vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
b"On XXXXXXXX XXXX XXXX, I discovered this collection account on my credit report without ever receiving proper notice at my current address. The collection agency failed to send required validation notice to my correct residential address where I have lived since XXXX XXXX XXXX XXXX XXXX sent a certified mail dispute letter requesting debt validation and citing the improper notice issue. The letter was sent via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX to ensure proper delivery and create a paper trail.\nHowever, the collection agency has refused to accept delivery of my certified dispute letter. According to USPS tracking, the letter has been available for pickup at their local post office since XXXX XXXX XXXX  but they have not retrieved it. This appears to be a deliberate attempt to avoid receiving my dispute and validation request.\nUnder the Fair Debt Collection Practices Act, I have the right to dispute debts and request validation. The company's refusal to accept proper service of my dispute letter violates my consumer rights and appears to be bad faith conduct. They cannot pursue collection activities while simultaneously refusing to accept my dispute correspondence.\nI am requesting that the CFPB investigate this company's practices of: 1) Failing to provide proper notice to consumers' correct addresses, 2) Refusing to accept certified mail containing consumer disputes, and 3) Continuing collection efforts while avoiding proper service of dispute letters."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
I was called saying that I owed a debt to the attending XXXX  at XXXX XXXX and the lady said that the hospital and the attending XXXX  work on different pay and I was audited and if I do not pay {$800.00} legal action will be taken against me and have to go to court

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I tired to do an atm withdrawal on XX/XX/XXXX @ XXXX for {$820.00} ( everything is on camera at the bank ) I didnt re a receipt. But the atm didnt give me my cash and had an error sign saying the transaction didnt go through but it took the money out of my account I have conversations with cash app and they said I need to wait XXXX days until the investigation goes through .. this is my rent money I just got a XXXX days notice saying I need to pay or get out.. I have XXXX kids at home that depends on me I cant have them in the streets this world is hard enough

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/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 explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
Upon checking my credit report, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable and accurate investigation of disputed information on my credit report, leaving inaccurate, unverifiable, and obsolete items and accounts on my credit profile unresolved. The Credit Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, reporting inaccurate and outdated information on consumer credit profiles and failing to adequately notify of dispute outcomes. These failures align with my current experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided with live representatives and dispute letters, causing ongoing harm to my current credit standing which ultimately has negatively impacted my livelihood. I have been denied for personal and business funding, auto loans, mortgages, and credit cards due to the negligence of Experian. I am requesting IMMIDIATE CORRECTTIVE ACTION TO REMOVE AND AMEND of all accounts highlighted in the dispute letters that currently reflect on my credit profile for Experian as Experian 's inaction violates the federal law and my rights as a consumer. 

- ALL NEGATIVE CLOSED ACCOUNTS- ALL HARD INQUIRIES- ALL OUTDATED PERSONAL INFORMATION ( old names, phone numbers, addresses, and previous employers )

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 2025-07-09 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-09 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX FL XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$56.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: TN

Complaint narrative:
I am trying to stop the payments and get in a payment plan. They are refusing to stop the payments and they are refusing to setup a payment plan. I took these loans out and they are taking all money. If I borrow {$500.00} or {$600.00} and repay they will take me down to {$200.00} or {$300.00} for no reason and it has caused me to take out other loans and has called me to have payday loan debt that is out of hand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I refused to pay a debt via CFPB in or around the past few months of XXXX, from XXXX XXXX XXXX that a debt collector called National Credit Systems attempted to collect due to the balance they were trying to collect being materially misleading. In spite of my refusal, the debt collector contended, insisted, and continues to overreach its authority in collecting regardless of its limitations issued by the Fair Debt Collection Practices Act sect. 1692c ( c ). It boldly insisted on collecting regardless of knowingly violating the law. I provided case law and federal law informing the debt collector of its limitations. Specifically, that when a consumer issues a " refusal to pay '' in writing, the debt collector is required to cease all communication. This includes credit reporting because multiple courts have ruled that credit reporting is a medium for collection attempts and communication to the consumer regardless of reporting for accuracy. This continued and forced attempt to collect has been abusive, harassing, and oppressive. A direct violation of the FDCPA. I am anxious of the collection agency 's rebellion and coercive insistence on doing what it wants opposed to doing what's required by federal law. National Credit System 's procedural behavior has been both unprofessional and reckless. National Credit Systems is liable under the FDCPA for violating my rights and forcing collection attempts by way of leveraging my personal information via credit reports with the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rubin & Rothman, LLC
State: NH

Complaint narrative:
A physical agreement was supposedly sent to me in XX/XX/XXXX that was requiring a signature and to be sent back to Rubin & Rothman , LLC. I did not receive said agreement, nor did I know about it until I got a phone call on XXXX @ XXXX saying that they were attempting to serve me. I have made automatic payments to them every month since XXXX, I have the receipts from these payments. I have followed up with Rubin & Rothman , LLC. on the following occasions : XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX @ XXXX XXXX @ XXXX Each call has ended with being told to call back in XXXX business days and to wait for the agreement to be received. I have received my receipts from them every month without fail, so Im failing to see why the agreement hasnt shown up? 
I have done my due diligence in attempting to resolve this issue and have no idea where to go from here.

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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and, during that time, had no access to the outside world or ability to manage my financial obligations. As a result, I was unable to make payments, contact creditors, or cancel any existing accounts or services. when it comes to my debt of XXXX with credit collection services from progressive auto insurance it should not be so high before my incarceration my monthly policy payment was about XXXX so at the most it should be XXXX XXXX and they should have canceled the policy after about a month due non payment. last I was told they wanted proof of my address but how could I provide proof if I was locked up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 explanation
Consumer complaint received 2025-07-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX - Account Number XXXX XXXX * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-07-09 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor. 
3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX Account number : 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 2025-07-09 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: LA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Formal Dispute Request for Deletion of Unverified and Inaccurate Account Account Name : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Status : Charge-Off Balance Reported : {$13000.00} To Whom It May Concern : I am formally disputing the above-referenced account as reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am requesting a full reinvestigation into the reporting and verification of this account. Specifically : XXXX. Inaccurate charge-off details and failure to verify original terms ( 15 U.S. Code 1681e ( b ) ) 2. Lack of sufficient original documentation ( 15 U.S. Code 1681i ) 3. Continued reporting despite dispute ( 15 U.S. Code 1681s-2 ( a ) ( 3 ) ) Demand for Immediate Action : I am requesting that this account be : - Deleted in its entirety from my credit profile across all reporting agencies unless complete verification can be provided ; - That the results of your investigation, along with the name and contact information of any party who verified the information, be returned to me within 30 days per FCRA guidelines ; - That you provide a copy of my updated credit report showing this change. 

Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General, and I will consider pursuing legal remedies under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX SSN : XXXX Report Date : XX/XX/XXXX

Company response to consumer: Closed with explanation