vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 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 a complaint against Equifax & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax & Experian 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, Equifax 's & Experians 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 & Experian complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXXFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I WAS INVOLVED IN AUTO ACCIDENT ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A XXXX XXXX XXXX IN WHICH THE XXXX XXXX XXXX XXXX  WAS AT FAULT IT WAS MY RIGHT OF WAY AND HE HIOT MY BACK POASSENGER SIDE BUMPER DENTING IT ALOT THE OTHER DRIB=VER FILED A FRAUDAELNT CLAIM ALONG WITH XXXX POLICE DEPT FALSE REPORTING BEING ON OTHER DRIVER SIDE RATHER THAN THE TRUTH THEY INITIATED THE REPORT THROUGH XXXX WHICH THEN RESOLVED IN RESURGENT ACQUISITIONS LLC IMPOUND WHEN MY VEHICLE IS PAID FOR SHOWING GOOD REPORT THROUGH ORIGINAL CREDITOR BEING XXXX XXXX THEY HAVE CONDUCTED A FRAUDALENT ACTIVITY BASIS SINCE SHOWING TWO SEPERATE DATE FOR ACCIDENT ALSO XX/XX/XXXX AS WELL THEY HAVE CONDUCTED ONLY TO BENEFIT THEMSLEVES IN AN ILLEGAL MATTER THEY ARE KNOWN TO STEAL FROM THE POOR IM AWARE BUT THIS TIME THEY HAVE FAILED AND GOT THEMSLEVES CAUGHT UP MOVING FORWARDE I WILL NOT BE RESPONSIBLE FOR XXXX XXXX  INDIVIDUALS WHO SHOULD BE MENTORS AND NOT FAILURES OF SOCIETY AS WELL AS THE MEDIA I AM NOT LIKED BY THESE DOMESTIC PREPERATORS I DONT SEE THE IMPORTANCE OF IT BUT I DO WANT TO STATE FOR THE RECORD THAT THEIR HAS BEEN ALOT OF PLANES CRASHING ALONG WITH THE WILFIRES AND I STROB=NGLY BELIEVE IT HAS TO DO WITH THEIR PERFORMANCE.I DONT WANT TO BE ANOTHER VICTIM OF THEIR INSANITY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XX/XX/year> I received a notification from Experian stating my FICO decreased in XXXX points. I've tried getting in contact with the bureau but I've had no success. All of my payments are on time and paid in full. 

On the Experian app, I compared reports from XX/XX/XXXX and XX/XX/XXXX. The balance of the XXXX bank account increased by {$180.00}, but I always pay My Statement balance in full each pay period.

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
After my divorce and my name change in XXXX, I requested all of my information to be deleted from my report and list only my current information ; however, I did not follow up due to XXXX  XXXX  issues and multiple XXXX, I had totally forgot to follow up and ensure the request was done. Now with it being the new year and my setting goals toward getting my life in order, I pulled my credit report only to find that absolutely nothing had been updated. My names, addresses, phones numbers, employment histories, and all of my other personal information goes for approximately 10-15 in some instances and some dating more than 25 years old. The only information that should be listed is my current name, address, phone number, and any other information that must be listed. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact.

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter.

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
I recently rviewed a copy of my credit report and noticed I had fraudulets accouts in my report.Pleace remove these accouts from my report they are hurting my ability to obtain credit. XXXXXXXX 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 2025-02-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> To : Experian Experian Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Credit Reporting Agencies , I am writing to formally dispute inaccurate information on my credit report that is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I request a thorough investigation into these inaccuracies as required by federal law.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes, citing inadequate investigations and other unlawful practices. These violations include : Conducting insufficient investigations that fail to properly address consumer disputes.

Reinserting previously disputed and inaccurate information without justification.

Failing to effectively notify consumers of investigation results.

These systemic issues raise serious concerns about the integrity of credit reporting practices. I am deeply concerned that my dispute may be mishandled in a similar manner.

Disputed Information : [ Clearly list the inaccurate items you are disputing, including account names, numbers ( if applicable ), and the specific errors. ] Under the FCRA, I request that you : Conduct a proper investigation into my dispute.

Provide me with a clear and comprehensible response regarding the results of your investigation.

Supply any documentation relied upon if the disputed information is verified as accurate.

Remove or correct any inaccurate or unverified information from my credit report promptly.

If the investigation determines that the disputed information can not be verified or remains inaccurate, I demand its immediate removal or correction. Additionally, I request written confirmation detailing the actions taken regarding my dispute.

If this matter is not resolved satisfactorily, I will escalate my complaint to the CFPB and other relevant agencies.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
i was in the hospital with a XXXX XXXX i was given several tests and i am taking many medications i am not doing well i can not handle the stress from this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
My TransUnion credit score went down XXXX points as reported by XXXX XXXX. I wanted to verify it by logging into my TransUnion account but got an error saying Sorry unexpected error so I called them and was transferred to a chat. The XXXX on the chat told me to reset my password which didnt work. I asked why the score went down and how I could submit a consumer statement and I was told I would have to pay for that which could be done by logging into my account which I cant login into. I was asked how I knew the score went down and I told him XXXX XXXX. He said that its possible that was incorrect and would have to login to my account w

hich Im unable to. Several problems here. I should not have to pay to add a consumer statement and verify my score. Also, are they saying XXXX XXXX is providing incorrect information to consumers?

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 2025-02-16 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: GA

Complaint narrative:
My information is being shared and Investigated without my permission and illegally. Through Experian, TransUnion, and Equifax Laws : 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 asked how a debt was verified from a company called XXXX and have not received any information of the debt. XXXX claims the account information is accurate but has not shown proof the account is accurate, nor as the collection company provided any documentation.

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 2025-02-17 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: OH

Complaint narrative:
My information may have been impacted by the Equifax, TransUnion and XXXX XXXX XXXX and XXXX have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Inquires XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My information may have been impacted by the Equifax, TransUnion and XXXX XXXX XXXX and XXXX have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Inquires XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX without prejudice

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 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well. The reason for my complaint is I made two payments in XXXX because I was given the wrong information by your Macys agent. The first payment of {$280.00} made didnt go through because I had an issue with my bank so I asked the agent was it going to retry he said no I need to make another payment so I made another payment of {$280.00}. The first payment did retry of {$280.00} and it finally went through. The {$280.00} was rejected but then went through when I got paid I reached out to Macys to get the {$280.00} back because I cant afford to make two payments. I was having a hard time getting the {$280.00} so I reached out to Discover bank and filled a dispute because Im only required by law to make my minimum payment which I did. Now today I got a call talking about this is attempt to collect a debt how is it attempt to collect a debt if I made my payment last month as well as this month. The {$280.00} was a double payment now I have fees and everything now its stating my next payment minimum is {$800.00} something dollars I cant afford that. Again this is definitely not my fault because Macys agent should of told me the payment of {$280.00} was going to retry and I would of never made a payment of {$280.00}. Im not understanding how you are calling me attempting to collect a debt on a double payment Im only required to make my minimum payment. Please resolve this and fix what is he minimum due in XXXX because I have not ever had a call to attempt to collect a debt my whole life and Im XXXX. I dont appreciate it at all. If this isnt resolve Im going to take further action. That you are threatening with false information because you received the payment that was on my statement for XXXX and XX/XX/year>.

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 2025-02-16 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: SC

Complaint narrative:
The following accounts are not mine and were not authourized XXXX XXXX XXXX Number : 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