurricanes we had. Nothing just stone cold. I want to transferer the balance and cancel this trap in the name of help. 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 monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
To whom it may concern, I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. Please remove the following inaccurate address from my credit reports XXXX XXXX XXXX EASTERN ACCOUNT SYSTEM XXXX XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such, is a violations of the Fair Credit Reporting Act. Please remove immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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