vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
ATTENTION : This is an ADDENDUM to COMPLAINT XXXX. This is NEW INFORMATION!!! BELOW SENT TO Barclays XXXX XXXXXXXX XXXX XXXX XXXX EXECUTIVE on XX/XX/year> in re Case XXXX_Permanent Credit Required - In your quest to avoid taking care of your customer by moving goalposts, I am concerned that you may attempt another move / creation.

This would be your fourth attempt where you offered a requirement, I met it, and then you come up with a new requirement / goal to be met! To review, past goalposts that you established in writing and then after I fully met them, you moved them! : 1 ) Look, just send us a PoD and well get you that permanent credit! I did so and then later received this, 2 ) Yeah, well, that PoD was all well and good but you see uhhh, we really wanted a PoD where you used the Pre-Paid address label from the merchant. Thats it, pre-paid address label, yeah, thats the ticket. I explained to Monica on the phone that this new requirement / goalpost made no sense because it would have resulted in a PoD just like the one I submitted to you. The only real difference is that I would not have had to use my own money to return the merchandise.

3 ) Okay, that PoD you sent was fine but you returned the merchandise for a different order! Yeah, thats it! Thats the ticket! Different order. As I already explained to XXXX, that new goalpost also doesnt work. Heres why. The order in dispute is ORDER XXXX. This is verified by the order document itself which clearly shows the order number XXXX, {$240.00} and the email from the merchant stating ORDER XXXX no need to return the merchandise and that he was refunding my charge. You and XXXX have had these documents for some time. 

I do hope that you dont attempt to move/ create a goalpost for a fourth time! I would like to emphasize that your duty, your raison dtre is to PROTECT YOUR CUSTOMER. 

I look forward, at long last, to a permanent credit for {$240.00}.

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 2025-03-27 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: VA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-27 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: VA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was looking at my report and note there were some things that was not correct. I sent a letter to Experian on XX/XX/2025 But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ).

Under 15 USC 1681 ( 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 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 he 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 receive the notice of the dispute from the consumer or reseller.

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 2025-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Please refer to our prior CFPB complaint XXXX. 
In that complaint, Nationstar/Mr. Cooper provided justifications based on their tax department 's " projections '' of tax and insurance costs. In their written response ( XXXX of many boilerplate recycles ) they stated that they would respond " accordingly '' if we provided them proof that our taxes were frozen. 
On XX/XX/XXXX we emailed documentation showing that our taxes have indeed been frozen since XXXX because I am a XXXX, XXXX veteran. A copy of that documentation is provided here. We also provided a statement from XXXX showing our actuals. 
Obviously there is no justification for their increases based on projections when the actuals are available and have been provided to them. Now they are avoiding a response to our inquires regarding resolution. While they avoid addressing the issue, they are continuing to bill me at the inflated rate based on " projections. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
XXXX XXXX had call me and told me I had to pay for the internet box still 1 week after my home caught on fire and lost everything including my husband they didnt care any of that happened I still had to pay for it I told them in that time I wasnt able to I had to pay to XXXX XXXX XXXX buy myself and my kids a new home and clothing and everything else we had lost they then told me if I didnt pay it that day they was going to send it to the credit bureau i told them with everything that had just happened I didnt have extra money to give them they hung up on me and I didnt hear from them again but then seen they did put it on my credit so I called eastern accounts and ask them to remove it and explained everything that had happened they told me I had to pay it and that they would remove if from my credit and thats the only way it would be removed I told them that I would just go head and take care of it so they would remove from my credit because its already kept me from getting a new vehicle so I paid it and they are yet to remove it I have called them back and its just a huge run around

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from I C System in regards to business with Sewage and Water Board in the amount of {$680.00} have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

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 2025-03-27 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: LA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-27 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: TN

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 advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 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 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 ).

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 2025-03-27 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MI

Complaint narrative:
I would like to cease and desist from this debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I am writing to formally request the blocking of fraudulent accounts on my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2. My personal information was compromised in the XXXX data breach ( XXXX ), and I believe that fraudulent accounts or activities have been added to my credit report as a result of this breach .I requested validation numerous times but have not been yet provided.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This complaint is against Experian for the unauthorized reinsertion of accounts ( XXXX XXXX XXXX and XXXX ) in violation of 15 USC 1681i ( a ) ( 5 ) ( B ). These accounts were previously disputed and deleted twice, yet Experian has reinserted them twice without providing the required notification, which is a direct violation of federal law. Experian is the only credit bureau that has done thisneither XXXX nor XXXX has reported or reinserted these accounts. Under 15 USC 1681i ( a ) ( 1 ), credit reporting agencies must conduct a reasonable investigation within 30 days of a dispute. However, despite multiple disputes, Experian has failed to provide any proof of how these accounts were investigated, violating 15 USC 1681i ( a ) ( XXXX ) ( B ) ( XXXX ). Additionally, Experian never provided the legally required notice of reinsertion within five business days, further violating 15 USC 1681i ( a ) ( 5 ) ( B ). As a direct result of Experians actions, my credit score dropped, leading to a financial denial. This reinsertion also lacks a permissible purpose, violating 15 USC 1681b. Experians repeated disregard for federal law has caused me financial harm, and I am seeking immediate corrective action. These accounts must be permanently removed from my credit report, and Experian must be held accountable for its violations. I request that the CFPB take appropriate action to address Experians ongoing noncompliance with 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 explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FEDChex Recovery, LLC
State: GA

Complaint narrative:
FCR Services is attempting to collect on a debt which is not showing on my credit report. The amount is XXXX originally from a company XXXX XXXX for use on the dates of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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. Code 1681c2 ) that you, the credit reporting agency, block information appearing on my consumer 's 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 an XXXX XXXX credit card, account number XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX XXXX loan account number XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX XXXX account number XXXX opened on XX/XX/XXXX, XXXXXXXX XXXX credit card account number XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer 's FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft Criminal Complaint ( case number ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collection, and hard inquiries 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 2025-03-27 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: MD

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-03-27 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 ) 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