vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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 HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA 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 AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX  - Balance {$480.00} Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - Balance {$7400.00} Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
XXXX XXXX  Account Number : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting late payments. However, I made all payments on time, making these late payment notations incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law. 
The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting these errors for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  Account Number : XXXX I recently reviewed my credit report and noticed that this account is inaccurately reporting late payments. However, I made all payments on time, making these late payment notations incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information must ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a violation of this law. 
The credit reporting agencies are responsible for maintaining accurate and up-to-date records. This account has never been late, and I have attached a copy of my credit report highlighting these errors for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 
* TransUnion and Experian incorrectly report a 30-day late payment for XX/XX/year>. Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
Per my credit report from Equifax, TransUnion, and Experian ; they are reporting inaccurate information. Inaccurate information is reporting on my credit profile and is causing me to be denied purchasing a home as a retired Veteran. I'm requesting that the credit bureaus validate the debt by request the completed contract that was signed with a WET signature. I have been overseas per my military obligations. I am now retired and I and requesting that the credit bureaus not electronically verify, but to request from the company 's to provide a contract showing that I requested the company 's product and a signed contract with a WET signature on the contract. I received letters from company 's that stated that I was a part of several data breaches and my information is on the dark web

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 2025-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I took out a loan with this company and I feel the fees are excessive for the state of XXXX. I got a {$500.00} loan and they charged me {$1800.00} in finance charges and 587.43 % interest rate. In the state for XXXX  I believe the finance charge shouldn't exceed 10 %. I asked them if the charges they billed were illegal and Bridge Lending stated that they weren't. On Saturday, XX/XX/ 2025 I received an email from XXXXXXXX XXXX XXXX XXXX that my loan was cancelled and I owed Bridge Lending no more funds. I got a loan from them on XX/XX/2025 not knowing they had been sued in a class action lawsuit. Bridge lending is still using the same practices on their current loans and they are still collecting from people with that full knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of identity, theft, and my information was exposed. Experian XXXX and XXXX XXXX reporting different credit reports I need all negative items removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
After contacting XXXX, confirming their address information and verified the information on my credit report was at best inaccurate and at worst fraudulent ; they directed me to Experian to have my credit report remove the account. 

Experian " investigated '' the account and found it was a valid account and belonged on my report. Then closed out my report. 

Just called the XXXX number they provided on the investigation. XXXX informed me this number can not verify my account information and re-confirmed I do not have an account with them or credit history.

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 2025-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from National Credit Systems for an alleged lease debt. I am formally disputing this collection, as I do not recognize the debt. When I vacated the apartment, there was no balance due. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. The lack of prior notification raises significant concerns regarding the validity and accuracy of this account. This erroneous reporting has caused difficulties in securing credit and is directly impacting my ability to obtain a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately remove this collection account from all credit reporting agencies and cease any further collection efforts regarding this disputed debt. Please provide written confirmation of the actions taken in response to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-03-15 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: Kikoff Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute certain entries reported on my credit file. The information provided is inaccurate, and I believe that it constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, which pertains to the duties of consumer reporting agencies, users of credit reports, and furnishers of information to credit reporting agencies. 

On XX/XX/year>, I identified discrepancies in my credit report, specifically concerning an account, balance, or payment history. I believe these inaccuracies are the result of negligence and noncompliance with the guidelines set forth in the FCRA. 

Under Section 1681 of the FCRA, all parties involved in the credit reporting process are required to ensure that the information they report is accurate and up-to-date. As such, I request that you review this matter immediately, investigate the details of the dispute, and correct the erroneous information.

If you are unable to validate the disputed information, I request that you remove it from my credit file. In addition, please provide me with written confirmation of the changes once they are made.

I am aware that under Section 1681 of the FCRA, if a consumer reporting agency or information furnisher fails to comply with its obligations, they can be held liable for negligence, and I am prepared to take appropriate action should this dispute not be resolved in a timely and accurate manner.

Please send me an updated copy of my credit report reflecting the necessary corrections as soon as possible. I look forward to your prompt attention to this matter and expect a resolution within the timeframe outlined by the FCRA. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
in accordance with Fair Credit Reporting act. The list of accounts below has violated my federally. protected consumer and confidentiality under 15 USC 1681.MIDLAND CREDIT MANAGEM Account # XXXX XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES. NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
The CFPB has sued Capitol One for cheating customers of interest on its XXXX XXXX accounts by freezing interest rates at low levels while promoting a new account with higher rates, the XXXX XXXX XXXX, without informing customers. This was occurring from late XXXX to mid XXXX. I had a XXXX Savings account during this whole time and to the present. The rates were frozen At XXXX % XXXX while the XXXX Performance account rates kept increasing. Is this lawsuit still active and if so how do I receive compensation?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
At XX/XX/year> I bought my gift card and i opened it but saved it so I can use it later. When I tried to buy something online at XX/XX/year> I didnt let me so I logged into vanilla gift card site and I saw on XX/XX/year> {$250.00} got spent on giant without my permission. The card originally had {$250.00} but now I only have XXXX cent. I did the dispute case but they havent done anything yet and said it will take up to 90 days but I havent heard back since XX/XX/XXXX. ( A confirmation email )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information. 

1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor 4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to other creditors I dispute that I owe this debt to you, Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Equifax Experian TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX Formal Dispute Regarding Inaccurate information on my credit report Dear, Trans Union I am writing to formally dispute, inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the consumer financial protection bureau filed a lawsuit against Experian and Trans Union for it failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices outlined by the CFPB include : Conducting an adequate investigations that failed to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may have been mishandled in a similar manner.

Please review the inaccurate information being reported.

Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensive manner. Provide me with any documentation you relied on if the disputed information is verified as accurate. Ensure that Inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of the information of my credit report. 

Furthermore, I request reading confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserved the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly, I will look forward to your response within them legally mandated 30 day timeframe. 

Sincerely yours truly, 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 2025-03-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XX/XX/year> Equifax Experian TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX Formal Dispute Regarding Inaccurate information on my credit report Dear, Trans Union I am writing to formally dispute, inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law. 

Recently, the consumer financial protection bureau filed a lawsuit against Experian and Trans Union for it failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices outlined by the CFPB include : Conducting an adequate investigations that failed to address consumer disputes properly. 
Reinserting previous disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. 
I am deeply concerned that my dispute may have been mishandled in a similar manner.

Please review the inaccurate information being reported.

Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensive manner. Provide me with any documentation you relied on if the disputed information is verified as accurate. Ensure that Inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of the information of my credit report. 

Furthermore, I request reading confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserved the right to escalate the issue with the CFPB and other appropriate agencies. 

Thank you for addressing this matter promptly, I will look forward to your response within them legally mandated 30 day timeframe. 

Sincerely yours truly, 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 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
On XX/XX/year>, I cancelled a payment through cash app, the money did not return to my CASHAPP account I've made this error before and money was immediately returned. when questioned, " it's going to your bank '' I'm still out of my {$100.00}.

Company response to consumer: Closed with explanation