vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX, XXXX AND XXXX  ARE REPROTING FALSE INFORMATION IN WHICH THEY ARE GETTING FROM CREDITORS, THESE ARE THE COMPANIES ARE REPORTING FALSE INFORMATION ARE INCORRECT INFORMATION XXXX. NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LATE PAYMENTS REMOVE XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX UNAUTHORIZE INQUIRIES XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX A FRAUD ALERT WAS ADDED TO MY ACCOUNT ALSO THIS WAS AUTHORIZE. I AM A VICTIM OF IDENTITY THEFT AND ALSO A VICTIM OF DATA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST PORTFOLIO SERVICING INC
State: IL

Complaint narrative:
I spoke to an account rep and supervisor today XX/XX/year>. The previous conversation was on last week and was told to call back in five days because he was not able to access my account. It all started when I called my credit card company, Revvi Card, ending XXXX XXXX XX/XX/year> explaining that I was laid off. The rep at the time said for me to qualify as part of the hardship program I had to be current on my one payment. I made a payment and was then current. I also filed a bankruptcy in ending XX/XX/year> and purposely did not add Revvi card because I wanted to keep the account open and pay off the balance which is about {$300.00} However, when I called in today and was able to access the account online I found that I have a balance of {$200.00}, the interest rate for this card is very high. I was told that the card has been charged off and I should call XXXX. The account number is XXXX. The Supervisor, XXXX, XXXX to me that the account should have been added to the bankruptcy. I explained to XXXX that I did not add Revvi Card to the bankruptcy on purpose and also explained that I choose the items to be added and Revvi Card was not one of the items that was added. I was going to pay off the balance and allow the pay off to increase my credit score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/year> they say I owe XXXX midland credit they were threatening me through mail they would take me to court so I called them not paying attention to the balance until today they representing XXXX XXXX  I told them I dont owe that balance lets negotiate through chat they told me to call the phone number I did to ask to negotiate because I dont owe the amount the debt collector is talking everytime im trying to explain or ask a question so he reverse it on me telling me Im talking over him and they will disconnect the call I got frustrated because hes not trying to help me so I call him out that hes talking everytime IM talking and trying to make it seem like Im talking over him so I hear him laughing at me so I get up set and hang up then try to call again to talk with a supervisor so I can do something about the account and still they were not trying to help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I had a customer send me {$5000.00} for a XXXX  job I completed to my XXXX account. 

Ive only used XXXX a handful of times. 

When the money was deposited I could not get the funds to transfer to my bank account. It was not accepting my debit card for some reason. 

After many attempts of trying to reach XXXX, I searched on XXXX for a XXXX customer support number. I was given ( XXXX ) XXXX from XXXX with several " XXXX XXXX '' pages under neath it. I had no reason to believe this wasnt a true number. 

I called on the XXXX and spoke to a man named XXXX. He tried to walk me through several times of trying to get my card to connect. After several failed attempts, he then asked me if he could help me virtually by getting on a " XXXX XXXX  '' chat so he could see what the problem was. 

This was not a red flag to me because I had done this before when fixing technical issues on my home computer. 

After several attempts he suggested that I transfer my funds to my CashApp since I have more access to the funds in there. 

He then walked me through the process of how to transfer the funds. 

He told me that in order to transfer the funds a debit card must be attached. He then proceeded to tell me that XXXX generates debit card numbers for this very reason. And he gave me some debit card Information. 

We transferred all the funds successfully into my CashApp. I could see them on there. 
He then told me to sign out of my XXXX and CashApp and give it 24 hrs for everything to process and change over. That if I tried to access my account before the funds completed transfer that it would lock me out of my account for 7 days. 
Mind you, this was a Friday. 

I called the next day and was told that it was 24 hrs BUSINESS days. That I would need to call back Monday. At this point I wasn't sure what to think but didn't know what I should do. 
I called back Monday morning and I knew it was all wrong. They wouldn't answer the phone. But when I would call from a different phone they would answer. They continued to give me the run around, saying " the funds have been released, it could take to the end of the business day to process on your end ". 

At this point I called CashApp and they let me know that all {$5000.00} was gone and they closed down my CashApp like it never existed. 

Luckily I took screenshots of everything. When I finally opened up my XXXX I could see the transactions and I could even see a bank account and routing number, with a debit card number, none of which were owned by me. 

But CashApp " investigated '' and came back with a decision to close my case because I authorized it to happen. 

The CashApp operator even told me that this is a common problem they are having. 

There is no one to talk to about this decision. I have tried calling multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
Experina won't remove old addresses pf my account which put me at risk of identity theft because I no longer or can receive mail at those addresses anymore. People at these residences have access to my confidential mail with social and other things on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
Upon checking my credit report this morning, I was surprised to see incorrect accounts listed, and I don't understand why they appeared. I refreshed my browser hoping it was just a display issue, but the discrepancies remained. Therefore, I am asking for a thorough examination of the documents I've submitted so that this problem can be permanently resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
On XXXX someone fraudulently used my Amazon credit card to order 4 folding chairs from a seller XXXX. I received a request to rate my experience with the seller on XXXX and sent a response that I did not order the chairs and received a message back that my review had been deleted. On XXXX, I checked my order history with Amazon and the chairs were not in my order history so I thought whatever error had been made had been corrected. When the charge remained on my XX/XX/year> billing statement I contacted Amazon and filed a dispute. On XXXX I received a letter stating that my dispute had been denied. I then contacted identitytheft.gov and my local sheriffs office to develop a plan to contest the decision. I provided the fraudulent address and phone number for the delivery of the merchandise to both Synchrony Bank and the Sheriffs office. This address is in XXXX NY. I advised Synchrony bank that I did not live in nor did I know anyone who lived in XXXX NY nor did I authorize anyone to use my Amazon Credit Card. I stated if they checked my history, they would see my orders were usually sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX I received another letter denying my dispute stating that I authorized, participate in, or benefited from the purchase. That payments have been made to the account and the account had been open for more than 12 months. Yes I opened the account, yes I have made payments for items I have ligetimately ordered. But I did not authorize, participate in or benefit in any purchase delivered to XXXX NY! Where is the proof? Where are the pictures of the delivery? Where is the signature? I respectfully request your help in resolving this matter. - 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 2025-04-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the The above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-04-28 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.
State: LA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-28 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: MD

Complaint narrative:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-28 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.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear [ Credit Reporting Agency Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being 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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I cant open no bank account.an if I open an bank account with any financial institution they close it few weeks after because of XXXX XXXX XXXX XXXX, so I would like them to remove me off there system immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-28 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:
I am writing regarding this on going issue I am having between Equifax and the fraudulent XXXX Bank account that keeps reappearing on my credit report in error even after being previously removed over XXXX times. For starters, I am an identity theft victim, as well as my personal information has been exposed in the Equifax data breach. Equifax is already aware of that and have a current data breach claim on file with the reporting agency, as well as they have been supplied with police reports, and FTC reports, for the numerous accounts that have appeared on my credit report without my permission and knowledge, as far back as XXXX when I discovered my identity was stolen. The XXXX Bank account for {$3800.00} Account XXXX XXXX reporting as a charge off is appearing back on my report in error even after I was told numerous times from various Equifax staff and managers that the fraudulent account would be blocked from reporting on my file since sufficient evidence have been submitted. In addition XXXX Bank has written this debt off on their XXXX tax return as a loss, yet in XXXX even after being made aware the nature of the account still is trying to collect on a fraudulent debt they have already received tax credit for. I have also tried to reach out to XXXX Bank directly to resolve this issue and it has never been resolved. After research Equifax has not conducted a proper investigation. Under 15 USC XXXX ( governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by credit reporting. ) Equifax has refused to uphold this. Equifax is over looking my fraud alert, police, report, Ftc reports on file, and data breach claim, and taking the fraudulent account statements from the charges made without my knowledge on the XXXX  account, as proper supporting documents over the constant legal proof they have been provided with. It is not morally fair or right that Equifax has previously removed this fraudulent XXXX Bank account yet not permanently block the account from continuing to re-appear on my credit file in error. I am DEMANDING for this account to be REMOVED AND PERMANENTLY BLOCKED FROM MY CREDIT FILE WITHIN XXXX BUSINESS DAYS OR LESS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

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. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) for deceptive and misleading reporting.

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