vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This Round XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Persona XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my [ credit bureau ] credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-05-02 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: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX I received an email notification from XXXX that a hard inquiry was made to my credit. I did not see the email until about XXXXXXXX XXXX because I was in a work meeting at the time. I logged into XXXX and saw that it was made by a company called XXXX  out of XXXX. I froze my credit with the XXXX bureaus and contacted XXXX  about this account at. After verifying my information with them, they confirmed that an account had been open in my name, and that the funds had not been disbursed yet. I informed them that the account was fraudulent, and I asked them to not disburse the funds and to freeze the account. They refused to do so, but they sent me an email explaining the process for disputing the account. In that email they requested that I include my personal bank account information in the police report that I file. This does not seem like a legitimate business practice, and I did not include my bank account in the police report or in my letter to them disputing the account. I should not have to give my personal bank account to an organization that I did not agree to do business with to dispute a fraudulent account. I was able to get the police report finalized with the XXXX Police Department on XX/XX/year>. I filed it online initially on XX/XX/XXXX, but they emailed me on XX/XX/XXXX stating I had to call in to finish filing. I also filed a report with the FTC on XX/XX/year>2025. I was able to go pick up my police report confirmation on XX/XX/year>2025, and I filed my dispute with XXXX that same day. I received notice today XX/XX/year>2025 that they completed their investigation and found me liable for this loan, that was opened fraudulently and was reported as fraudulent before the funds even dispersed. I have done everything I have needed to do to try to clear this up. My credit should not be held prisoner by this company that I did not consent to do business with. Also, if they would have taken action when I called them right after the loan was opened, I would only be disputing a hard inquiry right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 ( XXXX ). 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 ( XXXX ) and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress seek for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( XXXX  ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I went to a XXXX XXXX in late XXXX. I got only XXXX XXXX XXXXXXXX. Its not what I requested and its definitely was not the price I was told vs what was charged. I started Contacting Synchrony Bank in XXXX. Its now been months. I have provided text messages, pictures, price list, all needed information for the dispute. Synchrony keeps closing the Dispute. I can only contact them via Chat. I complain as I still dont understand why the which should be an easy resolution. I was charged {$650.00} for something that cost {$200.00}. Provided and proved that the amount is incorrect. 
So when I contact again they just reopen another dispute for less. We are now on the 3rd opened dispute for the same transaction. I just want the correct amount refunded. 
Nothing more nothing less

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My entire credit file is gone. I was in the process of securing a mortgage and prior to close they went to pull my credit and the entire file was blank. Contacted Equifax and they ask me to upload my drivers license and social card to verify my identity to a secure link they sent me. I did and they requested 5 days to correct. I gave them 7 and called back because it still was not fixed. They can't tell me when this will be fixed and have access to my credit report. The second rep I spoke with on XXXX  after the first rep told me to call back on XXXX  because they supposedly " escalated the matter '', escalated the issue again and gave a ticket number XXXX and said to call back XXXX. Call back today and the file still isn't fixed and they do not know when it will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX RE : Formal Debt Validation Request Account Opened : XX/XX/XXXX2024 Amount Claimed : {$16000.00} To Whom It May Concern : I am writing in response to a collection notice regarding an alleged debt in the amount of {$16000.00}, which you claim I owe and which you state was opened on or around XX/XX/XXXX2024. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg, I am formally requesting complete validation of this debt. 

Until you provide all of the following documentation, you are required to cease all collection activities, including reporting this account to any credit reporting agencies : A full breakdown and itemization of the debt, including the original balance, interest, fees, and any other charges. 
The name and address of the original creditor. 
Proof that I am legally obligated to pay this debt ( e.g., a signed contract or agreement ). 
Evidence that you, XXXX XXXX XXXX XXXX, are legally authorized to collect in the State of Washington. 
Documentation verifying that the debt is within the applicable statute of limitations. 
Copies of any judgments ( if applicable ). 
Proof that this debt has not been the result of identity theft or error. 
If you can not provide proper validation, I demand that this alleged debt be removed from all credit reporting agencies immediately and that you cease any further collection efforts. Please consider this letter as notice that I am disputing this debt in its entirety and requesting immediate investigation and removal. 

Furthermore, if you continue to attempt collection without verifying the debt as required, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Washington State Attorney Generals Office. 

I expect a response within XXXX days of your receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The vehicle had a pre-existing defect with the lug nuts and studs, making it unsafe to operate. XXXX acknowledged the issue and offered a {$1200.00} reimbursement for repairs, contingent upon me paying upfront and completing the repairs within 30 days. Due to financial hardship and extended wait times at dealerships, I am unable to meet these conditions. I am seeking either a full rescission of the contract or for XXXX to cover the repair costs directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Fraudulent Accounts - Identity Theft Victim Dear Credit Reporting Agency, I am writing to formally dispute several fraudulent accounts listed on my credit report. I am a victim of identity theft, and I did not authorize or make any charges associated with these accounts. 

The accounts I am disputing are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Opened : XXXX I kindly request that you investigate these accounts and remove them from my credit report, along with any associated charges or debts. I have taken steps to report this theft to the authorities and have included a copy of my identity theft report for your records. 

Please confirm the removal of these fraudulent accounts and provide me with an updated copy of my credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me at the information provided above. 

Attachments will be provided Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-02 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Westlake Services, LLC
State: TX

Complaint narrative:
More than thirty days ago, I sent a notice to all three credit reporting agencies XXXX XXXX and XXXX  disputing the inaccurate information obtained by Westlake Financial. Westlake Financial repossessed a vehicle from me in XX/XX/year>. The vehicle loan was not in default of any kind at that time. The towing company that picked up the vehicle said to me that he was told to pick up the vehicle. Westlake Financial has since repeatedly reported misleading and false information to the credit reporting agencies XXXX XXXX and XXXX. Westlake Financial has inflated the price of the vehicle and fees, reported inaccurate dates of the repossession to look as if the vehicle was repossessed in XXXX XXXXWestlake Financial has changed the payment status on the account to the credit reporting agencies to reflect its deceptive and fraudulent behavior. The account was never late. 
Westlake Financial has continued to harass me by way of using the credit reporting agencies XXXX XXXX, and XXXX.This harassment has been by way of a wrongful repossession, falsifying and inflating the cost of the vehicle, altering the payment method of the account, and continually refiling a repossession and falsifying the dates of the repossession for years.

The deceptive practice of Westlake Financial is within your scope to investigate. I ask that an investigation is also conducted on XXXX, XXXX, and XXXX. These XXXX credit reporting agencies have allowed this deceptive behavior to continue for years. They have been notified several times regarding this matter and the fraudulent activities of XXXX XXXX. I ask that an investigation is done in this matter based on the Fair Credit Reporting Act, Fair Credit Billing Act, Truth and Lending Act, Equal Credit Opportunity Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My XXXX XXXXXXXX rewards credit card ( XXXX ) was charged off, I settled with the third party company and paid the agree upon amount. They will not provide any documentation.

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