vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: PA

Complaint narrative:
Added my cash app card to XXXXXXXX XXXX tried to make a purchase for food and it was declined multiple times. I went to the app as directed and approved the purchase. It was declined over XXXX times. I talked to a so called " advocate '' in the support chat that directed me to do the same thing I did XXXX times over, again. My card was still declined. The place where I was purchasing food at I have been using my card there for months and this is the first time I encountered this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-14 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: NC

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-03-14 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: NC

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-03-14 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a problem trying to pay for updating my corporate documents with the Florida Department of State Division of Corporations. I called the TRUIST XXXX credit card and they told me that they had the physical location incorrect for my business. They corrected the information and then I was able to make the purchase. About a week later I tried using my TRUIST XXXX credit card to make a purchase through XXXX and it was not allowed and then a purchase for a XXXX advertising and that was not allowed. I visited TRUIST bank in person and they told me that they made the proper updates for the business address. 

Today I tried to make the XXXX and XXXX purchases again and they did not work. 

I feel like I am getting the run around. I ask the TRUIST  XXXX credit card department why the card is not working and then I am told XXXX story then go to TRUIST and am told a different story. I am told several times that the problem has been solved but it has not. Purchases that are necessary to conduct my business are being blocked. If I am given credit but then the credit is being blocked then I have not actually been given credit. I have tried opening a business line of credit at another bank but was refused. Having an open account for credit in XXXX bank actually blocks me from obtaining a different credit card at a different bank. If I were to close the TRUIST XXXX credit card myself it would damage my credit score. I have tried contacting the XXXX credit card company that is independent from TRUIST and they told me that there is nothing that they can do for me. They said that I have to go through the TRUIST issued XXXX credit card department for a solution.

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 2025-03-14 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: MD

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HOPE BANCORP, INC.
State: VA

Complaint narrative:
Applied for a new checking account on XX/XX/XXXX, in response to a promotional offer where a monetary bonus would be made of certain conditions were met. As of XX/XX/XXXX, I have not received a disposition on the status of account opening, likely as a means to not honor the promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Subject : XX/XX/2025 Cease and Desist Notice Regarding Alleged Debt Request for Debt Validation To Whom It May Concern, This letter is a formal demand that you cease all communication with me regarding the alleged debt referenced in your correspondence, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 
I do not acknowledge any liability for this debt. Under federal law, you are required to provide proper validation of the debt, including but not limited to : 1. The original creditor 's name and address.

2. A copy of the original signed contract or agreement ( if applicable ).

3. An itemized statement of the amount claimed, including principal, interest, fees, and any other charges.

4. Verification that you are legally authorized to collect this debt.

5. Chain of title or assignment 6. Forward Flow Agreement Until this information is provided, you must cease all collection activities, including phone calls, letters, or reporting this debt to any credit reporting agency. Failure to comply with this request may result in legal action against your company for violations of the FDCPA. 
Additionally, I demand that you cease all further communication with me regarding this matter, except for the required written validation of the debt. Any further attempts to contact me outside of compliance with 15 U.S.C. 1692c will be considered harassment and a violation of my rights under federal law. 
If you believe this debt is valid, you must provide the requested verification within 30 days from the date of this letter. If you fail to do so, I will consider this matter resolved and will take necessary steps to enforce my rights under the FDCPA, including reporting your violations to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. 
This letter serves as official notice under federal law. Please govern yourself accordingly.

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 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/year>, I financed a used XXXX with Ally Bank for appx. $ XXXX. I noticed a few days later that the VIN on the paperwork provided by XXXX XXXX XXXX did not match the VIN on the car door. Old XXXX XXXX was only willing to give me the car matching the VIN ( which I had never even seen ) or charge me thousands more to keep the car which I bought in order to correct the paperwork. I returned the car and said that the deal must be unwound. 

I immediately contacted Ally Bank, who financed the used XXXX, and informed them of this situation. They said that once XXXX XXXX XXXX returned the funds, my account would be closed. However, in spite of returning my down payment to me upon agreeing to unwind the deal, XXXX XXXX XXXX seemingly did not unwind the deal with Ally Bank. Instead, XXXX kept the car and did not return the funds to Ally Bank. I have called Ally customer service and have only been told there is nothing they are willing to do until the dealer decides to return the car loan funds. I have tried to have Ally investigate the situation and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I am filing a dispute regarding the student loans reported on my credit file due to potential violations of the XXXX XXXX Rights and Privacy Act ( XXXX ). Recent reports indicate that XXXX XXXX and affiliated entities may have gained unauthorized access to Americans ' private student loan information. XXXX ( 20 U.S.C. 1232g ) protects student records from such unauthorized disclosures. If my loan data has been accessed, shared, or misused without my consent, it constitutes a violation of federal law. 

I am requesting the immediate removal of these student loans from my credit report, verification of the data source, and an investigation into whether my information was obtained legally. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must ensure that all reported information is accurate, verifiable, and lawfully obtained. If they can not provide proof that my student loan data was acquired in compliance with XXXX, they are required to remove the accounts from my report. 

I urge the CFPB to oversee this matter to ensure my rights are protected. Failure to act on this dispute may result in legal action to enforce my consumer rights.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-14 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: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/scrub>XXXX Current Address : XXXX XXXX XXXX XXXX Texas XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-03-14 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-14 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-14 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: WV

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
XX/XX/XXXX - text message informing me that my credit card bill was due from number XXXX. I inquired what the account was and what this was for and they asked if my card was lost or stolen, i stated i have never had one with XXXX  and they stated they would remove my number from their list. 

XX/XX/XXXX - text message from XXXX from XXXX  stating that my bill in the amount of {$46.00} is due on XX/XX/XXXX to follow the link provided XXXX XXXX XXXX  I texed them back and asked what this was for and they responded that that they will remove my phone number again. 

I searched up this phone number and the same company XXXX XXXX XXXX comes up and I have had several missed calls from this phone number that my robokiller had blocked. They stated that they are a debt collector also, and are going to file a law suit. For what? I have no clue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: U.S. BANCORP
State: NY

Complaint narrative:
U.S Bank opened XX/XX/24 {$2000.00} This is an unauthorized account My information was exposed in a database breeches

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