vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All 3 credit companies have wrong address and number on my credit report. I have sent in numerous dispute and proof of my one and only address nothing has been update

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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been notified that a lien was filed against my home due to a credit card opened in my name with Citibank. I contact Citibank to advise I have no accounts with them and that the balance in question was not mine.

The rep I spoke with indicated they would note the account, but nothing has been done since I contacted them on XX/XX/year>24.

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 2025-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore, XXXX  actions contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with necessary proof of investigation. 
XXXX XXXX which is showing as negative on my report in the amount of {$1200.00}. 
I have disputed this is inaccurate and I was never made aware of this.

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 2025-01-24 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: AZ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Futhermore,XX/XX/XXXX actions contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with Federal Law and provides consumers with necessary proof of investigation. 
XXXX XXXX which is showing as negative on my report in the amount of {$1200.00}. 
I have disputed this is inaccurate and I was never made aware of this.

Company response to consumer: Closed with non-monetary relief
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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NoXX/XX/XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate : XX/XX/XXXX

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/year> and responded on XX/XX/year>, XXXX XXXX  XXXX and TransUnion has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting.

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful.

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office.

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity.

Thank you for your time and 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 non-monetary relief
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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
DISPUTE OF INACCURATE ON CREDIT REPORT This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. 8:25-cv-24 ).

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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Full Compliance Sweep of Non-Compliant Debt Collectors DearXX/XX/XXXXDispute Department, I am writing to formally request a review and compliance audit of all accounts reported on my credit file to ensure full adherence to Metro 2 standards. As you are aware, Metro 2 compliance is crucial for ensuring that all information reported to the credit bureaus is accurate, complete, and in compliance with the Fair Credit Reporting Act ( FCRA ).

Specifically, I am requesting a full sweep of all reported accounts to verify that the following standards are met for each tradeline : 1. Accuracy : All reported information, including account balances, payment history, status, and dates, must be accurate and verifiable.

2. Validation of Accounts : All debt collectors reporting accounts to my file must provide full validation of the debts, including proper documentation to substantiate the claims.

3. Compliance with the FCRA : Any account that fails to meet FCRA requirements or Metro 2 standards should be removed from my credit file immediately.

I believe some of the accounts reported by debt collectors may not meet these standards. In particular, please ensure that : All accounts have accurate and updated information.

Accounts are reported in the correct status, including any that may be beyond the statute of limitations.

Any unverifiable accounts are promptly removed.

Please provide me with a detailed summary of the actions taken, including confirmation of compliance for all accounts and notification of any deletions or corrections made. 

I trust that XXXX will handle this request promptly and in accordance with its legal obligations. Thank you for your attention to this matter. Please contact me directly should you require additional information. 

Sincerely, XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XX/XX/XXXXXX/XX/XXXX

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im fed up. The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score.

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 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MO

Complaint narrative:
I am writing to file a formal complaint against my bank, BNY Mellon, regarding its mishandling of a chargeback dispute I initiated. I believe that BNY Mellon failed to properly investigate my claim and did not provide me with a fair opportunity to present evidence supporting my case. This complaint relates to a transaction for goods and services that were misrepresented by the merchant, XXXX XXXX. 

The transaction in question occurred on XX/XX/year>2024, when I was charged {$240.00} by XXXX XXXX for what was advertised as a legitimate telehealth consultation, prescription, and medication. However, the goods and services provided did not meet the advertised or reasonable standards : Misrepresentation of Goods and Services : The medication I received, compounded XX/XX/XXXX, was shipped by XXXX XXXX. I discovered that XXXX XXXX is not properly licensed to ship medication to my state ( Missouri ) and lacks a sterile compounding permit in their own state of Florida, which is required to legally compound sterile injectables. 

When I attempted to dispute this transaction with BNY Mellon, the bank did not fulfill its obligations underXX/XX/XXXX chargeback rules. Specifically : Failure to Investigate Properly : BNY Mellon denied my dispute without conducting a thorough investigation. The decision was made without requesting or allowing me to submit supporting documentation, including evidence of the misrepresentation by the merchant and evidence of the merchant initially agreeing to give me a refund. 

Violation of XXXX Chargeback Procedures : XXXX chargeback guidelines are designed to protect consumers in cases of misrepresentation or defective goods and services. BNY Mellon did not adhere to these guidelines by prematurely closing my dispute without proper evaluation or explanation of the facts I presented. The bank failed to ensure that my claim was thoroughly investigated as required by Visas dispute resolution framework. 

Consumer Harm : As a result of BNY Mellons inadequate handling of my dispute, I am left with a financial loss of {$240.00} and no recourse for the unsafe and misrepresented product I received. 

This lack of action and disregard for standard chargeback dispute protocols by BNY Mellon has caused me significant frustration and financial harm. I expect my bank to act in good faith and comply with XX/XX/XXXX rules to ensure fair treatment of disputes.

I have attached relevant evidence, including correspondence with the merchant, documentation of their misrepresentation and licensing deficiencies, and details of the transaction. I hope the CFPB will take appropriate action to ensure that BNY Mellon upholds its responsibilities underXX/XX/XXXXchargeback rules.

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 47 financial loss, and I seek appropriate redress 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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Creditor Information SYNCB/NETWRK XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Last payment : XXXX. XXXX, XXXX Current Payment Status Charge-off Amount past due {$2400.00} Worst Payment Status 60-89 Days Late Account Details Account status : Derogatory Type : Charge Account Closed : 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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sparrow Financial, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the wrongful closure of my Sparrow card account and my request for a refund. My account was wrongfully closed due to a misreporting that it was included in my bankruptcy filing. However, the account was not included in my bankruptcy, and I have supporting documentation to verify this.

Here are the details of my complaint : Account Information : Name : XXXX XXXX Account Number : XXXX Card Issuer : Sparrow Card ( issued by [ Sparrow Card 's partner ban XXXX XXXX ) My Bankruptcy Details : I filed for bankruptcy in XX/XX/XXXX. 
I was discharged from bankruptcy in XX/XX/XXXX. 
I obtained my Sparrow card in XX/XX/XXXX. 
If the account had been included in bankruptcy, it should have been closed at that time, and I should not have been able to make payments. 

Payments Made : XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$35.00} XX/XX/XXXX : {$300.00} These payments were made after my bankruptcy discharge, and I should not have been able to make these payments if the account was indeed included in my bankruptcy. 

The Issue : I noticed on my credit report that the Sparrow card was being incorrectly reported as account included with bankruptcy. When I contacted Sparrow card to address this issue, they acknowledged the error and proceeded to close my account. However, I do not understand why this action was only taken after I raised the issue, especially when the account should have been closed when I filed for bankruptcy, and I should not have been able to make payments on it. 

My Request : I am requesting a refund of all payments I have made toward this account, as the closure was based on incorrect information. I believe I am entitled to these refunds due to the erroneous reporting and the improper handling of my account.

Resolution Sought : I am asking the CFPB to assist in facilitating a refund for the payments Ive made to Sparrow card, as I feel I have been wrongfully charged and my account has been mishandled.

Please let me know if you need any additional information to proceed with my complaint. I would greatly appreciate your assistance in resolving this issue as soon as possible.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I received an email from XXXX XXXX, ( XXXX ) XXXX from MCA Collection Agency on XX/XX/year> that belittled me. She was trying to bully me and even threatened me to pay the bill. She told me that she would report me to urgent care from which the bill is from to inform them not to service me anymore if I need medical attention. She told me I wasnt intelligent because I didnt pay my bill. She sent me a copy of my license as well which I find a breach of privacy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach involving XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX ACOUNT # XXXX 2. XXXX OF XXXX ACOUNT # XXXX 3. XXXX OF XXXX ACOUNT # XXXX 4. XXXXXX/XX/XXXXXXXX ACOUNT # XXXX 5. XXXX XXXX ACOUNT XXXX XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This debt collection agency is falsely representing itself as a medical office. Their repeated calls during my working hours are disrupting my employment, and I have no record of the alleged debt.

Company response to consumer: Closed with non-monetary relief