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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding a debt collection practice that I believe violates 15 U.S. Code 1692g. I request your assistance in investigating this issue and helping me resolve it.

I received a collection notice from the collection agency identified above, and I believe the agency has violated my rights under 15 U.S. Code 1692g, which mandates that a debt collector must : Provide written verification of the debt if requested within 30 days of receiving a notice.

Provide proper validation and proof of the debt.

Violation ( s ) : The collection agency failed to provide verification of the debt despite my formal request for validation. 
The agency did not properly inform me of my right to dispute the debt within 30 days, as required by law. 


I have already contacted the collection agency on [ date ], requesting validation of the debt. To date, I have not received any response or evidence to verify that this debt is valid or even mine. 
I request that the CFPB assist in investigating this matter and take action to ensure the collection agency is complying with the law, specifically 15 U.S.C. 1692g. If this issue is not resolved and the collection agency fails to validate the debt, I also request the removal of the collection account from my credit report. 

I have enclosed copies of all relevant correspondence, including my request for debt validation and any responses received. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely,

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not verified or wet signature either of the following hard inquiries thats reporting on my credit. I have reached out to these companies and they have no knowledge of who I am. Im not sure whats going on and my credit bureaus are no help I have constantly been on the phone trying to remove these inquiries

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 

XXXX XXXX XXXX Account Number # XXXX ( XXXX ) - 30 Day Late Payment XXXX to XXXXXXXX XXXX XXXX  AccountcNunber # XXXX ( XXXX ) - 30 Day Late Payment XX/XX/XXXX - XX/XX/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: Problem with fraud alerts or security freezes — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I received my XXXXXXXX XXXX  credit card statement, it read {$390.00} balance. So I made a {$150.00} ; payment, because I had damage to my home because of the XXXX XXXX on XX/XX/XXXX. I couldn't pay the minimum payment of XXXX. The charged me XXXX fees. There business practice are not right. They are not considering any assistance for my hardship. They continue to impose very high fees. Please help me to review there business practices to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I am filing this complaint against Citi Bank due to their failure to honor the statement credit benefits associated with my CITI / AADVANTAGE EXECUTIVE CARD. Specifically, I did not receive the {$10.00} statement credit per billing cycle for my eligible XXXX purchases in XXXX, XXXX, and XXXX of XXXX, despite making qualifying purchases. 

Last four digits of the card : XXXX Additionally, Citi Bank has been unresponsive in resolving this matter after multiple contacts. I believe this violates the Truth in Lending Act ( TILA ), False Advertising laws, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations due to their misleading promises and failure to deliver advertised benefits. 

Details of the Issue : My credit card promises a statement credit of up to {$10.00} per monthly billing statement ( for a total of up to {$120.00} every 12 monthly billing statements ) for eligible purchases made through XXXX. However, despite making eligible purchases in three separate months, I did not receive the statement credit. 

Transactions : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$11.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$19.00} Attempts to Resolve the Issue : I contacted Citis customer support via chat on multiple occasions, including : XXXX of XXXX XXXX of XXXX  On both occasions, I was assured that Citi was aware of the issue and that my account would be credited in the next billing cycles. However, as of XXXX XXXX, I have not received the missing credits. Citi has failed to follow through on their commitments. 

Unjustified Annual Fee Charge : Despite Citis failure to provide the advertised benefits, I was still charged the {$590.00} annual fee on XX/XX/XXXX. Given that the services and benefits were incomplete, I find it unfair to be charged the full annual fee. The fee should reflect the actual quality of service provided, which in this case was partial and unsatisfactory. 

Legal Grounds for Complaint : 1. Violation of the Truth in Lending Act ( TILA ) & Regulation Z Citi failed to clearly disclose accurate benefits and honor the advertised terms of the credit card.

2. False Advertising Citi promotes this benefit on their website ( XXXX XXXX XXXX  ) but does not deliver on it.

3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Citi is engaging in misleading and unfair practices by advertising a benefit, failing to provide it, and then delaying or ignoring customer complaints.

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 monetary relief
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: GA

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 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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
Sezzle , Inc. which I had used several times in past years, had an aprobar allotment for me to spend on their app. Of XXXX. This is an app that allows you to make purchases ahead of time while paying up fromt one of 4 equal payments at a later time. On XXXX this turned into a nightmare. I tried to order a XXXX XXXX for a gift with a 1st payment of XXXX with supposedly XXXX to be paid in XXXX. The app was not operating as it had in the past so the transaction never processed. I tried calling customer XXXX & there were no available reps. I tried chatting to no avail. So I gave up. I noticed, however, that they had charged me XXXX 3 TIMES! I called my bank & asked the bank to request refunds. They started randomly charging my XXXX XXXX for different amounts & have placed derogatory info on my credit. They tried to XXXX me to buy a gift card for XXXX for which I have no use bc the XXXXXXXX XXXX are no longer available at Nordstroms. The banks are handing it as fraud. I need this removed from my credit asap, How can they charge me for a so-called gift card that I NEVER asked them for? Please let me know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XX/XX/XXXX XXXX*Credit Bureau Name** ( XXXX, XXXX, XXXX ) XXXXDispute Department Address** **Subject : Formal Dispute of Inaccurate Credit Report Entries** To Whom It May Concern, I am writing to formally dispute the following inaccurate, unrecognized, or fraudulent accounts listed on my credit report. I request a full investigation and immediate removal of these items under the Fair Credit Reporting Act ( FCRA ) : 1. **CBE Group {$2200.00} ( Opened XX/XX/XXXX ) ** - I have never resided at the address linked to this account. During this time, I lived in Kentucky, and I have documentation ( e.g., lease agreements, utility bills ) confirming my residence there. This debt is not mine. 

2. **CBE Group XXXX XXXX  - I have no knowledge of this alleged debt. It may be tied to my late fiancs accounts, but I am not responsible for their obligations. 

XXXX XXXX XXXX  $ XXXX - I paid all fees and fulfilled my lease obligations before vacating the apartment. This account inaccurately reflects an unresolved balance. 

4. XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX - I have never taken out a loan or had any financial relationship with this institution. This entry appears fraudulent or misattributed. 

5. **XXXX XXXX XXXX - I have never opened a XXXX account or used their services. The associated phone number and account are unfamiliar to me. 

6. **XXXX XXXX XXXX - I paid {$50.00} into this account, which was subsequently closed. No remaining balance should exist. 

**Request for Action : ** - Please investigate and remove these items immediately, as they are either errors, fraudulent, or unverified. 
- Provide written confirmation of the investigation results and an updated credit report. 
- If these accounts are verified, furnish documentation proving my liability ( e.g., signed contracts, transaction records ).

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: FL

Complaint narrative:
Experian had reinserted two accounts back on my credit file from XXXX XXXX  account numbers ( XXXX ) and ( XXXX ). In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they were required to notify me of the reinsertion in writing within 5 business days. They are in violation of the FCRA. I didn't received no such letters or any notifications. On XX/XX/year> I received the dispute results from ( report number XXXXXXXX  ) of the XXXX XXXX XXXX accounts I've disputed, which they deleted them both off my credit file with them. On XX/XX/XXXX, XXXX I sent a demand letter to delete the XXXX XXXX  XXXX  accounts for the violation the FCRA XXXX because they failed to notify me in 5 business days that they reinserted the XXXX XXXX accounts that they deleted. I haven't heard anything back yet about this issue, and they're still reporting these 2 accounts on my credit file.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccuracy in the Account Status : the account was marked as " closed '' and I believe it was inaccurately reported or that the balance should have been updated differently. 

Discrepancy in Payment History : The payment history shows many " CO '' ( Charge-Off ) entries, which can significantly impact my credit score. This is are inaccurate.

Written-Off Balance : I want to clarify or dispute the " written off '' balance it was incorrect because the debt was paid or settled in a different manner. 

Dispute of XXXX XXXX XXXX  Account - Account Number : 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inaccuracy in the Account Status : the account was marked as " closed '' and I believe it was inaccurately reported or that the balance should have been updated differently. 

Discrepancy in Payment History : The payment history shows many " CO '' ( Charge-Off ) entries, which can significantly impact my credit score. This is are inaccurate.

Written-Off Balance : I want to clarify or dispute the " written off '' balance it was incorrect because the debt was paid or settled in a different manner. 

Dispute of XXXX XXXX XXXX  Account - 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 2025-02-09 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: NC

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 my credit report within 4 business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company Transunion. Please delete the following accounts. 
XXXX  Account # XXXX Balance {$2600.00} XXXX Account # XXXX Balance {$490.00} XXXX XXXX Account XXXX XXXXXXXX Balance {$520.00}

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 explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
On XXXX I received a letter from XXXX XXXX XXXX XXXX about a debt to XXXX XXXX. On XXXX, i received a letter from Lloyd and Mcdaniel PLC about the same XXXX  XXXX debt. On XX/XX/XXXX I sent both collectors a letter by certified mail asking for : Please provide a signed copy of the purchase agreement between you and XXXX XXXX showing the amount your paid for the debt, all terms and conditions and the statement from XXXX  XXXX guaranteeing the accuracy of any documents the provided to you. 

I asked the previous Debt Collectors to cease all communications but revied a letter from one the same days as yours offering to settle for half. I am requesting the purchase agreement in preparation for a lawsuit against XXXX XXXX and the other XXXX Collector. 

On XXXX, I was notified by mail from Open law that Lloyd and Mcdaniel has filed suit in smalls claims court in XXXX XXXX XXXX FL. 

Under FCRA, they should stop all collection efforts until this was resolved. 

I challenge their authority to collect and file the lawsuit as I don't know who is the right debt collector and without the requested information, they can't prove they are.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX already deleted this account due to consumer right discrimination ; proof will be attached please follow the Law and delete asap

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing 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 make 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX  Reference XXXX XXXXXXXX Account Number XXXX To whom it may concern I am writing to formally dispute the validity of the debt referenced above, which you claim I owe. I request that your office provide me with full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Please supply the following information : XXXX. Verification of the amount owed, including a detailed account of the principal, interest, penalties, and any fees that have been added. 

XXXX. The original name and address of the creditor to whom the debt is owed. 

XXXX. Copies of any agreements that show I agreed to the debt in question ( e.g., a signed contract or credit agreement ). 

XXXX. A complete transaction history or statement to substantiate the legitimacy and amount of the debt. 

Furthermore, if this debt has been cancelled or forgiven, in whole or in part, such that you are required to issue a 1099-C form per IRS regulations , I request that you provide a copy of the form. Cancellation of debt should not be reflected as an amount owed if it has in actual terms been forgiven and reported to the IRS.

Please consider this letter a written dispute as permitted by the FDCPA. Upon receipt of this letter, please cease collection activities until the debt has been validated, as required by law.

I appreciate your prompt attention to this matter and look forward to receiving the documents requested. Please reply in writing at the address provided. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
inquiries that I do not recognize or that are fraudulent XXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief