vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding the ongoing inaccurate and unverified negative reporting on my credit profile. Despite my prior complaints and submitted evidence, you have failed to take corrective action, allowing these inaccuracies to persist and cause continued harm to my credit standing.

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
( PORTFOLIO RECOVERY ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( PORTFOLIO RECOVERY ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: IN

Complaint narrative:
I am writing to formally request the removal of adverse credit information from my credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a XXXX XXXX XXXX XXXX, I am exercising my right under this provision to ensure that inaccurate or unfair information related to my experience is removed from my credit history. 
Accounts to Be Removed : 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 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 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 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  ) supporting Documentation : I have enclosed the required documentation to verify my status as a XXXX XXXX XXXX XXXXncluding [ list the specific documents you are including, such as court orders, law enforcement records, or affidavits ).

Requested Action : I respectfully request that you : 1. Remove all adverse credit information related to these accounts.

2. Update my credit report to reflect this removal promptly.

Under Section 605C, the law permits victims oXXXX XXXX XXXX XXXXo block adverse information resulting from their victimization. I trust that you will handle this request with the care and urgency it deserves. 
Thank you for your understanding and cooperation. Please confirm receipt of this request and provide updates on your progress within the XXXX investigation period required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NH

Complaint narrative:
XXXX  XXXX offered a Match payment program for being behind in payments I wanted to take advantage of this, I paid XXXX for the match payment they only credited XXXXdollars of that payment which isn't showing the other amount I paid, I find this to be deceptive. at this point I Keep getting emails from they stating my account is past due The match program should have been full match of XXXX + XXXX which is only showing XXXX Where is the match payment? where is the rest of my money???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Money was taken from checking account and added to Cash App for unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX 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 any 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 of 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 2025-02-01 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: LEXISNEXIS
State: PA

Complaint narrative:
someone stole my identity. opened a fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
I dont have exact dates, but I had a bill that I was paying off through XXXX XXXX  XXXX and because I didnt pay all of it off it was sent to collections. I had paid XXXX dollars off, I have statements saying I did.

PCRI is who the collection agency got sent my bill too. They said I never paid it, that I couldnt do anything about it and that I had to set up a payment plan. 
They harassed me by saying that they would be filing for a lawsuit if I decided not to pay anything when I said I wanted to know where the money I had paid went, they wouldnt even let me send them the statements saying I paid anything in the first place. I have been paying XXXX dollars a month and they want me to pay the rest off when I get my taxes back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian have never moved bad thing off my report after I paid a credit repair it a few things that was took but now back on there I been trying to get a car an house but it cant seem to get Experian to do what right

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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute several hard inquiries that have been listed on my credit report from [ Credit Bureau Name ]. Upon reviewing my credit report, I have noticed multiple inquiries that I believe were either unauthorized or incorrectly reported. These inquiries are negatively impacting my credit score, and I am requesting that they be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Under my rights as outlined in federal law, specifically 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request written validation of this debt.

Please provide the following information : 1. The original contract.

2. The amount of the debt.

3. The name of the original creditor.

4. A detailed explanation of the debt, including any interest, fees, or additional charges.

Under 15 USC 1692c Debt Collectors can not discuss the debt with third parties without the consumers consent, except to obtain location information. I request that all collection activities cease.

Additionally, I would like to highlight 15 USC 1681b of the Fair Credit Reporting Act ( FCRA ), which prohibits obtaining consumer credit information through false pretenses. Any attempt to misrepresent this debt could result in legal consequences for your agency.

Please treat this letter as a formal dispute of the debt in question. I request that you cease all communication with me regarding this matter until you have provided the requested validation.

I expect to receive this validation within 30 days of the date of this letter. This ongoing situation has prompted me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure my rights are upheld. 

The following inquiries are being disputed : 1. XXXX XXXX  ( XXXX ) XX/XX/year>2023 2. XXXX XXXX XXXX  XXXX ) XX/XX/scrub> 2023 3. XXXX XXXX ( XXXX ) XX/XX/scrub> 2023 4. XXXX XXXX XXXX XXXXXXXX ) XX/XX/scrub> 2023 5. XXXX ( XXXX  ) XX/XX/year>2023 6. XXXX ( XXXX ) XX/XX/year>2023 7. XXXX XXXX XXXX  XXXX ) XX/XX/year>2023 8. XXXX XXXX  ( XXXX ) XX/XX/scrub> 2023 9. XXXXXXXX XXXX XXXX XXXXXXXX ) XX/XX/year>2023 10. XXXX OF XXXX ( XXXX ) XXXX XXXX, 2023 11. XXXX XXXXXXXX ( XXXX ) XX/XX/year>2023 12. XXXX XXXX ( XXXXe ) XX/XX/scrub> 2023 If any of the above inquiries are found to be erroneous or unauthorized, I request that they be deleted from my credit report as required under the FCRA. Please also provide me with written confirmation of your findings and any corrective actions taken. 

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase claims I can withdraw my money from my Coinbase account. That is a lie. Coinbase refuses to send the debit card verification to my bank account so it can verify my debit card for the withdrawal. I have tried to get Coinbase to send the verification numerous times. Coinbase consistently refuses to comply. 

Coinbase offers me no other method to withdraw my money. 

Coinbase has stolen my money and refuses to return it or give me access to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I'm receiving text messages from TrureAccord with a link attached to it. The text message asks me to click the link for my debt account. The text doesn't have a phone number or a point of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
This is the fourth time that I have been the victim of identity theft. I have tried calling multiple times to report fraudulent inquiries on my credit reports with all three agencies ( Experian, Equifax and TransUnion ). I have either been hung up on or they refused to remove the fraudulent inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is the fourth time that I have been the victim of identity theft. I have tried calling multiple times to report fraudulent inquiries on my credit reports with all three agencies ( Experian, Equifax and TransUnion ). I have either been hung up on or they refused to remove the fraudulent inquiries that I did not authorize.

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 2025-02-01 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XX/XX/XXXXXXXX {$3800.00} XXXX XX/XX/XXXXXXXX {$3000.00} XXXX XXXX XXXX XXXX {$35000.00} These credit accounts are the results 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 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I pull my credit report from experience and noticed that I had a account on there from XX/XX/XXXX that has been closed and charged off so I called and asked if they could remove it off my credit report and they said it would have to stay on there for seven years when I know thats not right

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 2025-02-01 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: Synovus Bank
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XX/XX/XXXX, DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Aggressive Complaint Regarding Continued Violations by XXXX Dear Sir/Madam, I am writing to express my profound frustration and dissatisfaction with the ongoing malpractices exhibited by XXXX, particularly in light of the recent order by the CFPB requiring XXXX to pay {$15.00} XXXX for its improper investigations of credit reporting errors. It is unacceptable that, despite this ruling, XXXX continues to engage in practices that blatantly violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. 

As evidenced by my recent experiences, XXXX has failed to conduct adequate investigations into disputed information in my credit report. Attached is a letter from First Progress Card, demonstrating that they updated my information and reported it to all three credit bureaus. Despite this, XXXX has continued to report inaccuracies that do not reflect my true credit history. 

It is astonishing that XXXX can disregard the requirements set forth by the FCRA, which clearly mandates compliance and accountability in the handling of consumer credit information. The blatant willful noncompliance exhibited by XXXX not only undermines consumer trust but also causes significant harm to individuals who rely on accurate credit reporting for their financial wellbeing. 

Under 15 U.S.C. 1681n, I am entitled to actual damages incurred as a result of these violations. The lack of thorough investigations into disputed information has led to adverse effects on my credit score and financial opportunities. It is imperative that the CFPB and FTC take immediate and decisive action against XXXX to ensure they are held accountable for their continued negligence. 

I urge you to pursue this matter with the seriousness it warrants and to enforce the necessary measures to protect consumers from XXXX ongoing misconduct. The time for leniency has passed ; XXXX must be made to comply with the law and restore integrity to the credit reporting process. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Can not see my report. TRANSUNION IS VERY HARD TO DEAL WITH. THEY WONT SHOW SCORE, MISUSE MY FREE CREDIT CHECK SO I CANT USE IT. THEN PLAY GAMES LIKE SENDING BACK SECURE DOWNLOADS OF REPORTS I CAN NOT ACCESS ... ITS THERE PLOY TO NOT GIVE TOU THE INFORMATION THEY HAVE. BUT XXXX THEN THROUGH XXXX & YOU CAN SEE YOUR TRANSUNION. TOOK ME OVER A YR AND A HALF TO FIGURE IT OUT! ( CREDIT GOES TO THE WIFE! ) THEY Play hard ball because they know they've Re-inserted old claims back onto your profile. And don't want you to see them, let alone correct or dispute them. 
I Believe they wer part of selling my information to third parties collective companys...

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 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is furnishing inaccurate information on my consumer report. There is a hard credit inquiry by XXXX XX/XX/XXXX on XX/XX/year>2024 that I did not initiate or give consent for. This inquiry is a result of identity theft and needs to be removed immediately. I did not authorize this credit inquiry. I have already contacted Transunion directly to resolve the matter yet they refuse to take any action or acknowledge my claim. Transunion is required by law to furnish 100 % accurate information on consumer reports and they are not doing so. This inaccurate information is causing severe harm to my personal life and Transunion needs to be held accountable. I asked the representative on the phone to provide verification that this information is correct and they refused to provide this information. If there is clear validation that this inquiry was in fact made by me the consumer, please provide me the method and process used for verification. If this can not be provided, the inquiry needs to be removed 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EdFinancial Services
State: IL

Complaint narrative:
Multiple items effecting my credit score some I have already tooken care of but other that Im not aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXXXX/XX/XXXXXXXX {$3800.00} XXXXXX/XX/XXXX XXXX {$3000.00} XXXX XX/XX/XXXXXXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$35000.00} XXXXXX/XX/XXXX XXXX XXXX {$0.00} These credit accounts and hard inquiries are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App case number : XXXX Cash App complaint number : XXXX Action occurred on XX/XX/year>2025 after a repayment in the amount of {$100.00} was processed. My remaining of {$93.00} is missing and unaccounted for. 

A cash representative advised that she did not show my payment of {$100.00} and did not know a reason for my missing funds after her review of my account. 

She continued to tell me she would transfer me to Cash Apps Lending department. When questioned about why I had not been transferred as told. She told me that their lending department would contact me via email. She was asked to provide a phone number or email address for that department but refused. 

A second representative echoed the first. I spoke with a person using Cash Apps app and also requested a provisional credit while investigated the issue of my missing funds. All refused. They were informed of the hardship they were causing me and my family.

Company response to consumer: Closed with explanation