vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
I reviewed my credit report and was furious to find an inquiry from your company that I know I never approved.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Sent money on Zell didnt confirm it was the right person first

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
Subject : Reward Certificate Expired Without Proper Resolution Complaint Details : I am writing to file a complaint against Citi, which manages the XXXX XXXX XXXX XXXX. My wife and I have been loyal XXXX members and Citi credit cardholders for over 20 years. In XXXX, we earned XXXX reward certificates totaling {$24.00} ( mine ) and {$26.00} ( my wifes ), which expired on XX/XX/XXXX. 

Unfortunately, due to oversight during the busy holiday season, we did not redeem these certificates before the expiration date. Upon contacting Citi on XX/XX/XXXX, we were informed that the certificates had expired and that no action could be taken to assist us. 

While I understand the terms of the certificate, I am frustrated with the lack of flexibility or customer service consideration provided, especially given our long-standing loyalty to both Citi and XXXX. The refusal to provide any resolution, goodwill gesture, or alternative compensation feels unfair and dismissive, especially for a total of {$50.00} in rewards. 


Thank you for addressing this matter.

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 2025-01-25 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: NJ

Complaint narrative:
am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Company continues to attempt to collect a debt from me that is not mine. I have sent them the consumer law regarding their attempts and they continue to violate them WITHOUT any proof or documentation that I owe them through said debt. I will be resulting in taking legal action against them because other companies are discriminating against me due to my credit report on behalf of that false debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am filing a complaint against Experian for failing to propery 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 CFPB 's recent administrative proceeding 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, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative
proceeding ( File No. 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. 




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 explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: TX

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

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 2025-01-25 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: LA

Complaint narrative:
I was the one affected into this lawsuit with Equifax. I tried to dispute accounts thats not mine for the past 6 months thats not mines but refused to investigate and get removed. It keeps coming back verified. My score been tanking over the years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt collection attempt and report multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Texas state law by Innovative Recovery and their client, XXXX XXXX I request that the CFPB investigate these illegal debt collection practices immediately. 


On XX/XX/XXXX, XXXXXXXX XXXX filed a motion for nonsuit against me as the defendant, acknowledging violations of my rights under the Texas Property Code. Despite this dismissal, on XX/XX/XXXX, Innovative Recovery sent a collection email regarding this same disputed debt. 


The email sent by Innovative Recovery on XX/XX/XXXX, contains several violations of the FDCPA and Texas debt collection laws : 1. Lack of Mini-Miranda Warning : The email fails to provide the required warning at the beginning of the message. 

2. Incomplete Debt Validation Information : The email does not provide the required validation information about the debt, including the amount owed and the name of the creditor. 

3. Potentially Misleading Urgency : The statement about a 7-day payment link availability may create a false sense of urgency. 

4. Lack of Bond Information : The email does not mention the required {$10000.00} surety bond that debt collectors must file with the Texas Secretary of State. 

5. Incomplete Disclosure : The email does not clearly state the name of the original creditor or provide a breakdown of the debt amount. 

Credit Reporting Violations Innovative Recovery has already damaged my credit report by reporting this disputed debt to all three major credit bureaus without adhering to both state and federal debt collection laws, specifically the failure to provide the required Mini-Miranda warning prior to credit reporting. I will be filing disputes with all three credit bureaus regarding this matter. 

******* Dispute of Debt ******* I hereby dispute the total sum of the alleged debt. Given the nonsuit filed by XXXXXXXX XXXX and the numerous violations in the collection process, I assert that this debt is not valid and should not be subject to further collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: IL

Complaint narrative:
Ive noticed that your company has inquiries on my credit report that I never gave permission for.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Incorrect names and addresses listed on my credit report.

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Incorrect names and addresses listed on my credit report.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im requesting a copy of the 1099c for this account to verify with the Internal Revenue Service that the amount that Bank Of America is what their reporting. This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.

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 2025-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I paid off the initial loan. They called me saying the last payment was made, but theyll refinance it and give me more money. The process was done over the phone, but the agents computer went down in the middle. She said to call back in an hour to restart the process. I called back and it still was down, but I told her to just forget about it, but unfortunately the next business day they proceeded with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. Specifically, I have marked the following accounts as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-25 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: MO

Complaint narrative:
Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts resolved. The Consumer 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, and failing to adequately notify consumers of dispute outcomes. These failures outline with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-25 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX **Subject : ** Dispute of Credit Report and Request for Correction Violation of FCRA Section 1681o ( Civil Liability for Negligence ) Dear Sir/Madam, I am writing to formally dispute certain information reported on my credit file, and to notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which addresses civil liability for negligence in the accuracy and completeness of consumer credit information.

There has been incorrect information affecting my credit report in regards to credit cards and a recent car note. This has been present on my file for more than 2 years, which is unfairly affecting my ability to rent, or get transportationXXXX XXXX XXXX **Description of Incorrect Information : late payments, missed, payments. 

Upon reviewing my credit report, I found that the above-referenced information is inaccurate or incomplete, due to incorrect missed payments. I believe this error was the result of negligence in your handling of my credit file. 

As outlined in Section 1681o of the FCRA, I understand that you are responsible for ensuring the accuracy and integrity of the information provided. I request that you investigate this dispute promptly and correct the inaccurate information. If it is determined that negligence was involved, I will also be seeking appropriate damages for any harm caused by the inaccurate reporting.

Please provide me with written confirmation that the matter has been investigated and the necessary corrections have been made, or an explanation if you believe the information is accurate. 

I appreciate your attention to this matter and expect a resolution in a timely manner, as required by the FCRA. 

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 2025-01-25 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because TransUnion is reporting two bankruptcies on my credit reportXXXX  XXXX ( filed XX/XX/XXXX ) and XXXX  XXXX ( filed XX/XX/XXXX, dismissed XX/XX/XXXX ) that I believe are inaccurate and unverifiable. I received a letter from the bankruptcy court confirming they do not provide information to credit reporting agencies, which indicates that TransUnion has not properly verified this information. Despite my request for an investigation and removal under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), these inaccurate items remain on my report, negatively affecting my credit.

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