vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: Chime Financial Inc
State: FL

Complaint narrative:
CHIME FINANCIAL INC Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Record details Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please investigate and correct or delete any inaccurate, incomplete, or unverifiable information. If you can not verify the accuracy of these items within 30 days, they must be removed from my report per federal law. 

2. Debt Validation Request ( 15 U.S.C. 1692g ) If you are attempting to collect any debt from me, I request full validation of the alleged debt, including : Proof that I owe the debt, including a signed contract or agreement A detailed accounting of how the amount was calculated Proof that you are legally authorized to collect this debt The original creditors information Under 15 U.S.C. 1692g, you must cease collection efforts until proper validation is provided. If you can not validate this debt, you must remove it from my records and cease all communication. 

XXXX. Cease and Desist Communication ( 15 U.S.C. 1692c ) If this debt is not validated, you are hereby notified to cease and desist all further communication with me, except for official legal notices. Any further harassment or unlawful collection attempts will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

4. Unauthorized Credit Inquiries ( 15 U.S.C. 1681b & 1681m ) I have also noticed unauthorized inquiries on my credit report. Per 15 U.S.C. 1681b, you are required to have permissible purpose before accessing my credit file. If you accessed my report without authorization, this is a violation of federal law.

I request the following : The reason for each hard inquiry on my report The name of the entity that authorized the inquiry Removal of any unauthorized inquiries Final Notice & Legal Action Warning If these requests are not addressed within 30 days, I will exercise my rights under the FCRA and FDCPA, including filing complaints with the CFPB, FTC, and state regulatory agencies, and pursuing legal remedies. 

I expect a written response confirming compliance with my requests. Failure to comply will be considered a violation of my rights and subject to penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Hi, I was trying to start getting my credit back on track and was receiving emails and calls about a debt ( s ) that Resurgent Capital Services was collecting on. I called them back to start clearing my debt ( s ), the representative asked for my social security number ( I provided it to them ) and they pulled up " my '' accounts so I thought. I asked them to make certain that it was my social security number and they verified that it was. I proceeded to pay the {$740.00} XXXX XXXX account and they emailed me the payment processed and paid receipt. I recently pulled my credit report and Capital XXXX is still reflecting on my bureaus, I called XXXX XXXX and they informed me that I had a balance of only {$93.00}. I called Resurgent Capital Services and was informed that they misapplied the funds with someone of the same name and different social security number and address. I had this conversation with them in XX/XX/year>, when I called back they informed me that they had mailed me my refund check on XX/XX/year>, I had been calling weekly to inform them that I have not received my refund as I do not have any open accounts with them because all of my accounts were paid. I called on XX/XX/year> and was informed that it was sent to back office to call back in 45 days. I asked them why is it in back office when I was informed that it was mailed already and it has been beyond 45 days because I initially called back in XX/XX/year>. I feel as though they are giving me the run around and do not want to give me my money back that they applied to someone else 's account. My balance was only {$93.00} and not {$740.00} and it was not being collected on by Resurgent. I informed them that IF they had indeed mailed it is would have been here by now. The incorrect account that they applied my money to is Resurgent Account ID : XXXX. I just want them to send me my refund as they stated that they had and stop reading notes off a screen in which I feel as though they are saying to tell me that to keep me from calling and maybe forgetting that they owe me. If I had collections they should know that I don't have extra money lying around. They already have verified all my information and payment method and now they are lying about sending me my refund back because of THEIR payment posting error.

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

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-04 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-04 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my secured credit card account ( ending in XXXX ) and other credit card accounts without proper cause and refuses to redeem rewards points worth approximately {$500.00}. 
- My XXXX credit report ( attached ) confirms the account was in good standing with no missed payments. 
- The card agreement ( provided ) does NOT state rewards are forfeited upon closure. 
- BofA is withholding rewards unlawfully. 
This is causing severe financial and emotional distress. I demand immediate resolution.

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 2025-04-04 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:
Dear Experian Dispute Department, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, I am formally disputing the late payment information reported for the account referenced above. I am requesting immediate correction or removal of the inaccurate payment history codes in accordance with Metro 2 Format Guidelines.

Late Payment Codes in Violation of Accurate Reporting : The following payment history codes are being inaccurately reported on this account : Date Disputed Status Code Explanation 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  Entirely disputed as false Applicable XXXX XXXX Codes : Compliance Condition Code XB Consumer disputes, reinvestigation required.

Special Comment Code AC Account closed at consumers request ( if applicable ).

Account Status Code 11 Current, paid as agreed ( what should be reflected ).

Payment Rating 0 No history of late payments ( requested correction ).

Consumer Information Indicator E Dispute resolved, consumer disagrees ( if not corrected ).

As per Metro 2 reporting standards, furnishers must not report unverifiable or inaccurate data, and all payment history should accurately reflect the consumers payment behavior. 
I request a full reinvestigation and the immediate deletion or correction of the payment history for the dates listed above. If the furnishers can not verify these delinquencies with proper documentation, they must be removed under FCRA. 
Failure to comply within the required timeframe will result in escalation to the CFPB and FTC for non-compliance. 

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: MI

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal loan account opened at XXXX on XXXX XXXX under the account number ( XXXX ). I do not recognize the aforementioned account as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.The aforementioned account, is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.

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 2025-04-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-04 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I'm really concerned about my PSLF for my student loans. I went for my medical laboratory technician degree from XXXX and worked for non profits my whole career XXXX until present. When I first learned about XXXX which was never advertised to XXXX XXXX or XXXX, I applied for XXXX. I was told none of my payments counted because I was put on the graduated plan automatically. I got changed over to XXXX and was told my payments would just start counting them. I was upset that I was just starting because of this technicality. Then, Biden helped out and I was able to have previous payments count around XXXX. I was upset because my first XXXX jobs from XXXX, I worked full time but was part time in the computer so I was not able to get that time to count, but it was at least determined that I had 115 out of 120 payments. So, finally, I was close to some help. But, everything has been on hold for about 2 years because of all the dumb lawsuits. I have not made payments towards PSLF because they wouldn't count. I'm 5 payments away from forgiveness for my earliest loans but frustrated because even if I make payments they won't count. Now, Trump is trying to get rid of PSLF and I'm terrified. I could have several XXXX taken from my balance in 5 payments but he could be getting rid of it. I'm so scared because I already can't afford my payments if they get their way from when I went back for my bachelor 's XXXX. That was about XXXX but I needed the pay raise just to live with my mortgage and cost of living. The only thing that was getting me by was the thought that my payment would hopefully be under XXXX dollars ( which is unaffordable for me anyway with my mortgage, car, and other debt ) and that I had 5 payments until some was forgiven. Again, I'm so terrified the rug is going to get pulled out from under me when I've worked my whole career since XXXX in public service. That should be illegal to let people think they have forgiveness at 10 years, then take it away. I'm so close, but they're trying so hard to take it away. This whole thing is so wrong and I don't see how this can be allowed. I can't even get through to talk to a person with the department of education with all the layoffs-the wait is hours long. How is all this okay???

Company response to consumer: Untimely response
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I do not know why XX/XX/XXXX reported me late my account has always been on auto pay since I started never removed it was a mistake on there end so they need to fix this. I have reached out several times and now XXXXm forced to take legal action if they dont remove this late payment from my credit

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