vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 account as Experians 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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My Social Security was sold on the dark web, 2 accounts were opened under my name, from two CompaniesXXXX XXXX XXXX and XXXX. I have repeatedly asked for proof of statements, because it was apparently done online, fraudulently using an electronic signature. I kept receiving bills with a different amount Every month. After I refused to make payments, XXXX XXXX, although apparently the same company, were both sending my statements. Then, they started reporting late payments to all 3 credit bureaus, creating a very low credit score for me. Then after they couldnt prove either to be my account, they sold them to a credit collection agency, XXXX XXXX, XXXX. They have closed the accounts, but it is now, recent put back on as 30,60 and 90 day late payments for XXXX, and XXXX 30 day lates and one 90day late, with 2 charge offs. XXXX XXXX company had previously been removed, now its showing as a collection account on my credit report. 
.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I was targeted online with a mystery shopper scheme for extra money was sent a check that had XXXX XXXX XXXX on it so I deposited the check and within 5 hours of realizing it was a scam contacted Chase Bank Fraud services to tell them the check was a scam and also reporting it to the FTC and FBI via internet.There was never any money tried to be spent from the account no money exchanged hands even though I told Chase it was a scam they continued to deposit the check. Now they are extremely rude to me and only wanting to place full blame on me for the check. Refusing to ever in their words to own an account with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
XX/XX/XXXXXXXX  : Started to receive phone calls and emails from Blitt and Gaines regarding a XXXX XXXX debt of {$7100.00} XXXX XXXX : Submitted a written request via email to opt out of communications from Blitt and Gaines. 

XX/XX/XXXX : Submitted complaint number XXXX to the Consumer Financial Protection Bureau XXXX For inaccurate reporting on my credit report. Since Blitt & Gaines owns the debt it should show as a collection and not a closed account with a balance owed to XXXX XXXX. The CFPB sent the complaint to Blitt & Gaines. 
XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : Blitt and Gaines responded. I was unable to open the response XXXX at the time on both my phone and my computer. 

XX/XX/XXXX : I received a letter from XXXX XXXX XXXX XXXX stating that according to public record a lawsuit had been filed against me. I was able to find the case by using the search tool XXXX XXXX XXXX  case number XXXX. 
I reviewed the court activity and see that the following activity took place on XX/XX/XXXXXXXX  : Notice of filing filed, affidavit as to military service filed, summons issued and returnable, consumer debt complaint filed, and new case filing. I can also see that there is a court date of XX/XX/XXXX in circuit court 1 with judge XXXX XXXX XXXX. 
I sent an email to XXXX on XX/XX/XXXX, XXXX requesting information on the summons that I never received. 
I looked up my original CFPB complaint and found that I was able to open the response from Blitt and Gaines P.C, see document in desktop folder Blitt and Gaines. 
It indicates dates that have nothing to do with this debt. The dates were incorrect, the client was incorrect, and I was never served or requested to appear in XXXX XXXX circuit court. I did not even live in IL at the time of this case. 
I was able to obtain the court record that was referenced in their response letter ( XXXX XXXX  ). This court case is not me. XXXX XXXX XXXX XXXXXXXX I responded to my original CFPB complaint and am opening an additional complaint. 

Inconsistancies pertaining to their response on CFPB : I believe they are referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, IL case number XXXX - the dates align with the dates provided in their CFPB complaint response from XX/XX/XXXX but this is not a case related to me. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
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 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, Equifaxs 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 No. 2025-CFPB-0002 ) 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TX

Complaint narrative:
Experian and Equifax have 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 Experian, 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 Experian and Equifax have neither corrected or 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 Experian 's inaction violates federal law rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts marked late when they should not be. These accounts should not have any late payment remarks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
I filed for a trial repayment plan and they placed this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
It kept on saying I owe large amounts of money and kept trying to take it out my account once I had the funds it took some of the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 in response to your communication regarding the credit card debt referenced above, which you claim I owe in the amount of {$1000.00}. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate the debt you claim I owe.

Please provide me with the following information : 1. The amount of the debt, including any interest or fees.

2. The name of the original creditor to whom the debt is owed.

3. A copy of the original credit card agreement or contract that demonstrates I am responsible for this debt.

4. A detailed breakdown of any interest, fees, or charges added to the debt.

5. Proof that you are authorized to collect this debt in my state, including any relevant licensing information. 

Until you provide the requested validation, I request that you cease any further collection activities, including reporting this debt to any credit bureaus. 

Please respond within 30 days from the date of this letter. If I do not receive the requested documentation, I will consider this debt invalid and may take further steps to protect my rights. 

Thank you for your attention to this matter. I look forward to receiving the requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
I am writing to address your reporting on an alleged debt referenced above, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This matter is governed by an arbitration agreement with [ Insert Original Creditor ], which specifies that any disputes must be resolved through arbitration as outlined in the binding agreement. To my knowledge, no arbitration proceedings have occurred, making your collection actions a direct breach of that agreement. As such, I maintain that you lack the authority to pursue this alleged debt. 
I aim to resolve this matter swiftly and cooperatively and request that you take the following actions immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: NJ

Complaint narrative:
I am writing to address your reporting on an alleged debt referenced above, which I believe violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This matter is governed by an arbitration agreement with [ Insert Original Creditor ], which specifies that any disputes must be resolved through arbitration as outlined in the binding agreement. To my knowledge, no arbitration proceedings have occurred, making your collection actions a direct breach of that agreement. As such, I maintain that you lack the authority to pursue this alleged debt. 
I aim to resolve this matter swiftly and cooperatively and request that you take the following actions immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am filing a formal complaint against Halsted Financial Services due to their aggressive and unlawful debt collection practices related to a XXXX XXXXXXXX XXXX account. 

Issues : 1. Harassment & Unlawful Communication : Halsted Financial Services is contacting me via text and email at all hours, including early morning and late at night, violating the FDCPA ( 15 U.S.C. 1692c ( a ) ), which prohibits communication before 8 a.m. or after 9 p.m.

They have failed to honor my request to stop communication through these channels.

2. Failure to Validate the Debt : Despite my requests, Halsted Financial Services has not provided proper debt validation as required under 15 U.S.C. 1692g ( b ).

I never agreed to this alleged debt, and I am requesting a signed agreement proving my obligation to pay.

3. Possible FCRA Violation : If they have accessed or reported inaccurate information to credit bureaus, it could violate FCRA 604 ( 15 U.S.C. 1681b ), which limits access to consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 XXXX number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: IL

Complaint narrative:
Ive received a letter from PAM ( Professional Account management ) LLC which I do not have any account with never signed a contract with this company to do any business with them. Theyve reached out to me about an alleged debt this company should not have my contact information not my personal information such as my name, and address this is a violation of the FCRA, This collection agency shouldnt be contacting me as if I owe them anything this is violation of the FCRA. Respectfully requesting that you provide adequate validation of this debt you claim I owe, along with an agreement giving you the permission to collect a debt or disclosure with my signature giving you the right to collect a debt I allegedly owe, This account is under litigation ; according to FCRA section 605B it is illegal to report information on my credit report without my permission/consent. Please remove this item from my credit report as it is violation of the Fair Credit Reporting Act. However I was not sent a letter stating this information would be reporting to the credit agencies to be placed on my report which is another violation. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) both allow for statutory damages of up to {$1000.00} for violations. This means that a consumer or debtor can recover up to {$1000.00} in damages from a collection agency or credit bureau that violates the law ILLINOIS STATE TOLL HIGHWAY/ PAM LLC is violating the FCRA .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Payment XXXX, I paid twice from the wrong account and received XXXX NSF from XXXX XXXX bank. I finally saw the mistake and payment was withdrawn from my XXXX XXXX account on XXXX. I have attached my XXXX XXXX statement showing the funds leaving my account and going to Planet home Lending, and no NSF activity on the account. This payment is NOT reflected on my customer activity statement, THIS IS THE SITUATION. Planet home lending states it was never drawn because of NSF. I have provided documentation from my bank that the payment with through without fail and there was no NSF. I'm sure they are talking about the XXXX XXXX payments. 

This is the second complaint filed with the CFPB. Planet home lending continues to answer with an account statement that does not reflect my XXXX XXXX payment on the XXXX the issue at hand. There is not a generic answer to this issue, they will need to research until the money is found or they can prove to the bank that the did not receive the funds.

Company response to consumer: Closed with explanation