vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I am writing to report a violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. On XX/XX/year>2023, an account appeared on my credit report for a debt of {$230.00}, and again on XX/XX/scrub> 2023, for {$310.00}. 

According to **15 U.S. Code 1692c**, if a consumer notifies a debt collector of a dispute regarding a debt, the collector must cease all communications until the debt is validated. Additionally, under **15 U.S. Code 1692g**, the collector is required to provide written verification of the debt. Furthermore, **15 U.S. Code 1681e ( b ) ** mandates that any information reported to credit bureaus must be accurate and complete. 

It has come to my attention that this account has been reported multiple times for different amounts without proper validation. The debt collector has refused to cease all communications despite my notifications, which raises serious concerns about compliance with these laws. 

I request that your office investigate this matter and take appropriate action to ensure my rights are protected.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Today I called Experian to find out information about my credit report, as I am in the process of cleaning it up, and I don't know what terminology my creditors need to use on the report to show that I am in good standing. Experian is not answering calls from the public, and I have seen multiple complaints online that the public is up in arms over why they are not taking calls. How can I resolve my credit report issues if no one from Experian will speak to me? This needs to change IMMEDIATELY.

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 2025-01-28 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: VA

Complaint narrative:
( Under the Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) ) Experian Subject : Formal Notice of Intent to Sue for Fair Credit Reporting Act ( FCRA ) Violations To Whom It May Concern, This letter serves as a formal notice of my intent to initiate legal action against Experian, for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., unless this matter is resolved immediately.

Despite my multiple dispute requests, you have failed to properly investigate and remove inaccurate and unverified information from my credit report, in violation of federal law. 

Disputed Account Information : Creditor : XXXX XXXX XXXX Account Number ( Last 4 Digits ) : [ XXXX ] Date Opened : XX/XX/scrub> 2021 Status : Charged-off Balance Reported : {$8500.00} FCRA Violations by Experian : 1. Failure to Conduct a Reasonable Investigation ( 1681i ( a ) ) I disputed this charge-off, yet Experian failed to conduct a proper investigation or obtain adequate verification from the data furnisher. 
The Fair Credit Reporting Act requires you to delete any information that can not be verifiedwhich has not been done. 
2. Failure to Delete Unverifiable Information ( 1681i ( a ) ( 5 ) ) I requested verification of this account, yet no documentation proving its legitimacy has been provided.

Since Experian can not validate the debt, you are legally obligated to delete it from my report.

3. Continuing to Report Inaccurate Information ( 1681e ( b ) ) The charge-off is damaging my credit and affecting my financial opportunities. 
By knowingly reporting false or unverifiable information, Experian is acting in willful noncompliance with the FCRA. 
4. Failure to Properly Investigate My FTC Complaint I have previously reported this issue to the Federal Trade Commission ( FTC ) and provided supporting documents.

Experian has ignored my formal complaints, further demonstrating negligence.

Legal Remedy and Demand for Resolution To resolve this matter without litigation, I demand the following actions : 1. Immediate removal of the disputed charge-off account from my credit report.

2. Written confirmation that this account has been deleted.

3. Compliance with federal laws requiring the removal of unverifiable negative information.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXXXX/XX/XXXXCash App sent 1099 tax form to IRS under my personal information. Claiming I earned {$6500.00} in XXXX. I have never received any money, payments or any currency through this " Block , Inc Cashapp ''. Iv tried contacting them with zero results. Fraud Fraud Fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PNC Bank N.A.
State: PA

Complaint narrative:
Recently PNC changed their XXXX XXXX program, where you navigate to a secondary web page. On XX/XX/XXXX, I took advantage of a cash back option for XXXX 's. The offer was to dine in restaurant and get 23 % back. 

I made a charge of {$28.00} about an hour after adding the offer to my card. I then waited for the charge to post to the account. I reviewed my PNC payback balance and it was not updated. 

After a week, around XX/XX/XXXX, I reached out to inquire about it. They let me know it should show after XX/XX/XXXX. It did not so, I called back on XX/XX/XXXX, and was " escalated '' to an agent, XXXX, in a higher department. After a couple of back and forth messages, she stated that they would show on my next credit card statement, which was XX/XX/XXXX. When it did not, an agent stated it would take until XX/XX/XXXX, but in the mean time XXXX would create a " dispute '' with the 3rd party processing company. 

On XX/XX/XXXX it did not post to my account, and I reached out to XXXX, and there was no update on the " dispute ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/scrub>/2021 and XX/XX/XXXX opened on XX/XX/year>2021. I do not recognize the aforementioned accounts, collections, or charged off accounts. The aforementioned accounts, collections, and charge off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge off are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year>2021 and XX/XX/XXXX opened on XX/XX/scrub>/2021. I do not recognize the aforementioned accounts, collections, or charged off accounts. The aforementioned accounts, collections, and charge off appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge off are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and charge off 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 2025-01-28 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: CA

Complaint narrative:
I submitted a dispute, account was.deleted and then put back on 2 months later...

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 2025-01-28 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-01-28 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-01-28 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 XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating that 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 mandated a reasonable investigation of disputes/ Furthermore, XXXX XXXX actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX {$370.00}

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 2025-01-28 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating that 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 mandated a reasonable investigation of disputes/ Furthermore, XXXX XXXX actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX {$370.00}

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 2025-01-28 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: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-01-28 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: LA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
Paid my debt off in XXXX and they are still contacting me saying I owe it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Remove from all 3 credit bureaus and stop reporting false information.

Fair Credit Reporting Act ( FCRA ). The Consumer Financial Protection Bureau ( CFPB ) amended Regulation V to specifically prohibit credit reporting agencies from including medical bills on credit reports sent to lenders, who are also banned from considering medical debt in credit decisions.

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 2025-01-28 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: OK

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
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, states a consumer reporting agency can not furnish an account without my written furnish an 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 and crimes which antedates the report by 7 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 caus

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 2025-01-28 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX was the initial complaint asking for debt validation, purchase agreement and cease and desist and they have not provided anything that I have asked for and have continued to communicate via text after a cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.

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 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I am extremely frustrated and disappointed with the unethical and unlawful actions of IC System, Inc. They are blatantly violating both federal law and the arbitration agreement tied to this account, and its causing unnecessary stress and harm to my financial wellbeing. The original agreement for this account explicitly states that any disputes must be resolved through arbitration. Despite this binding agreement, IC System , Inc. has chosen to completely ignore the terms and proceed with collection activity outside of arbitration. 

This is not only a breach of the agreement but a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, misleading, and unfair practices. Their actions are reckless and show a complete disregard for the law, as well as the rights of consumers like me who trust that agreements will be honored. 

Their failure to comply with the arbitration clause has led to this fraudulent collection account being reported to the credit bureaus, damaging my credit score and causing me unnecessary emotional and financial distress. 

I am angry and fed up with this disregard for legal agreements and consumer protection laws.

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