vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, and Equifax. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX 
Addresses that I am also not associated with due to improper use of credit and fraud are listed as follows. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, and Equifax. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX 
Addresses that I am also not associated with due to improper use of credit and fraud are listed as follows. 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

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 2025-03-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
in accordance with Fair Credit Reporting act. The list of accounts below has violated my federally. protected consumer and confidentiality under 15 USC 1681.LVNV FUNDING LLC Account XXXX XXXXXXXX XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
After request to do a proper investigation cash app said they would re-review my account. On XX/XX/year> my account was froze for nothing. Prior they took my overdraft payment services away when I was within their guideline, and no response but, telling me I had not met guidelines of {$300.00} direct rep or I had delinquency part 45 days of unpaid overdraft. With me even sending them proof of my deposit, and history showing no delinquency, I was told no and they closed my account without notice. Causing my direct deposit from Unemployment Insurance to be returned, and delayed 2 weeks! 

Previously have disputed notice of errors with cash app, along with unauthorized transactions, but each one denied or never investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Office of the CEO Department of Student Loans DPT EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject XXXX Request for Goodwill Adjustment of Late Payments Dear CEO, I hope this letter finds you well. I am writing to respectfully request a goodwill adjustment for the late payments reported on my student loan accounts ( XXXX, XXXX, XXXX, and XXXX ). These late payments occurred due to extreme financial hardship caused by circumstances beyond my control. 

During the XXXX pandemic, I faced unexpected job loss while simultaneously welcoming a XXXX into my family. This period of financial instability made it difficult for me to keep up with my student loan payments despite my best efforts. I have since taken significant steps toward financial recovery, including returning to college with financial assistance to further my education and improve my career prospects. 

I deeply value the responsibility of repaying my student loans and have made every effort to stay current on my obligations. However, the late payments on my credit report do not reflect my long-term commitment to financial responsibility. Given the hardships I faced and my renewed financial stability, I kindly request that you consider removing the late payments from my credit history as an act of goodwill. 

This adjustment would greatly assist me in rebuilding my financial standing, securing future opportunities, and ensuring continued success in my education and career. I appreciate your time and consideration and would be truly grateful for any assistance you can provide. 

Please let me know if you require any additional documentation regarding my circumstances. I sincerely appreciate your time and look forward to your positive response. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-03-15 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: OH

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I was trying to rent an apartment and met with the " landlord '' who saw the property, signed the lease/tenancy agreement, and paid my deposit of {$900.00}, split into three XXXX XXXX  payments of {$450.00}, {$180.00}, and {$270.00}. I was never given the keys and the individual stole my money and disconnected their phone. I sent XXXX XXXX the police report. signed tenancy/lease agreement, receipts of payments sent for deposit, and all correspondence between " the individual '' and myself. XXXX XXXX claims they " refunded '' me 2 of the payments. The {$450.00} and {$180.00}, but I never received any of them nor received the {$270.00} either. This has been going on for almost 2 months now and I'm at my whits end. I just want my money back from this fraud. I'm starting to feel like XXXXXXXX XXXX  is the reall scammers here not the individual who actually stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
Experian has 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 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 accounts, as Experian 's inaction violates federal law and my rights as a consumer. 


They said there was a change, but there was no change.

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 2025-03-15 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/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 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/year> My Discover Card purchase XXXX tks., {$330.00} from XXXX XXXX , order XXXX. Informed tks  made available on XXXX XXXX ( not told originally before purchase 2nd party seller ). Told not to print tks. Told to register at XXXX XXXX to get tks. XX/XX/year>, Attempt to retrieve tks. from XXXX XXXX. Email from XXXX XXXX sending log in link to account, no such link received, ( copy of my email received letters no link there ). Contacted original seller XXXX XXXX, reply there was a problem and tks not received. Email to follow with link to choose replacement/full refund. Never received email with link. Notified Discover to dispute charge. XXXX XXXX said I got tks. Discover sided with XXXX XXXX. Someone printed my order with imprint applied I had accepted tks. which I never received any which way. XXXX XXXX claims no monies from XXXX XXXX for tickets too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: AZ

Complaint narrative:
In 2019, Equifax created a mixed credit report file including formation for both myself and my twin sister, who has a similar name, similar address history, and a social security number that is one digit off of mine. 

I followed the Equifax dispute process via physical mail and corrected the information. My sister did as well. I also placed a consumer statement on the file advising Equifax of the error. 

I have requested a manual separation of the files through the dispute process twice now. Despite this, Equifax continues to mix our credit reports whenever my freeze expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-15 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On XX/XX/year>, a XXXX XXXX was triple charged to my credit card in the amount of {$430.00}. I filed a dispute with the CITI credit card. CITI claimed that the reason for the dispute was paid by other means, which I disagree with. It's a simple credit card transaction that was triple charged and I'm not sure why CITI is claiming the " other means '' reason and requesting a copy of the check. 

I contacted CITI credit card on several occasions and spoke with XXXX a manager in the disputes department who told me that I'm out of luck. Unless I provide a copy of the cancelled check there's nothing, she can do for me. CITI credit card is refusing to do anything about this dispute.

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 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resurgent Capital Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Dear Resurgent representative, I am writing to request debt validation for the debt claim you have filed against me. In accordance with my rights under the Fair Debt Collection Practices Act, I am requesting that you provide me with verification of this debt. Please provide me with the necessary documentation to prove the following : 1. The amount of the debt. 
a. Principal balance b. Interest and any other charges. 
2. The creditor to whom the debt is owed. 
3. The name and address of the original creditor. 
4. The date of the default 5. A copy of the original contract or agreement 6. A detailed accounting of all the fees and interest added to the debt. 
7.. Proof that statute of limitations did not expire Please provide this information with 30 of the date listed on this letter, if I don receive a response from you or the information is incomplete I will assume that the debt is invalid and may take further action to protect my rights Please note that I am not admitting to owning this alleged debt, I am just seeking validation for the debt as required by law. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX in into my checking account at Chase branch bank in XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and the money cleared the very next morning. I walked into a branch to make a withdrawal and they told me that I did not deposit cash and that I deposit a check and it is being returned and also told me they could not help me. I have to call a number. I called the number and they said they can let help me. I have to talk to a branch so after three hours, they finally confessed to me that it was an error on, and that the funds was now electronically and that they can not give me me my money and that I would have to wait until Tuesday when its Saturday so now I cant provide for me and my son until Tuesday because of the era the bank made

Company response to consumer: Closed with explanation