vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: MI

Complaint narrative:
On my XXXX XXXX XXXX Report by TransUnion there is two Fraudulent Accounts Amount {$2700.00} Amount {$1000.00} In Collections from XXXX that has a Closed date of XXXX XXXX on both Accounts. I have enclosed proof of these Fraudulent Accounts. I have filed a Police Report and Identity Theft Affidavit to TransUnion XXXX XXXX. 

I was born XX/XX/XXXX 
So why are these two fraudulent accounts On my XXXX XXXX XXXX Report by TransUnion there is two Fraudulent Accounts Amount {$2700.00} Amount {$1000.00} In Collections from XXXX that has a Closed date of XXXX XXXX on both Accounts. I have enclosed proof of these Fraudulent Accounts. I have filed a Police Report and Identity Theft Affidavit to TransUnion XXXX XXXX. 

I was born XX/XX/XXXX. 
listed on my credit reports? They are NOT ACCURATE and are NOT mine. Please delete these TWO accounts immediately and update my Transunion report to accurate. Thank you!

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are unauthorized accounts on my credit report XXXX ( {$1000.00} ) ( XXXX ) XXXX  ( {$2000.00} ) ( XXXX ) XXXX ( {$1700.00} ) ( XXXX ) XXXX XXXX XXXX XXXX ( {$2200.00} ) ( XXXX ) XXXX XXXX XXXX ( {$3000.00} ) ( 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On Wednesday, XX/XX/2025 I needed to temporarily unfreeze my credit. When I went to the Experian website, selected unfreeze credit, it led me to login to my account asking for last 4 of social and phone number. It texted me a verification link, which I used. It pulled up my personal information that I did not enter such as my address. It then said it needed to verify my identity and offered to text me ( to a number that is not mine ) or to email me ( to an email address that is not mine ) and gave no other option for moving forward. So I closed out of that and called them. I went through a series of prompts and then it said it needed to verify my identity and could it text me? I said " yes '' and a bit of time goes by and it asks if I got the text. I said " no '' and immediately started to panic realizing they did not send to me, but to the other number that is not mine but is somehow attached to my account. After this I spent a good deal of time going back and forth between the phone number and the website to find every time no matter how I did it, the phone number directed me to the website and the website directed me to the phone number... so no person or otherwise help in sight! Finally, I decide to see if they have a XXXX account and if other people are posting about the same issue and what the answer given is. Sure enough, dozens and dozens of people having the same complaint, but none of them given answers! ONE lady, however had a response from whoever was running this site and it said they had sent a private message. So, I found where I could message to the site and after more than an hour a person responded. We went back and forth for more than 4 hours before I finally was given an option to send self-identifying documentation along with a case number which was given to me, a description of my issue, and my correct contact info to them via fax, mail, or uploaded to their website. I did so later that day. It is now XX/XX/2025 and I have received no follow up or even a confirmation that my dispute was received by them. I did reach out by private message on XXXX again and no response this time.

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 2025-01-23 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: FL

Complaint narrative:
I disputed the following accounts on my credit report, as I do not recognize them : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Report and noticed that i had two late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Incomplete Information Under FCRA Dear XXXX, XXXX, and XXXX I am writing to formally dispute the following inaccurate or incomplete items on my credit report. These items do not meet the requirements of accuracy and completeness as outlined under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ).

Below are the disputed items, along with the reasons for my challenge : Midland Credit Management XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Reason for Dispute : Creditor unable to verify I opened this account /account not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : Creditor unable to verify I opened this account /account not mine Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute within 30 days. Please ensure this investigation includes contacting the data furnisher to verify the accuracy of the information. If the disputed items can not be verified or are found to be inaccurate or incomplete, they must be deleted or corrected promptly.

Additionally, under FCRA 609 ( 15 U.S.C. 1681g ), I request copies of any documentation you have relied upon in reporting this information, including contracts, payment records, or other agreements provided by the data furnisher. Failure to provide such documentation constitutes a violation of my rights under the FCRA. 

Please send me a written response outlining the results of your investigation and an updated copy of my credit report reflecting any changes made. If you determine that no changes are warranted, I request a clear explanation of your reasoning and copies of any supporting documentation. 

To assist in your investigation, I have enclosed the following documents : A copy of my credit report with disputed items highlighted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Placed for collection Original creditor name XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter. If I do not receive a resolution within the legally mandated time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal remedies to protect my rights. 

Please contact me directly at ( XXXX ) XXXX or XXXX should you require additional information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed for bankruptcy back in XX/XX/year> and experian did not report my bankruptcy and still has not over the months even after the bankruptcy was discharged. On the report it is still showing all past due amounts and when I disputed those items to show they are under bankruptcy, I was sent back a report saying everything is correct and the dispute did not change anything. I tried to submit another dispute after the fact ( months later ) and received a message saying I can no longer dispute these items. I have tried numerous times to contact them by phone and I can never get a hold of a live agent and the one time I was able to get through I was immediately hung up on. I will contact the Bankruptcy Lawyer to see if I have any other options but as of now Experian is not willing to work with me on removing these items and showing a discharged bankruptcy.

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 2025-01-23 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: Chime Financial Inc
State: IL

Complaint narrative:
My Chime checking account was deducted twice for the same purchase. It was an order placed through XXXX XXXX  on XX/XX/year>. A normal part of the process is that a " Pending '' charge will be placed on your account by XXXX until after delivery, at which point it will be finalized and the " Pending '' charge will be removed. This did not happen.

I have two charges on my Chime account, both from the same order for the same amount ( {$49.00} ) with one of the charges even mentioning the fact that it is a " Pending '' charge. I have disputed this through Chime twice and both times they declined to fix it. 

Normally " Pending '' charges will fade away in time but this one has become a permanent fixture in my checking account 's transaction history and can easily be shown as having charged me twice. Chime has had every chance to fix this and has blatantly refused to do so. 

I requested documentation as to explain their decision. The email they sent claimed to have documents used attached to it. Want to know how many documents were attached to the email? XXXX. Nothing. This makes me highly suspicious that no actual investigation took place whatsoever and instead they made the arbitrary decision to refused to refund my money to me. 

I will include an attachment of the email below, as well as screenshots of my transaction history as well as a few other pieces below. If you need anything else from me, feel free to ask. 

NOTE : There is an initial difference in the amount deducted, listed as {$51.00} rather than {$49.00}. This is due to a discount on the purchase that was not initially applied as it should be, but was later done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C statue 1681i, which mandates reasonable investigation of disputes. Furthermore, Equifaxs action may also Contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. Statue 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in a CFPD recent administrative proceeding File No. XXXX ) against them for similar violations. I requested the CFPD take action to ensure Equifax complies with federal law and provide consumers whats the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
**Summary of Legal Complaint** **Case Title : ** Consumer Financial Protection Bureau v. Experian Information Solutions , Inc . 
**Case Number : ** XXXX **Filing Date : ** XX/XX/XXXX **Legal Basis : ** The action is filed under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of XXXX ( CFPA ).

**Parties Involved : ** - **Plaintiff : ** Consumer Financial Protection Bureau ( CFPB ) - **Defendant : ** Experian Information Solutions , Inc . 

**Allegations Against Experian : ** The Bureau claims Experian violated consumer protection laws by : 1. Failing to adequately reinvestigate consumer disputes about report accuracy or completeness. 
XXXX. Not forwarding all pertinent information to credit furnishers. 
XXXX. Providing insufficient notifications to consumers about dispute outcomes. 
4. Neglecting to maintain reasonable procedures for ensuring information accuracy in consumer files.

**Requested Relief : ** The Bureau seeks injunctive relief, compensation for affected consumers, repayment of unjust profits, and civil monetary penalties.

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 2025-01-23 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. These are the accounts that I marked inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-23 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: UT

Complaint narrative:
I lived at XXXX XXXX, XXXX of XXXX 's properties, from XX/XX/XXXX to XX/XX/XXXX. After I moved out, I received a letter from XXXX dated XX/XX/XXXX stating that I owed {$260.00} after credits of {$1100.00}, utility charges of {$250.00}, base rent charge of {$890.00}, pet rent of {$35.00}, and two " Damage Charges '' totaling {$190.00}. I contacted XXXX via telephone to get more information on the " Damage Charges '' and they stated I need to write a letter detailing my request and dispute. I sent the letter on XX/XX/XXXX via email to XXXX and on XX/XX/XXXX received a response from XXXX XXXX with XXXX 's Account XXXX Department stating that she would get back to me. On XX/XX/XXXX, XXXX sent a pdf of an invoice listing my apartment, amongst many others, from XXXX XXXX XXXX, and a pdf containing photos of an unspecified apartment. There wasn't an additional description as to what XXXX XXXX did nor were there any details as to where or when the photos were taken. I responded to XXXX as such, stating that I did not find the documentation acceptable for what I was being charged. After another push back by XXXX, I asked for my case to be elevated to a XXXX on XX/XX/XXXX. On XX/XX/XXXX, I had not heard back from XXXX so I emailed XXXX stating since I had not heard from her, I considered the case closed and that I could expect a check for {$79.00}. On XX/XX/XXXX, XXXX wrote back that " The balance remains the same and that " There is no refund. I tried to work with XXXX and XXXX to get this resolved, but after months of back and forth I did not see a path forward amicably. I filed a XXXX XXXX suit against XXXX on XX/XX/XXXX for what I was owed. On XX/XX/XXXX, the judge ruled in my favor and issued a judgement for payment against XXXX. I received payment in the mail from XXXX on XX/XX/XXXX. On XX/XX/XXXX, I received an email from Columbia Debt Recovery, LLC ( dba Genesis ) attempting to collect on the {$260.00} I had taken XXXX  to Small Claims Court for. Since then, I have been going back and forth with XXXX to remove this debt. They call and harass me to pay at least twice a month, and I have even sent them the documentation from the courts with the judgement. I have reached out to XXXX but they refuse to take my calls or answer my emails. I spoke to Genesis for the last time today, XX/XX/XXXX, and once again they tried to bully me into paying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: AZ

Complaint narrative:
I had traded my car XXXX  XXXX which was financed with XXXX XXXX XXXX  for a new XXXX, the XXXX dealer failed to payoff the car in a a timley mannor and by the time they did reflected a late payment.

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 2025-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
A representative of Moss Law Firm, P.C., XXXX XXXX XXXX contacted me on XX/XX/year> @ XXXXXXXX XXXX. asking me to sign over power of Attorney to Moss Law Firm and I was given 24-48 hours in which to do so. The email address he provided was XXXX and the fax # was ( XXXX ) XXXX. The number he provided me to call XXXX XXXX back on once completed is as follows ; ( XXXX ) XXXX. This is pertaining to a lawsuit by Moss Law Firm for a credit card dispute which has not been proven to be mine. I never signed over power of Attorney to Moss Law Firm. Moss Law Firm is acting as the debt collector for XXXX XXXX XXXX. 

This is not legal for a debt collector to request a consummer to sign over power of Attorney. Their collections practices are gegregious, deceptive, and abusive practice of power.

Company response to consumer: Closed with explanation