vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
XXXX, Equifax and XXXX 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 XXXX, Equifax and XXXX, alleging systemic issues such as failing to forward consumers provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures aligned with my experience, where XXXX, Equifax and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account accounts, as XXXX 's, Equifax and XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge Off XXXX  - XXXX - {$0.00} XXXX  - XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XXXX - XXXX XXXX {$1300.00} XXXX - XXXX - {$7300.00} Late Payment XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Alleged Original Creditor : XXXX XXXX Alleged Original Account Number : XXXX Alleged Account Number : XXXX Alleged Debt Amount or Balance : {$1000.00} I am writing to formally dispute an alleged debt that Pinnacle Credit Services , LLC. is attempting to collect. I recently received communication from Pinnacle Credit Services , LLC. regarding the above-referenced debt. This communication was received within the last 30 days. I dispute the validity of this alleged debt in its entirety and am requesting verification of the debt. Specifically, I request that Pinnacle Credit Services , LLC. provide a copy of any contract or agreement with the original creditor, XXXX XXXX, signed by all relevant parties. I do not owe the amount in question, and Pinnacle Credit Services, LLC.is illegally attempting to collect money that I do not owe. Furthermore, I request that Pinnacle Credit Services , LLC. cease and desist all collection activities, including reporting this alleged debt to any consumer reporting agencies. If any reporting has already been made, I request that they promptly delete it from my credit file. If these actions are taken within 14 days, Pinnacle Credit Services , LLC. will be excused from further verification of the debt. Please note that I XXXX escalate this matter to an attorney if Pinnacle Credit Services , LLC. fails to comply with these demands. Thank you for investigating this matter and ensuring that my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MS

Complaint narrative:
Equifax 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 XXXX, alleging systemic issues such as falling 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 Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Subject : Final Notice Failure to Comply with FCRA, Demand for Immediate Deletion & Opt-Out Confirmation Notice to agent is notice to principal. Notice to principal is notice to agent. 
To Whom It May Concern, I am following up on my previous dispute letter dated XX/XX/year>2025, in which I formally demanded that LexisNexis : Delete inaccurate and disputed information from my consumer file regarding : Department of Driver Services Records Falsely associating me with license number XXXX, which is not mine and has been incorrectly linked to my name. 
Insurance Policy Records Erroneously listing insurance policies I never held. 
Cease all furnishing, selling, and transmitting of my personal information to third parties without my explicit consent. 
Please View Attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX, as of XX/XX/XXXXXXXX  has been reported as charged off/never late with XXXX ( XXXX ) separate dates. Charge offs were dated for both XX/XX/XXXX as well as XX/XX/XXXX in the various amounts of {$5900.00}, {$6500.00}, and {$7600.00} labeled as Profit and Loss Write Off. 

XXXX XXXX, as of XX/XX/XXXX has been reported as Paid / Closed on XX/XX/XXXX. 

XXXX XXXX has been reported as of XX/XX/XXXX Closed/ Charged Off on XX/XX/XXXX in the amounts of {$5100.00}, {$6700.00}, and {$7300.00}. 

XXXX XXXX has been reported as of XX/XX/XXXX as Charged Off in the amount of {$1100.00}. 

XXXX XXXX XXXX has been reported as of XX/XX/XXXX as being reported for no amount shown, sold to Collections. 

XXXX XXXX has been reported as Paid / Closed as of XX/XX/XXXX XXXX XXXX  acct beginning in XXXX has been reported as of XX/XX/XXXX as Paid /Closed XXXX XXXX XXXX XXXX XXXX XXXX has been reported as Sold to Collections XXXX XXXX  has been reported closed as of XX/XX/XXXX as the age of the account has also been reported as account age 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 2025-01-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX, as of XX/XX/XXXX has been reported as charged off/never late with XXXX ( XXXX ) separate dates. Charge offs were dated for both XX/XX/XXXX as well as XX/XX/XXXX in the various amounts of {$5900.00}, {$6500.00}, and {$7600.00} labeled as Profit and Loss Write Off. 

XXXX XXXX, as of XX/XX/XXXX has been reported as Paid / Closed on XX/XX/XXXX. 

XXXX XXXX has been reported as of XX/XX/XXXX Closed/ Charged Off on XX/XX/XXXX in the amounts of {$5100.00}, {$6700.00}, and {$7300.00}. 

XXXX XXXX has been reported as of XX/XX/XXXX as Charged Off in the amount of {$1100.00}. 

XXXX XXXX XXXX has been reported as of XX/XX/XXXX as being reported for no amount shown, sold to Collections. 

XXXX XXXX has been reported as Paid / Closed as of XX/XX/XXXX XXXX XXXX acct beginning in XXXX has been reported as of XX/XX/XXXX as Paid /Closed XXXX XXXX XXXX XXXX XXXX XXXX has been reported as Sold to Collections XXXX XXXX  has been reported closed as of XX/XX/XXXX as the age of the account has also been reported as account age XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I received XXXX text messages saying that XXXX sent a debt to a debt collecting company called Credit Collections. After XXXX of those messages, my info was sent up to the credit bureaus. I actually assumed that those text messages were spam as I didnt have an active account with XXXX since XXXX. I reached out to my identity theft protection team to see if they could help me figure out where this bill came from. They setup a conference call with the collection company as I was unable to get concrete details when I called. Upon speaking with a representative, it was discovered that someone in XXXX, GA setup an account with XXXX for auto insurance for a XXXX XXXX XXXX from XXXX - XXXX. It appears that they kept everything corny until XXXX. It went delinquent and then eventually to collections in XXXX. They reached out to me via text to collect the debt ( no other communication ) in the middle of XXXX and because I had no bills or no other info, I again assumed it was spam. Well, the debt company sent it up to the bureaus in XXXX. I live in XXXX, KY and have never lived in GA any of my life. 

Additionally, I have a leasing bill of XXXX that another bill collector has that came from a XXXX, GA address. I am also working to resolve this issue as well. 

Going back a step, this is how I discovered I was a victim of identity theft. In XXXX of XXXX, I got a XXXX XXXX bill in the mail in which I discovered was fraud. I took the necessary precautions and got the bill handled and put fraud alert and credit freezing on my accounts. However to no avail, Im still getting new accounts with ny ssn that I didnt open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I returned a bracelet to XXXX  on XX/XX/year>25 with signature to be signed upon receipt. I paid XXXX installments equaling XXXX XXXX  received the return and refunded me the money to Synchrony bank is only giving me a check for XXXX saying they put the remaing credit towards my XXXX bill, but I received my XXXX bill and there is no credit, in fact I was charged an additional XXXX for a bracelet that was returned and received the week of XX/XX/year>25 I would like my full amount that I paid back from the bank. There is no reason they should be holding my money for an item that was clearly returned and received and for me to have to wait until XXXX for them to make adjustments.

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 2025-01-29 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: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
Comentity CapitalXXXX XXXX XXXX has charged off my account but had failed to send me a 1099c form. 


Under the Internal Revenue Code ( IRC ) Section 6050P, lenders and creditors are legally obligated to issue Form 1099-C when a debt is canceled or written off, ensuring transparency in income reporting and compliance with tax laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 proce 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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
I am filing a formal complaint against Rent Recovery Solutions LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, regarding their attempt to collect a debt that I do not believe is valid or has been misrepresented. 

On XX/XX/XXXX2025, I received a collection letter from Rent Recovery Solutions LLC, stating that I owe {$3300.00} to XXXX XXXX XXXXXXXX XXXX XXXX The letter offers a settlement discount, reducing the balance to {$2500.00}, but I have concerns about the validity of this debt and the collection practices used. 

I have not received proper validation of this debt, including a detailed breakdown of the charges, contract agreements, or documentation proving that I owe this amount. The letter does not provide clear information on the original account details or how the balance was calculated. The communication states that if I do not pay by XX/XX/XXXX 2025, further collection activity will continue, which could negatively impact my credit. However, I was not given proper notice or an opportunity to dispute the debt. The language in the letter could be misleading or intimidating, potentially violating the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have tried multiple times to get unauthorized purchases off my report and I have yet to get anything information back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
i was getting letters about owing several companies but never open the accounts on my report

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: GA

Complaint narrative:
I am filing a complaint against CASHAPP ( Block , INC ) due to inadequate customer service and unfair practices, which violates 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 Regulations 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 2025-01-29 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: MA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-29 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'm exhausted from trying to get these errors off my report. It feels like I've spent hours on the phone and online, trying to explain these inaccuracies and provide documentation, but nothing seems to change.

Company response to consumer: Closed with non-monetary relief