vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
XXXX XXXX is a debt collection agency that was hired by XXXX XXXX to collect on an outstanding debt in the amount of {$24000.00}. The debt is in my name, but I've never purchased anything from XXXX XXXX. All of my credit cards and all other loans are current. 

XXXX XXXX contacted me on XX/XX/year> to inquire about the debt and attempt to collect. I informed them that this is not a debt that I owe. They then sent me a Notice Letter acknowledging my claim of fraud and/or identity theft on XX/XX/year>. 

I filed a police report with the XXXX police department in XXXX  on XX/XX/year>. I spoke with XXXX XXXX over the phone to file the report. Her email is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX  XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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 2025-01-23 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX  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 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: North State Acceptance, LLC
State: WV

Complaint narrative:
I do not know specifics of amounts but I wish to have this wrong debt collection off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my XXXX XXXX down unfairly.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reported the missing cards on my credit report and the companies responded with letters with the information about those cards, so the cards do exist, but no one explained who removed them from the credit bureaus. 
I called Equifax in XX/XX/year> to report this issue and this told that credit cards XXXX not report, that I need to contact them to see what happened to the card information deleted from my credit report. 
XXXX XXXX : XXXX Buy- {$7800.00}, XXXX XXXX Depot- {$580.00} XXXX XXXX XXXX {$4900.00} ( this XXXX XXXX and was not reported before to CFPB ), XXXX XXXX- {$1200.00} and XXXX {$6800.00} I am still waiting the information on my credit report from Equifax. 
XXXX and XXXX have the information deleted too.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
ESTA EMPRE SE A NEGADO A ELIMINARME INQUIRES, LO CUAL NO E AUTORIZADO Y AUN SABIENDOLO Y CONTYACTANDOLON POR TELEFONO Y HACIENDO VARIAS DISPUTA A TRAVES DE ESTA PLATAFORMA SE NIEGA A ELIMINARLO SI BERIFICAR ESO INQUIRES, NEGANDOME UN CREDITO JUSTO.

INQUIRES EL CUAL QUIERO SU ELIMINACION EN CUAL NO DI CONSENTIMIENTOS. 
XXXX XXXX XXXX AUTO XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX AUTO XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX  CO XX/XX/year> XXXX BANK XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX  ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX failed to tak-timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of ( Rentrecoverysolutions XXXX ) Account Due to Identity Theft Dear Equifax, I am writing to formally dispute the inaccurate information on my credit report regarding the ( Rentrecoverysolutions XXXX ) account, which I did not authorize and is a direct result of identity theft. 
This account is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that you maintain accurate and complete information in consumer reports. 
Under 1681i ( a ) of the FCRA, you are obligated to investigate disputes and correct or delete any unverifiable information. Additionally, according to 605B, you must delete any fraudulent information within four ( 4 ) days of receiving notice of the identity theft. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and I have attached relevant documentation to support my claim. 
The presence of this fraudulent account on my credit report has caused me significant emotional distress, including XXXX and anxiety, as I have been denied credit opportunities and faced undue scrutiny. This situation is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from abusive practices. 
I demand the immediate deletion of the Rentrecoverysolutions XXXX account from my credit report within XXXX days, as mandated by law. Additionally, I expect compensation of {$1000.00} for the severe emotional toll this situation has taken on my mental health and well-being. 
If this matter is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal recourse for the damages I have incurred. 

Please confirm the removal of this account and any compensation due to me within the required timeframe. 
Sincerely, XXXX XXXX XXXX : 1. Identity Theft Report 2. Proof of Identity 3. Relevant Correspondence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: WA

Complaint narrative:
It is regarding an insurance claim check for a water damage incident at my house, that my mortgage bank, PNC, is refusing to release. The damage occured in XX/XX/XXXX. I got contractors to restore my house. Based on the original repair estimate, I had received a check in XX/XX/XXXX, from my insurance adjuster to get the repair started. After multiple phone calls and explanations, that check was endorsed by PNC and I was able to pay the contractor after they completed the repair work in XX/XX/XXXX. As expected though, the original estimate did not cover the total cost of repair. There were additional costs / supplemental invoices that I paid to my repair contractor. My adjuster approved the supplemental invoices and sent me another check payable to myself and PNC Bank. I sent the checks to PNC bank for endorsement. They received the check on XXXX XX/XX/XXXX, but took no action on it for several days. Their websiteXXXX XXXX did not indicate anything was amiss. When I called them, they said they would need a letter from my adjuster on an insurance company letterhead, explaining what this check was for. I informed my adjuster, and he got in touch with PNC. He then signed and uploaded the requested insurance letter on a company letterhead on XXXX XXXX XXXX XXXX XXXX XXXX when i called PNC again, they said that that letter is not enough and that they need an updated adjuster 's worksheet. But the letter itself has the complete breakdown and all the details they need to release the funds. They falsely claimed that my adjuster told them that he was going to share an updated worksheet. The adjuster never told them anything like that. Still, he went ahead and uploaded all the invoices to reflect the total expenses he was reimbursing me for. Till now, PNC has not released the second check which amounts to more than XXXX XXXX 
I have already paid the contractor and am struggling to make ends meet without the XXXX which is legitimately my money that PNC is holding back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: KEYCORP
State: OR

Complaint narrative:
Ive used XXXX to take money bank and forth between friends and family believing it to be a safe and secure, encrypted form of transferring money. Then would get text message asking to verify information of purchases being made on line. Causing me to cancel my cards, order a new one and go to the trouble of having of having another type of payment ready. All in all it was very annoying. Now Im wondering- do we just un install XXXX from our phones?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Services XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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 explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Services XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There should only be one address in my report, which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of the incorrect employers listed below : XXXX XXXX XXXX XXXX XXXX The only job I need listed is : XXXX XXXX XXXX XXXX Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 records of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: TX

Complaint narrative:
I am filing 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 that the account is accurate, without a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. sec 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. sec 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TX

Complaint narrative:
I am filing 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 that the account is accurate, without a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. sec 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. sec 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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