vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Credit collection services reported that was open with them XX/XX/XXXX, XXXX and I have no knowledge and they do not have me on any contractual agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit bureaus experian, XXXX, have been violating 15USC 1681 IA1, 15USC 1681IA6B3, 15USC 1681 IA 5B. I would like all of these deleted from 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BILL.COM, LLC
State: NV

Complaint narrative:
Dear CFPB Representative, I am writing to formally file a complaint against Bill.com and one of its employees, XXXX XXXX, who is involved in their fraud investigations department at the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

For the past two years, I have been subjected to continuous online harassment, defamation, and stalking by XXXX XXXX. This harassment has extended beyond professional matters and has become personal, violating both my privacy and my rights. Specifically, XXXX XXXX has : Stalked my social media accounts, including XXXX and XXXX ( formerly XXXX ). 

Defamed me in XXXX XXXX chats under the alias " XXXX '' on XXXX, an account linked to his phone number ( XXXX ). 

Repeatedly requested money from me over a small unpaid debt in a manner that constitutes harassment. 

Contacted my family members in inappropriate and XXXX formats. 

Submitted online contact forms to harass me about my deceased father.

Posted my mothers address on the internet, endangering her safety.

This sustained harassment over a period of two years has caused significant emotional distress, reputational harm, and security concerns for both myself and my family. The actions of XXXX XXXX, while under employment with Bill.com, have crossed the line from debt collection into outright intimidation, privacy violations, and defamation. 

I have gathered extensive documentation supporting my claims, including records of online interactions, defamatory posts, and communications that will be submitted as evidence in my forthcoming lawsuit. I will be listing both Bill.com and XXXX XXXX as defendants in my legal action. 

Given the severity of this issue, I am requesting that the CFPB investigate Bill.coms handling of debt collections, employee conduct, and potential breaches of consumer protection laws. Furthermore, I request that XXXX XXXX be held accountable for his actions, which have gone far beyond the scope of any legitimate financial dispute. 

I appreciate your prompt attention to this matter and look forward to your response. Please let me know if any additional information is required to facilitate your investigation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: OK

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have been trying to get in contact with customer service with Cash App and nobody is ever available. My money has been taken for my account and I cant talk to anybody to get this problem solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - {$0.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
ATM withdrawal XX/XX/2024 at XXXX {$1000.00}. Money never dispensed from atm was told to contact my financial institution. Cash app never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LEXISNEXIS
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XX/XX/year> LEXIS NEXIS Consumer Center Attn : State Privacy Act Request XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX, 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I was alarmed to see an unauthorized inquiry on my credit report, and I have no clue why its there. I check my report regularly, and today, I found unexplained discrepancies that shouldnt exist. I even refreshed my browser in hopes of fixing it, but nothing changed. I am beyond frustrated and demand that my documents be properly reviewed so I no longer have to stress over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Bright Capital Inc
State: IL

Complaint narrative:
Bright Money withdrew {$39.00} from my bank acct. without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
My son, XXXX XXXX, passed away on XXXX. JPMorgan Chase calls me daily asking for XXXX wanting to collect his debt. I have repeatedly informed them XXXX has passed away. They notify me the account has been updated. But days later the calls continue. XXXX estate was fully dissolved as he had no meaningful assets. They have been informed about this. It is hard to grieve when firms like JP Morgan continue to harass me multiple times per week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX - XXXX - {$270.00} XXXX XXXX XXXX - {$300.00} XXXX - XXXX - {$1400.00} XXXX - XXXX - {$300.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX You said : Write a short brief description about how equifax, XXXX and XXXX not looking into validating accounts in regards to the lawsuit XX/XX/XXXX said : XXXX Equifax, XXXX, and XXXX, the three major credit bureaus, have faced lawsuits alleging that they failed to properly investigate and validate disputed accounts. Consumers have claimed that these bureaus continued to report inaccurate or fraudulent information without conducting thorough investigations, violating the Fair Credit Reporting Act ( FCRA ). The lawsuits highlight systemic issues where automated processes and lack of human review led to wrongful credit damage, financial hardships, and denied credit opportunities. These cases emphasize the need for stronger consumer protections and accountability in credit reporting practices. 





You said : Add me in there as a victim of this XXXX said : Youre giving feedback on a new version of XXXX. 
Which response do you prefer? Responses may take a moment to load. 
XXXX Response 1 Equifax, XXXX, and XXXX, the three major credit bureaus, have faced lawsuits for failing to properly investigate and validate disputed accounts. As a victim, I have personally experienced the frustration of these bureaus continuing to report inaccurate or fraudulent information without conducting a thorough review. Despite my efforts to dispute these errors, they failed to take the necessary steps to correct my credit report, causing financial hardship and obstacles in obtaining credit. These lawsuits highlight systemic issues where automated processes and lack of human oversight have led to wrongful credit damage, underscoring the urgent need for stronger consumer protections and accountability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: AZ

Complaint narrative:
XXXX You said : Write a short brief description about how XXXX, XXXX and experian not looking into validating accounts in regards to the lawsuitXX/XX/XXXX said : XXXX XXXX, XXXX, and Experian, the three major credit bureaus, have faced lawsuits alleging that they failed to properly investigate and validate disputed accounts. Consumers have claimed that these bureaus continued to report inaccurate or fraudulent information without conducting thorough investigations, violating the Fair Credit Reporting Act ( FCRA ). The lawsuits highlight systemic issues where automated processes and lack of human review led to wrongful credit damage, financial hardships, and denied credit opportunities. These cases emphasize the need for stronger consumer protections and accountability in credit reporting practices. 





You said : Add me in there as a victim of this XXXX said : Youre giving feedback on a new version of XXXX. 
Which response do you prefer? Responses may take a moment to load. 
XXXX Response 1 XXXX, XXXX, and Experian, the three major credit bureaus, have faced lawsuits for failing to properly investigate and validate disputed accounts. As a victim, I have personally experienced the frustration of these bureaus continuing to report inaccurate or fraudulent information without conducting a thorough review. Despite my efforts to dispute these errors, they failed to take the necessary steps to correct my credit report, causing financial hardship and obstacles in obtaining credit. These lawsuits highlight systemic issues where automated processes and lack of human oversight have led to wrongful credit damage, underscoring the urgent need for stronger consumer protections and accountability

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute an account listed on my credit report that is completely unknown to me. This account does not belong to me, and it appears to be a case of mixed data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I have been disputing an account with XXXX regardingXX/XX/XXXXa debt collector for IndigoXX/XX/XXXX since XX/XX/XXXX2024. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as a fraud based on identity theft and provided the FTC report with a letter of dispute sent to XXXX XXXX XXXX debt collector to Indigo XXXX XX/XX/XXXX to which I never received a response. I resubmitted the dispute because the year this account was opened, I was incarcerated with the Texas XX/XX/XXXX XX/XX/XXXX at XX/XX/XXXXfrom XX/XX/XXXX. My release date was XX/XX/XXXX, 20024. I provided the release documents provided to me by the facility 's warden when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX and XXXX XXXX XXXX a debt collector for Indigo XXXX XX/XX/XXXX are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was incarcerated. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
According to the FCRA ; this creditor has violated my rights under the 15 USC 1681 section 602 sates I have a right to privacy, 15 USC 1682 604 Section 2 ; it states a consumer reporting agency can't furnish an a. Pint without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account an open and consumer credit plan as late for any purpose.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MD

Complaint narrative:
The company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this was actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has continued to harass. They are sending threats to default and that is not necessary because we are set to go to court in the fall of 2025.The judge set a date for us to go back to court because I wasnt properly served by them. I went to the courthouse because theyve sent me several of letters in the mail while we are awaiting to see a judge, and the clerk explained that they should not be sending any letters in the mail because we are waiting to be heard by a judge. I am overwhelmed with the amount of harassment I am getting from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XX/XX/XXXX- XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief