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: 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:
In the months of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I continually disputed inaccurate information on my report the accounts listed in the next section. Experian continued to send me the EXACT same verified informationwithout the proof I desperately requested. I included my latest utility bill, social security card, and drivers license with each dispute. I requested information be blocked and removed from my report and it was continuously reinserted without proof of a proper investigation. The lack of professionalism and care Experian took with handling my disputes has left my credit damaged causing me mental emotional and financially stressed because they failed to do their job and I couldnt get approved for the credit I needed. I recently learned of the CFPB lawsuit against Experian and I hope I can find relief from my efforts of trying desperately to fix the errors and inaccurate information on my reports. I believe the lawsuit directly affected me because Experian improperly inserted information back in my credit report and refused to update information even though I sent proof of my government identification, they didnt properly investigate the information because if they did then it would be obvious that the information is not accurate and should be deleted because it didnt match what I sent in. Experian continued to send me confusing information asking me to verify my identity which causes me to believe they never read my letters because my identification was included in the letters. When I asked how the investigation was conducted they never responded to me they only said verified. I asked them for proof they never sent proof they only said verified I am extremely hurt by the lack of care Experian has taken with my personal information. I am glad they are being held accountable. They violated my rights and did not make sure this information was accurate, complete and belonged to me.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-28 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 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: NJ

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute to have negative items on my credit report varified and removed on XX/XX/XXXX and no investigation was done and neither did I receive a response at all.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute to have negative items on my credit report varified and removed on XX/XX/XXXX and no investigation was done and neither did I receive a response at all.

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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Name : SXXXX XXXX XXXX # XXXX Account Name : 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Milestone mastercard have been charging {$12.00} a month for over 3 years. Starting XX/XX/XXXX they charged me {$19.00}. I was charged this XXXX, XXXX and XXXX before noticing the increased fee. I called to ask why have they increased the monthly fee with out notification. I was told they can change the monthly fee. I ask for a refund because I did not agree to this increase. I was told they can not because I used the card but I can cancel my card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
I paid of 3 leases that was originally 36 months that extend to 48 months that ended XX/XX/XXXX I returned the cars to the dealer on XX/XX/XXXX and requested buyout payments which XXXX finally emailed me the info on XX/XX/XXXX No payment were due for XX/XX/XXXX nor XX/XX/XXXX. 

On XX/XX/XXXX I mailed 3 certified checks totaling {$33000.00} to XXXX XXXX. They held the check and closed the accounts XX/XX/XXXX and messed up my perfect credit with 3 late payments on the 3 accounts. The adjust it to 2 later payments and refused to correct the other 2 late payments. When I call the hang the phone up on me.

They have an old outdated way of getting information and making payments. They have to mail forms and payments also have to be mailed causing delays. 

Up to know my credit is still ruin and no tiles have been delivered to me.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am unable to access my full credit report or scores, only the XXXX report is available. Despite providing accurate personal information I don't have all the information that I should to have full access to my credit report and scores. According to the Fair Credit Reporting Act ( FCRA ) is a federal law that guarantees that the consumer has the right to said access to their credit reports and scores. Furthermore the Annual Credit Report website has not provided said information, due to a payment being required whereas its advertised as being free once a year. I am requesting assistance in resolving this issue and being able to access to my full credit report and scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
account numberXXXX account balance : {$190.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
On XXXX XX/XX/2025, I received an email from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating they would be servicing a loan that had been transferred to them from Truist Bank. 

I have no relations nor have I ever opened an account with Truist Bank. 

XXXX  is currently sending me Emails for " Authorization To Debit Account '' however I have no accounts related to Truist Bank.

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: National Credit Systems,Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, aresidential leases was signed. 

On XX/XX/XXXX, I provided expressed and written notice that the lease will not be renewed given the monthly rental rate increase. As a result, the lease was fulfilled and a month-to-month agreement was created. 

On XX/XX/XXXX, I moved out of the subject housing unit at the agreed upon date leaving the apartment cleaned and in normal wear and tear condition. 

On XX/XX/XXXX, National Credit Systems , Inc., notified me that there was a rental balance owed of {$2000.00}. I responded shortly after receiving this email that the alleged debt was not accurate, there would be legal action taken if this file was reported to the actual Credit Reporting Agencies ( given there are reporting agencies that handle residential leases and tenant history ) and choosing to post this account would cause financial losses. 

Between XX/XX/XXXX and when I moved out of the leased apartment, I received no correspondence, demands, court filings, service, letters, notification of any amounts owed, evidencing their claim, etc. 

Prior to and after vacating the unit, there were no notification of damages to the unit, charges that would be paid from the security deposit, monies owed, balances for rent due, opportunity to cure, etc. 

InXXXX XXXXXXXX, Defendant decided to put this fraudulent and none credit account, on my credit report. 

Since XX/XX/XXXX, Plaintiff has been unable to access credit or conduct business, suffered profit losses and faced financial discrimination - due to this inaccurate consumer credit account. 

To date, no debt verification, validation or proof that a debt is owed has been received. Yet, the Account remains posted on XXXX and XXXX after I forwarded proof of payment. 

Its without question, if the Company had not acted in fraud, negligence, retaliation, and unjustly - I would have not suffered monetary damages in the form of credit denials from business lenders that use personal Credit Reporting Agencies to determine funding. Since the Company 's actions, I have been unable to refinance or purchase any properties given the drop in credit score directly affecting commercial transactions, business performance and economic opportunities.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, aresidential leases was signed. 

On XX/XX/XXXX, I provided expressed and written notice that the lease will not be renewed given the monthly rental rate increase. As a result, the lease was fulfilled and a month-to-month agreement was created. 

On XX/XX/XXXX, I moved out of the subject housing unit at the agreed upon date leaving the apartment cleaned and in normal wear and tear condition. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, notified me that there was a rental balance owed of {$2000.00}. I responded shortly after receiving this email that the alleged debt was not accurate, there would be legal action taken if this file was reported to the actual Credit Reporting Agencies ( given there are reporting agencies that handle residential leases and tenant history ) and choosing to post this account would cause financial losses. 

Between XX/XX/XXXX and when I moved out of the leased apartment, I received no correspondence, demands, court filings, service, letters, notification of any amounts owed, evidencing their claim, etc. 

Prior to and after vacating the unit, there were no notification of damages to the unit, charges that would be paid from the security deposit, monies owed, balances for rent due, opportunity to cure, etc. 

XXXX XXXX, Defendant decided to put this fraudulent and none credit account, on my credit report. 

Since XX/XX/XXXX, Plaintiff has been unable to access credit or conduct business, suffered profit losses and faced financial discrimination - due to this inaccurate consumer credit account. 

To date, no debt verification, validation or proof that a debt is owed has been received. Yet, the Account remains posted on XXXX and Experian after I forwarded proof of payment. 

Its without question, if the Company had not acted in fraud, negligence, retaliation, and unjustly - I would have not suffered monetary damages in the form of credit denials from business lenders that use personal Credit Reporting Agencies to determine funding. Since the Company 's actions, I have been unable to refinance or purchase any properties given the drop in credit score directly affecting commercial transactions, business performance and economic opportunities.

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 information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please disreguard complaint XXXX. The complaint was not complete. This new complaint is complete. 

I have submitted several letters ( some certified ) requested an update of personal information and disputed several inaccuracies. I know that some information was updated. My phone number was updated so I know the letter was received because I just changed my phone number when I moved to XXXX XXXX. Some of the addresses are inaccurate and some of the addresses are not mine. Some of my information has been updated like my phone number which lets me know that the information was reviewed and not completely updated. I just moved to XXXX XXXX and I changed my phone number to coincide with my new residence. Which has not been updated. Before the move I had a phone number for 20 years with an XXXX XXXX area code. The addresses are inaccurate because I no longer live in the XXXX XXXX. Some of the addresses are my exs and I never lived there and I wasnt married to him yet. I never lived in XXXX, Texas, Florida, Indiana, Colorado, XXXX, California, Illinois, or Pennsylvania. Credit information was comingled and I want the files removed. What was the investigation process? Why is his information on my credit report? Some addresses were removed but not all of my past residences. Some addresses were added and they were not my addresses. They were from another file and added to my credit file. One dispute response was that personal information does not impact your credit score at all and nothing was removed. Even though I submitted my legal information on XX/XX/year>. Information received from my results from my dispute state that the information cant be verified because can only certified companies with Experian can verify. Not sure what that means, but the law states that if it cant be verified it must be removed. I have included an updated drivers license and my social security card. I have attached letters and certified receipts as evidence.

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: AZ

Complaint narrative:
Experian has false addresses on my account. places that I have never lived at, and due to this, I have been a victim of identity theft since XXXX. I'm also in the data breach, please help because I don't know if mail is going to these addresses. 
Dispute of False Addresses on Credit Report Due to Identity Theft Dear CFPB, I am writing to formally dispute the inclusion of false addresses on my credit report maintained by Experian. These addresses are incorrect and are not associated with me. The false addresses in question are : * XXXX XXXX XXXX XXXX, AZ XXXX * XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX I have never resided at these addresses and believe their presence on my credit report is a result of identity theft. This issue has caused significant distress and inaccuracies in my credit profile. I suspect this matter may be related to the recent data breach, which has compromised the personal information of many individuals, including myself. 
I request your assistance in investigating this matter promptly and ensuring these incorrect addresses are removed from my credit report. Additionally, I urge you to take appropriate measures to protect my credit profile and prevent any further unauthorized activity. 
If these inaccuracies are not resolved, I will have no choice but to consider further legal action to enforce my rights under the Fair Credit Reporting Act. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the removal of these disputed addresses from 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