vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Collection Dispute and Request for Verification Dear Sir/Madam, I am writing to formally dispute the collection account referenced by account number [ XXXXXXXX XXXX XXXXXXXX ] , which appears on my credit report. This letter serves as a request for validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

Under XXXX XXXX. XXXX, I am entitled to request verification of the debt. I require that you provide documented evidence detailing the following : XXXX. * * Original Creditor : * * Complete name and address of the original creditor. 
XXXX. * * Verification of the Debt : * * A full accounting of the debt amount, including itemized charges. 
XXXX. * * Proof of Your Authority : * * Documentation proving that you have authority to collect this debt on behalf of the original creditor. 

Additionally, under XXXX XXXX. XXXX of the FCRA, any information reported must be complete and accurate. I request that your business ensures that any erroneous or unverifiable information is removed from my credit reports. 

Until you can produce evidence validating this debt, I am requesting that you cease collection activities under XXXX XXXX. XXXX and stop reporting this account to the credit bureaus. 

I expect a thorough investigation and a full response within the XXXX period as specified by federal law. 

XXXX. XXXX XXXX, XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Multiple payments were taken out of my account for something I didnt not purchase or sign any legal documents in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 XXXX XXXX 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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This CFPB complaint is being submitted by credit applicant XXXX XXXX, who submitted an application for an American Express XXXX XXXX on XX/XX/year>. The adverse action notice regarding this application paints the applicant in false light of un-creditworthiness per XXXX XXXX XXXX. XXXX. The XXXX score procured from his report does not satisfy a statement of specific reasons for denial of this credit application per Regulation B under 12 CFR 1002.9 ( b ) ( 2 ) nor is it permissible use information to deny this loan. Please take the necessary steps to approve this credit application or to be able provide specific reasons as to why this application was denied per the FCRA and ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Good evening, I was recently contacted by Equifax with regards to updating my clarity report through their services. In order to complete this update, they have requested that I provide them with some personal information, including my social security card and ID. I have attached these documents to this message for your convenience. It is imperative that my clarity report is updated as soon as possible, so I kindly ask that you complete this task at your earliest convenience. Your prompt attention to this matter is greatly appreciated. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
My name is XXXX XXXX, My Date of Birth is XX/XX/year>, my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a auto loan from XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
My name is XXXX XXXX, My Date of Birth is XX/XX/year>, my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a auto loan from XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These hard inquiries were reported on my Experian credit file without my knowledge, consent, or authorization, and I am demanding their immediate removal. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Reporting these inquiries without my permission violates 15 U.S.C. 1681b, which clearly defines when a consumer reporting agency may legally furnish a credit report. There was no permissible purpose for these companies to access my file ; therefore, these inquiries are unauthorized. Additionally, this activity violates my right to privacy under 15 U.S.C. 1681a ( 4 ).

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express charged me ( and other customers ) a hidden junk fee called a " return payment fee '' of {$29.00}. I made my credit payment of {$250.00} from my bank account. A day or XXXX later, American Express notified me the payment did not go through due to insufficient funds from this specific bank account. Immediately transferred funds to this bank account from a separate bank account, and then made the {$250.00} payment, which was accepted by American Express. American Express then charged me an additional fee of {$29.00}, which was called a " Return Payment Fee ''. I contacted American Express regarding the charge. They stated it is an additional fee charged to customers when a payment is returned on the account due to Insufficient Funds from the customer 's bank account. This is a hidden junk fee and should not be charged to customers in this manner. The fee is immediately charged to customer without any additional notifications or explanations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
b'On XXXX XXXX XXXX, I lawfully submitted a negotiable instrument to Citibank via certified mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX to settle the balances of my Citibank Costco accounts. I also included a conditional acceptance with clear instructions and a deadline of 10 business days for your institution to respond in writing with acknowledgment, objections, or refusal to the terms proposed.\n\nI sent a letter XXXX XXXX XXXX  Certified Mail: XXXX XXXX XXXX XXXX XXXX XXXX to the Citibank XXXX XXXX XXXX requesting copies of documents, confirmations of accounts, copies of the Conditional Acceptances and Final Notices with a deadline of 10 business days for him to respond  in writing with acknowledgment, objections, or refusal to the terms proposed. \nDespite my legal efforts, Citibank has failed to respond within the contractual time frame, which, under UCC 3-311 and 3-603, constitutes tacit agreement, accord and satisfaction, and discharge of any further obligations on my part. As per these statutes, your failure to reject the offer in the prescribed time has resulted in the discharge of any remaining debt associated with these accounts.\nFurthermore, the lack of response from your institution has caused me significant emotional distress, financial hardship, and economic loss due to your refusal to acknowledge the settlement and continued collection attempts after the debt was considered resolved under the terms set forth in my negotiable instrument.'

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was involved in Intentional Infliction of Emotional Distress ( IIED ) : Engaging in extreme or outrageous conduct that causes XXXX emotional distress mu client.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I do not use Chime since my complaint with CFPB was closed. Now another issue between me and Chime created resistance to close my Chime accounts that I opened with Chime and/or Chime could opened in my name without my knowledge. I stopped to use Chime after I filed a complaint against Chime 's unfair practices for deactivating my Chime Debit card that I couldn't withdraw money from ATM and not allowing me to manage service option to pay anyone and making my rent payment late. It is not understandable why Chime create difficulty to close all accounts in my name, unless Chime intends to use my name illegally. In addition, I did not get any bonus to open account with Chime, not from XXXX and not from Chime for getting my XXXX income direct to Chime. Chime continues send me emails claiming that I get emails from Chime because I have opened accounts. I hope this my complaint won't disappeared and I can successfully file it. The one before disapeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX Email address - XXXX Phone Number - XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern : I am writing in response to a notice I received from your office regarding an alleged debt. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and it serves as my formal request for validation of the alleged debt. Please provide the following information so I may properly evaluate your claim : XXXX. The total amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges. 
XXXX. The name of the original creditor and the original account number. 
XXXX. Documentation showing that I agreed to the debt and that the debt is valid and legally enforceable. 
XXXX. A copy of the original signed agreement or contract ( if applicable ). 
XXXX. Proof that XXXX XXXX, XXXX XXXX is authorized to collect this debt, including chain of title from the original creditor. 
XXXX. Verification that the alleged debt is within the statute of limitations for collection in my state. 
Please also confirm in writing that no negative information has been or will be reported to any credit reporting agency until this debt is validated as required by federal law. This is not a refusal to pay, but a request that your office provide proper documentation. I request that all future communication from your office be made in writing only. Please consider this letter a formal dispute of the alleged debt until validation is received. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX Email address - XXXX Phone Number - XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation under FDCPA To Whom It May Concern : I am writing in response to a notice I received from your office regarding an alleged debt. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and it serves as my formal request for validation of the alleged debt. Please provide the following information so I may properly evaluate your claim : XXXX. The total amount of the alleged debt, including an itemized breakdown of fees, interest, and other charges. 
XXXX. The name of the original creditor and the original account number. 
XXXX. Documentation showing that I agreed to the debt and that the debt is valid and legally enforceable. 
XXXX. A copy of the original signed agreement or contract ( if applicable ). 
XXXX. Proof that XXXX XXXX, XXXX XXXX is authorized to collect this debt, including chain of title from the original creditor. 
XXXX. Verification that the alleged debt is within the statute of limitations for collection in my state. 
Please also confirm in writing that no negative information has been or will be reported to any credit reporting agency until this debt is validated as required by federal law. This is not a refusal to pay, but a request that your office provide proper documentation. I request that all future communication from your office be made in writing only. Please consider this letter a formal dispute of the alleged debt until validation is received. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX  XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

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