vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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 am reporting a serious violation of federal consumer protection laws. I am a victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC Report # XXXX ). My credit report contains fraudulent accounts and inaccurate information, specifically from the Department of Education, and my score recently dropped over XXXX points. 
Despite sending multiple dispute letters to Experian, Equifax, and TransUnionwith supporting documentation including my FTC Identity Theft Affidavit and affidavit of non-liabilitythe credit bureaus have not corrected the information or completed a lawful reinvestigation as required.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 1681i failure to investigate and remove disputed items within 30 days, 1681c-2 failure to block fraudulent information upon identity theft report, 1681s-2 failure of furnishers to report accurate info or correct errors. 
I am also invoking Louisiana Revised Statutes 9:3568 and 51:3071 related to false credit reporting and failure to secure my identity data.

I demand immediate investigation and deletion of all inaccurate or fraudulent data, restoration of my credit score, and confirmation in writing of compliance with federal law

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 2025-04-12 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: LA

Complaint narrative:
I am reporting a serious violation of federal consumer protection laws. I am a victim of identity theft and have filed an official report with the Federal Trade Commission ( FTC Report # XXXX ). My credit report contains fraudulent accounts and inaccurate information, specifically from the Department of Education, and my score recently dropped over XXXX points. 
Despite sending multiple dispute letters to Experian, Equifax, and TransUnionwith supporting documentation including my FTC Identity Theft Affidavit and affidavit of non-liabilitythe credit bureaus have not corrected the information or completed a lawful reinvestigation as required.

This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 1681i failure to investigate and remove disputed items within 30 days, 1681c-2 failure to block fraudulent information upon identity theft report, 1681s-2 failure of furnishers to report accurate info or correct errors. 
I am also invoking Louisiana Revised Statutes 9:3568 and 51:3071 related to false credit reporting and failure to secure my identity data.

I demand immediate investigation and deletion of all inaccurate or fraudulent data, restoration of my credit score, and confirmation in writing of compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: MN

Complaint narrative:
This account was paid for it agreed different amount. I have disputed through XXXX XXXX with XXXX and XXXX. I have the receipt of payment. It says on my credit report in writing what I paid. Both disputes through transaction and XXXX were approved and closed. This creditor keeps calling me I've gotten letters in the mail saying they can or will continue to report to credit reporting agencies but they can not sue me cuz it's sold. I am considering taking legal action due to the fact that this has been paid and you can see it on the credit report and they keep calling and the guy hung up on me. I feel like this is harassment I get letters all the time too I'm not going to mail them nothing because I already took the necessary steps and paid everything off it's on my credit report in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KY

Complaint narrative:
The school I attended school XXXXyears ago and the school shut down due to fraud. I only learned of the closing because it was on the news I was never contacted or received any information and did not know of the illegal activities of the school. My loan providers at the time had an obligation to contact borrowers of any and all account changes due to school closure. They failed to do so. In turn my credit has suffered which in many cases has kept me from obtaining apartments buying a car and in some cases employment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Accounts being closed and money withdrawn without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am disputing the late payment information reported on my credit file, as I believe these entries may be inaccurate or the result of payment processing delays, system errors, or unforeseen circumstances beyond my control. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is incomplete or inaccurate. I respectfully request a thorough investigation into these late payments and, if found to be reported in error, prompt correction or removal from my credit report. 

XXXX  XXXX XXXX XXXX BALANCED {$25000.00} XXXX XXXX BALANCED {$180.00} XXXX  XXXX XXXX BALANCED {$4600.00} XXXX XXXX  XXXX BALANCED {$4100.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX  XXXX XXXX {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the late payment information reported on my credit file, as I believe these entries may be inaccurate or the result of payment processing delays, system errors, or unforeseen circumstances beyond my control. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is incomplete or inaccurate. I respectfully request a thorough investigation into these late payments and, if found to be reported in error, prompt correction or removal from my credit report. 

XXXX  XXXX XXXX XXXX BALANCED {$25000.00} XXXX XXXX BALANCED {$180.00} XXXX  XXXX XXXX BALANCED {$4600.00} XXXX XXXX  XXXX BALANCED {$4100.00} XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX  XXXX XXXX {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
In early XXXX, I was told by a representative from XXXXXX/XX/XXXXXXXX that making a payment on my credit card account would help me keep the account open and in good standing. Based on that communication, I made a {$250.00} payment on XX/XX/XXXX, toward my account. 

Despite this, the company closed and charged off my account later that same month, and reported a {$620.00} write-off with a remaining balance of {$280.00}. The account was originally opened in XX/XX/XXXX with a {$400.00} limit. 

I would not have made that payment had I known the account would be closed and charged off anyway. I was led to believe that my payment would bring the account current and prevent closure. Instead, I feel I was manipulated into paying under false pretenses, which is both unethical and a clear violation of UDAAP protections. 

They have failed to explain : Why the account was closed after a significant payment. 
How they calculated the write-off and remaining balance. 
Why they did not honor their communication about keeping the account open.

This behavior violates : FCRA ( 15 U.S.C. 1681s-2 ( a ) ), for furnishing inaccurate and misleading information to credit bureaus.

12 U.S. Code 5531, which prohibits deceptive and abusive acts in financial services ( UDAAP ).

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 2025-04-12 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: Experian Information Solutions Inc.
State: FL

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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
The company is medicredit and they have been calling daily. They are calling for a bill my dad owed. My dad XXXX XXXX XX/XX/XXXX2024. The company asked for a XXXX certificate but I did not have XXXX at the time. Attorneys  XXXX and XXXX in XXXX are handling the will and they advised me to tell all creditors to call them. I did so but they continue to call. Now they are calling using an automated message system. They called at XXXXXXXX XXXX on XX/XX/XXXX. It startled me because I was expecting a loved one to pass. Once I realized it was them I was so upset I couldn't get back to sleep. I called the company the next day and again advised them to call the attorney and the only other call I ever get from them better be an apology for the late call. It was very unprofessional. I also asked was it policy to call people in the middle of the night. They have called after XXXX but never this late. They shouldn't be calling me anyway. They have been directed to the law firm since the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
The funds in question were acquired through unethical methods, even though they were awarded by the court under deceptive conditions. This scenario constitutes theft. The debt in question was previously written off and subsequently acquired by Midland Funding XXXX, which claimed it was a credit card debt from XXXX. According to Iowa law, the collection of credit card debt is only permissible for XXXX years after payments have ceased. Additionally, it is possible that extra fees from attorneys have been included, which, as I have learned from government resources regarding other court cases, are not permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: IL

Complaint narrative:
I used XXXX cash app and XXXX and was supposed to get money and never got what I was promised I also had money tooken out account when it was hacked last month and they sent money through XXXX and use my credit on XXXX and stole {$3500.00} from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
The original creditor had been paid already and this company thats attempting to collect this debt does not have any contract with me for any debt owed to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I am writing to formally file a complaint with the Consumer Financial Protection Bureau regarding the failure of the major credit bureaus to remove fraudulent accounts from my credit report, despite multiple disputes and the submission of official documentation confirming that I am a victim of identity theft. 
I have submitted two FTC Identity Theft Reports ( Report Numbers : XXXX and XXXX ) outlining numerous fraudulent accounts that were opened in my name without my authorization. These include accounts with 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. The fraudulent activity was identified when I pulled a credit report on myself around XX/XX/2025 and continues to impact my credit profile. Despite placing fraud alerts on my credit reports and contacting the credit bureaus directly with detailed information and supporting documentation, these fraudulent accounts remain. Some have even been closed and resold to other entities, only to reappear on my reports under different names. The credit bureaus lack of action has made it extremely difficult for me to correct the misinformation, and I am now seeking the CFPBs assistance in resolving this matter. I respectfully request that the CFPB investigate this issue and compel the credit reporting agencies to remove these accounts from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-12 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: FL

Complaint narrative:
XXXX XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, 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 non-monetary relief
Consumer complaint received 2025-04-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
Im writing again because I need your help. I was scammed by a fake online gambling site called XXXX XXXX XXXX that reached out to me through XXXX XXXX. I truly believed it was legitimate, and Ive been unknowingly sending them money for the past year. I had no idea it was a scam until now. 

Recently, I won {$1200.00} through their game. I sent a message asking for a payout, and they told me to wait due to technical issues. Since then, Ive received no money and no communication. Thats when I realized everything they promised was fakeand that I had been scammed all along. 

When I contacted Chime to dispute this, I was told you couldnt help me. But Im begging you to take a XXXX look. I didnt willingly give my money to a scamI was misled and manipulated into thinking this was a real service. Im not asking for anything unfair. I just want my money returnedwhat was stolen from me. 

Please escalate this, or at least provide me with a clear explanation as to why this doesnt fall under fraud protections or Regulation XXXX, which should cover unauthorized and deceptive electronic transfers. 

Im extremely stressed and devastated. I trusted your platform to protect my money. Please help me get justice.

Company response to consumer: Closed with explanation