vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: NY

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really anxious because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX - XXXX  XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/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 2025-03-17 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: AZ

Complaint narrative:
I am writing to file a formal complaint against Experian for their incompetence, negligence, and blatant disregard for my rights as a consumer. Despite multiple attempts to resolve serious inaccuracies in my credit report, Experian continues to ignore my requests, fail to correct glaring errors, and allow false information to remain on my report, severely damaging my credit and financial well-being. 

I have submitted multiple disputes regarding erroneous information on my credit report, and every time, Experian has failed to investigate thoroughly or resolve the issue in a timely manner. These mistakes include, but are not limited to, incorrect account listings, incorrect balances, and debts that are not mine. The inaccuracies are blatant, and I have provided more than sufficient documentation proving that these entries are erroneous. 

Despite this, Experian has either ignored my disputes or responded with vague, generic explanations that completely sidestep the issue. This is a gross violation of the Fair Credit Reporting Act and demonstrates an utter lack of accountability. 

As a result of Experians actions ( or lack thereof ), I have been unfairly subjected to damage to my credit and the accompanying consequences, including higher interest rates and financial hardship. Experian has absolutely failed to uphold its responsibility to ensure the accuracy of the information it reports and has shown no regard for the impact its mistakes have had on my life.

I demand the following actions be taken immediately : A thorough investigation by the CFPB into Experians ongoing failure to correct my credit report.

Immediate correction of all errors currently on my report as a result of Experians negligence.

Written confirmation from the CFPB that these issues have been resolved and that no further inaccurate information will be reported by Experian in the future.

If this matter is not addressed immediately, I will pursue legal action against Experian for violation of consumer protection laws, including defamation, fraud, and any other relevant claims. Additionally, I will not hesitate to escalate this issue further, seeking damages for the harm done to my credit and financial future.

I trust the CFPB will take swift action to ensure that Experian is held accountable and that I am no longer subjected to the unacceptable and unlawful practices Ive experienced.

Attached are copies of my dispute correspondence with Experian and the supporting documentation for your review. I expect a prompt resolution to this matter and will not tolerate any further delays. 

Sincerely, 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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: OK

Complaint narrative:
I sent my details to a third party from another region to help me send some funds out which made skrill closed my account with my money.. 

Please I want my money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have received a debt notification by a debt collector named COLUMBIA DEBT RECOVERY LLC DBA GENESIS for original creditor - XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. The total amount of debt requested is {$2000.00} for lease termination failure to provide 60 - day notice. I made my 60-day notice on XX/XX/XXXX to move out by XX/XX/XXXX. I sent a dispute to GENESIS Compliance on XX/XX/XXXX. I was emailed a second debt notification from GENESIS creditor on XX/XX/XXXX. I had called them to ask about my dispute request, and was told I needed to send proof that I sent in my 60 day notice and I emailed this proof on XX/XX/XXXX to the Compliance team. I later called asked the representative about my dispute again and GENESIS said XXXXXXXX XXXX XXXX XXXX XXXXXXXX still has my balance as {$2000.00} and I still owe the debt. I request reason denial of my dispute, and they couldnt provide me a reason. Then I ask for proof of debt validation and also didnt provide any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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:
Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

Complaint narrative:
Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize XXXX XXXX # XXXX XXXX XXXXt # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violated the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Moreover, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Fund Act ( ETFA ) and Regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$30000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$31000.00} XXXX - XXXX - XX/XX/XXXX - {$28000.00} INQUIRIES : XXXX XXXX XX/XX/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 2025-03-17 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: IN

Complaint narrative:
Complaint Summary : I am filing a formal complaint against Rent Recovery Solutions and XXXX XXXX XXXX XXXX for false credit reporting, failure to validate a debt, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Key Issues : Rent Recovery Solutions has refused to properly validate a debt related to my former apartment at XXXX XXXX XXXX  XXXX. They falsely claimed I made no payments after XX/XX/XXXX, despite my bank statement proving a {$940.00} rent payment on XX/XX/XXXX. 

XXXX  XXXXXXXX XXXX  XXXX has failed to respond to debt validation requests from Rent Recovery Solutions, further delaying resolution. 

They have flip-flopped on what the alleged debt is for initially claiming it was for prorated rent, but after I provided my move-in date to my new apartment, my XXXX payment transaction ID, and confirmation that I never signed a lease extension, they changed their claim to saying I made no payments after XX/XX/XXXX a statement proven false by my bank statement. 

Rent Recovery Solutions falsely claimed the debt was validated during my initial dispute but provided no actual evidence of validation. 

This false debt has harmed my credit, leading to a denial of a credit card application on XX/XX/XXXX due to the false collection account. 

The Indiana Attorney General has now opened an investigation into this matter due to the improper handling of my dispute. 

Attempts to Resolve : XX/XX/XXXX : I disputed this debt with XXXX, submitting my bank statement as proof. 

XX/XX/XXXX : XXXX denied my dispute but failed to provide any actual validation from Rent Recovery Solutions. 

XX/XX/XXXX : I filed a second dispute with XXXX after they claimed my first dispute was filed incorrectly, despite them processing it. 

XX/XX/XXXX : I filed a complaint with the Indiana Attorney General, who has now launched an investigation. 

XX/XX/XXXX : I was denied a credit card due to the continued presence of this false debt. 

XX/XX/XXXX : Rent Recovery Solutions is still demanding unnecessary documentation ( a printed bank statement ) despite already having transaction IDs. 

Requested Resolution : Immediate removal of this false debt from my credit report. 

A full investigation into Rent Recovery Solutions failure to properly validate the debt. 

A review of XXXX  XXXX XXXX  XXXX role in falsely reporting this debt. 

Any applicable penalties or enforcement actions for FCRA and FDCPA violations. 

This situation has caused significant harm to my credit and financial well-being. I expect the CFPB to take swift action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank and XXXX XXXX tricked me into applying for their XXXX XXXX credit card by lowering my fare on XXXX tickets if we applied for the card. The lower price by {$400.00} was clearly in the new amount box for the tickets. We were approved and received the cards but no {$400.00} credit. 

They told us after the fact that we had received the same offer and benefit XXXX ago, and this did not qualify. My point to them is that they should have KNOWN THAT already before making us the offer on the XXXX XXXX website. 

This practice/marketing is VERY deceptive on XXXX XXXX  ticket purchase site. They actually lowered the price of the tickets on the screen as if we qualified for such. 

We may not have picked XXXX XXXX without this ticket reduction. This is simply fraud! We are over XXXX and live on a fixed income. I did not know that XXXX XXXX, partnering with Citi Bank, ran a fraud and deception business for attacking seniors. 

Please help us.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am filing this complaint against Experian and TransUnion for their failure to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). 

I previously requested a copy of my credit report from both Experian and TransUnion, as well as an investigation into certain inaccurate information appearing on my credit file. Despite my repeated attempts and providing all necessary identification and supporting documentation, both credit bureaus have failed to send me my credit report and have not completed the investigation as required by law. 

Under the FCRA, credit reporting agencies are required to provide consumers with access to their credit report upon request and conduct a thorough investigation of any disputed information within XXXX  days. Their failure to comply with these legal obligations is unacceptable and is causing me financial harm. 

I respectfully request that the CFPB investigate this matter to ensure that Experian and TransUnion provide me with my complete credit report and properly address the disputes I have submitted. 

Please feel free to contact me if you require additional information. I appreciate your time and assistance in resolving this matter promptly.

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 2025-03-17 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My Experian credit report contains serious reporting errors that should have never been included. This level of negligence is unacceptable and raises major concerns about the reliability of your verification process. These inaccuracies are actively damaging my credit profile, and I will not allow them to go unchallenged. 

The following disputed accounts need immediate correction XXXX XXXX XXXX  XXXX XXXX - XXXX - {$3800.00} XXXX XXXX XXXXXXXX XXXX - XXXX - {$9200.00} XXXX XXXX - XXXX - {$530.00} As a consumer, I am legally entitled to a credit report free from false or unverifiable information. The FCRA mandates that all reported data must be 100 % accurate and provable. If these errors can not be supported by concrete documentation, they must be removed immediately. I demand a thorough reinvestigation and immediate resolutiondelays will not be tolerated.

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 2025-03-17 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: CA

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of multiple late payments by Equifax. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
This account just was added on my credit report. I dont know or have never done business with this company before. I am asking that this company please provided proper validation stating the I owe this 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 2025-03-17 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: NY

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-03-17 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: AL

Complaint narrative:
MY CONSUMER REPORT IS REPORTING SEVERAL ACCOUNTS THAT ARE INACCURATE. ALL OF THESE ACCOUNTS HAVE INACCURATE DATES OF LAST ACTIVITY, OPEN DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. THESE ACCOUTS CAN NOT REPORT LIKE THIS. THIS IS A VIOLATION OF THE FCRA AND THEY MUST BE DELETED IMMEDIALTEY AFTER THIS INVESTIGATION OR I WILL HAVE TO TAKE OTHER STEPS TO GET THE INACCURATE ACCOUNTS REMOVED PLUS COMPENSATION. THE RECENT LAWSUITS HAVE SHOWN THAT YOUR COMPANY DOES NOT DO A PROPER INVESTIGATION. DELETE THESE ACCOUNTS IMMEDIATELY TO PREVENT FURTHER ESCALATION WHICH IS MY RIGHT UNDER THE FCRA. DELETE THESE ACCOUNTS ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY FOR A COUPLE OF MONTHS WHICH IS AN INACCURACY. THESE ACCOUNTS WERE NOT LATE, AND CAN NOT SHOW LATE PAYMENTS IN THE PAYMENT HISTORY. ALL PAYMENTS MUST SHOW PAID ON TIME, PAID AS AGREED, NEVER LATE FOR EACH PAYMENT DATE UNDER THE FCRA. THESE ACCOUNTS ARE SHOWING DIFFERENT DATES OF LAST ACTIVITY BETWEEN EQUIFAX, TRANSUNION, AND EXPERIAN. UPDATE EACH ACCOUNT IN THE ENTIRE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. ( XXXX  XXXX ) ( XXXX  XXXX )

Company response to consumer: Closed with non-monetary relief