vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX bal. {$4300.00} XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX BA bal. {$0.00} XXXXXXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX bal. {$6200.00}

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AK

Complaint narrative:
Unauthorized transactions No live person to talk to with customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
Collection agency Fair collections and out. Has no ( forward flow agreement ) no original signature stating that I have business with them, they cant produce any payment 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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Credit Report - In general, the Bankruptcy Court does not control the actions of credit reporting agencies. Debtors must directly contact credit reporting agencies to discuss how long a bankruptcy case remains on a credit report. If debtors have questions about this or have problems gaining cooperation from credit agencies, a debtor may contact the Federal Trade Commission, XXXX XXXX XXXX ( XXXX ), XXXX, XXXX XXXX XXXX The telephone number is ( XXXX ) XXXX. Here are general rules : Improper Involuntary Bankruptcy Case - If a party has improperly filed an involuntary bankruptcy petition against a debtor, the bankruptcy court may enter an order prohibiting credit reporting agencies from reporting the bankruptcy on the debtor 's credit report.

Voluntary Bankruptcy Case - The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after ten ( 10 ) years from the date the bankruptcy case is filed. Generally, bad credit information is removed after seven ( 7 ) years. The larger credit reporting agencies belong to an organization called the Associated Credit Bureaus. We are informed that the policy of the Associated Credit Bureaus is to remove successfully completed XXXX XXXX cases from the credit report after XXXX ( XXXX ) years to encourage debtors to file under this chapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate and unverifiable information on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). Per 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a proper reinvestigation of disputed accounts, ensuring all information is accurate, complete, and verifiable.

The following account ( s ) contain inaccurate or unverifiable information and must be permanently deleted from my credit report : XXXX XXXX XXXX As a result of these inaccuracies, I have experienced high interest rates, loan denials, and financial hardship. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain procedures to ensure maximum possible accuracy. Failure to do so constitutes negligence and non-compliance with federal law.

Additionally, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a proper investigation and correct or delete information that can not be verified. If these accounts are not removed due to failure to verify their accuracy, this will be considered willful noncompliance per 15 U.S.C. 1681n, entitling me to damages. 


I demand an immediate and thorough investigation into these accounts and request their permanent removal from my credit file if they can not be verified within 30 days as required by law. Please provide me with written confirmation of the deletions or the results of your investigation.

Thank you for your prompt attention to this matter. I expect a response within 30 days as per FCRA guidelines. Failure to comply may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was part of the XXXX XXXX breach and social Security data breach and a few others I have been informed about since then I have been trying to get things that should not be on my credit off especially third parties. I have no consent or contract with. I am the creditor also secured party. I have corrected my status. I have free faith and credit from United States America, the US corporation assumes no responsibility over my person. I also have no contract with XXXX, Experian, XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX and other credit reporting services. According to the constitution.

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc ). Due to inadequate customer service and unfair practices, which violates 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 regulations 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 2025-02-09 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: Nelnet, Inc.
State: GA

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I previously submitted disputes in regards to dispute w cfpb under dispute number XXXX. You all messaged me wanting to give company another 30 days to totaling more than 60 days for them to come up with paperwork hey have not been able to provide me with for 6 months. But now with the additional time given they will have an extra month to prepare items they have NOT had period since they stated collecting on this and since it appeared on my credit. You all are not trying to help me as a consumer my attorney and I have come to the conclusion you are trying to give them more time because you stay in business due to the bad practice by these companies. I will be filing suit and will litigate this. Its is in dire need that this be deleted NOW : not in another 30,60 days. This is ridiculous. Experian and Equifax have not investigated this pand openly in 6 months and now you are giving them additional time to create documents. The how is highly illegal. I requested by law for it to be removed from all my credit report immediately!!!!!

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In late XXXX XXXX, purchased laptop for approximately {$2400.00} using Best Buy Credit Card under deferred interest promotion. Made regular payments during promotional period. After promotional period ended, a large deferred interest charge at 30.99 % APR was applied to the account. 

Payment history demonstrates consistent effort to maintain account : - Total payments made : {$1200.00} ( including {$280.00} in XX/XX/XXXX ) - Interest charges accumulated : {$740.00} in XXXX - Late fees assessed : {$320.00} ( 8 fees at {$41.00} each ) - Despite paying {$1200.00}, current balance remains approximately {$2600.00} Recent account timeline : - XX/XX/XXXX : Made payment of {$82.00} - XX/XX/XXXXXXXX  : Payment reversed without clear explanation - Account subsequently closed despite payment history Key concerns : 1. Unable to access complete statement history online - only XXXX statements visible 2. No clear explanation provided for : - Exact deferred interest calculation - How payments were applied during promotional period - Recent payment reversal - Account closure decision 3. Charges and fees creating cycle where payments primarily go to fees/interest : - 89.4 % of payments ( {$1000.00} of {$1200.00} ) went to fees/interest - Only {$120.00} applied to principal 4. Monthly interest charges consistently high ( $ XXXX per month ) despite regular payments Request review of : - Original promotional terms and disclosures - Payment application methodology - Interest calculation accuracy - Account closure justification - Late fee assessment

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 2025-02-09 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: NJ

Complaint narrative:
Was a victim of Identity Theft Involving ( 3 ) Data Breaches year ( XXXX XXXX XXXX XXXX XXXX XXXX  ) These accounts have been previously deleted, removed then returned. 
Please check the information concerning the Equifax Data Breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I placed an order with an XXXX vendor for a total amount of around {$1200.00}, but the products have not been delivered. I have made multiple attempts to resolve the issue directly with the vendor, including contacting them via XXXX messages on only a few but not all of the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite my repeated efforts, the vendor has not provided a solution or meaningful response. I also reached out to the shipping company multiple times but was told that the issue falls outside their grace period and they are unwilling to assist further. 

I have filed several disputes with American Express, including filing for a refund due to the failure to deliver the products, but no resolution has been reached, and the disputes have not been resolved in my favor. I am now requesting further action to resolve this matter. 

As per the Fair Credit Billing Act ( FCBA ), I am entitled to dispute the charge when there is a failure to receive the products as agreed. 

I have all relevant documentation and proof of my attempts to resolve this issue, including communication logs with the vendor and shipping company. I have proof on my camera that nothing was delivered. Nothing was also signed by me. These are all facts. Should I not receive a satisfactory resolution, I am prepared to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX 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 2025-02-09 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX stated balance {$1300.00} This account is a fraudlent account that i did not open and the credit failed to review investigat and validate the accuracy and ownnershiop of this account, This is not my account

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 2025-02-09 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: GA

Complaint narrative:
XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX stated balance {$1300.00} This account is a fraudlent account that i did not open and the credit failed to review investigat and validate the accuracy and ownnershiop of this account, This is not my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: NV

Complaint narrative:
Collection agency Fair collections and out. Has no ( forward flow agreement ) no original signature stating that I have business with them, they cant produce any payment information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. Has no ( forward flow agreement ) no original signature stating that I have business with them, they cant produce any payment 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 2025-02-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Requested a 1099C from Company and didn't receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Allow 3rd party negotiations.

Agreement sold to 3rd sell to company

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 2025-02-09 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: IL

Complaint narrative:
Data Breach of my information. Therefore my credit report has been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am writing to formally file a complaint concerning a recent data breach that has adversely affected my financial accounts and led to delayed payments. Due to this breach, unauthorized parties gained access to my personal information, which disrupted my ability to manage my accounts and hindered my ability to make timely payments. The data breach has not only compromised my personal and financial security but has also caused me significant inconvenience and stress. I am requesting immediate action to address these issues, as well as additional information on any measures being taken to secure my accounts and prevent further disruptions.

Company response to consumer: Closed with explanation