vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received collection attempts from Midland Credit Management regarding an alleged debt ( Account # XXXX ). On XX/XX/year>, I sent a formal written request to validate the debt and asked for : A signed contract between both parties A signed invoice or complete accounting ledger Proof of lawful assignment or ownership of the alleged debt Legal explanation of how they obtained my personal information MCM failed to provide any of these items and instead sent a generic account statement. On XX/XX/year>XXXX I followed up, reiterating my request and emphasizing that a statement is not lawful proof of debt. I again instructed them to cease all collection activity until proper documentation was provided. 

They have continued to contact me and pursue collection without complying with my requests. 

This constitutes a clear violation of : 15 USC 1692g ( b ) of the FDCPA ( failure to validate a debt upon written request ) Unauthorized use of personal information under federal privacy regulations Harassment, by continuing to pursue a disputed and unverified claim They have ignored two documented written disputes and continue their collection attempts without meeting the legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/year>, I was charged {$59.00} through my Apple Card for a subscription to the XXXX XXXX XXXX XXXX app. The app advertised a two-week free trial, but I was charged the full annual amount immediately upon signup.

Believing the trial was active, I used the app. When I discovered I had been charged in full without the trial being honored, I submitted two refund requests to Apple. Both were denied with no meaningful review.

I then contacted the app developer directly. They responded in writing, confirming the charge was unintended and that they fully supported issuing a refund. Despite this confirmation, Apple again denied the refund, and Apple Card Support refused to initiate a chargeback.

Goldman Sachs, as the issuer of Apple Card, is responsible for managing disputes on this card. I have exhausted all internal escalation attempts. This is a case of deceptive subscription billing, compounded by a failure to honor the refund process even with the vendors support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: KY

Complaint narrative:
Subject : Formal Complaint Inaccurate & Inconsistent Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complained About : XXXX XXXXType : Bank / Credit Card IssuerAccount # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : I am filing this complaint against XXXX XXXX and the credit bureaus ( Experian, Equifax, and TransUnion ) for failing to ensure accurate, consistent, and verifiable reporting of the above-mentioned account. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and fails to meet Metro 2 compliance standards.

Violations & Inaccuracies Identified : 1. Inconsistent Account Ratings : * TransUnion & Experian report the account as Paid.

* Equifax reports it as Derogatory. 
2. This inconsistency creates confusion and damages my creditworthiness. ( 15 U.S.C. 1681e ( b ) ) 3. Incorrect High Balance : * Experian reports a high balance of {$0.00}, while TransUnion and Equifax show {$3200.00}.

4. This is materially false and impacts my debt-to-limit ratio.

5. Conflicting Date of Last Activity : * TransUnion and Experian show activity in 2024, while Equifax shows it as 2021.

6. This leads to potential re-aging of the debt and could extend negative reporting beyond the legal limit.

7. Contradictory Creditor Remarks : * TransUnion states : Payment after charge off.

* Experian states : Unpaid balance reported as a loss.

* Equifax states : Paid charge off.

8. The same debt can not be both paid and unpaid. This is a clear violation of Metro 2 reporting guidelines.

9. Incomplete/Missing Payment History : * TransUnion : None reported * Experian : 17 months of consecutive charge-offs * Equifax : No history shown 10. Bureaus are obligated to report accurate and complete history under 15 U.S.C. 1681e ( b ).

Legal Violations : * 15 U.S.C. 1681e ( b ) Inaccurate, inconsistent, and conflicting data across bureaus.

* 15 U.S.C. 1635 I was not properly notified of my rights nor given accurate disclosures.

* 15 U.S.C. 1692g No proper validation of debt was ever provided by XXXX XXXX XXXX  Metro 2 Guidelines The data is not reported in a consistent or compliant format.

Resolution Requested : I respectfully request : * Immediate deletion of this inaccurate XXXX XXXX account from all credit reporting agencies.

* Written confirmation that this account has been removed.

* Investigation into XXXX XXXX reporting practices and bureau procedures.

* Enforcement of compliance with federal laws and industry-standard Metro 2 formatting.

Supporting Documents : I have attached my credit report screenshots highlighting the inconsistencies and violations. I am prepared to provide additional documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed a collection appearing on my report. I do not have any knowledge of this collection account. I do not have a contract with this company. 

-XXXX  XXXX XXXX acct # XXXX Please delete from 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not investigate my dispute within the XXXX day legally applicable time frame. They have refused to investigate my complaint within XXXX days 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource reported a negative claim on my credit report on behalf of XXXX XXXX Everything was turned into XXXX before the trial period was over. This is the 2nd time that XXXX did this to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: EAGLE BANCORP, INC.
State: VA

Complaint narrative:
Very messy saving account ledger. Wrong fee applied. Verbally accept to remove the fee.by phone call, refuse to written request email, phone text message, lack of respond to their own login messaging system. Even on phone call don't address raised issue, talk about made up of unrelated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ALL THREE BUREAUS CONTINUOUSLY KEEP PUTTING THE WRONG NAME ON MY CREDIT REPORTS. 

MY NAME AND ADDRESS SHOULD REPORT AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX NOTHING ELSE SHOULD BE ON MY REPORTS.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
ALL THREE BUREAUS CONTINUOUSLY KEEP PUTTING THE WRONG NAME ON MY CREDIT REPORTS. 

MY NAME AND ADDRESS SHOULD REPORT AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX NOTHING ELSE SHOULD BE ON MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the conduct of Transunion Reporting Agency, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Despite my repeated efforts to resolve these issues directly with the agency, there has been no satisfactory resolution. The specific issues I have encountered are as follows : 1. * * Inaccurate Information : * * My credit report contains inaccurate information that I have repeatedly disputed, but the credit reporting agency has failed to correct or remove these errors. 2. * * Failure to Investigate Disputes : * * Upon disputing the inaccuracies, the credit reporting agency is legally required to investigate and respond within 30 days. 3. * * Inadequate Customer Service : * * My attempts to communicate with the credit reporting agency have been met with inadequate responses, long delays, and lack of meaningful assistance. This has significantly hindered my ability to resolve the issues at hand. These actions have adversely affected my credit score, causing financial and emotional distress. I have attached copies of my dispute letters, the responses ( or lack thereof ) from the credit reporting agency, and any other relevant documentation for your review. I am requesting the CFPB to : 1. Investigate the practices of Transunion, Equifax, and Experian reporting in relation to my case. 2. Ensure that the inaccurate information on my credit report is corrected. 3. Take appropriate enforcement action to prevent these violations from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the conduct of Transunion Reporting Agency, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Despite my repeated efforts to resolve these issues directly with the agency, there has been no satisfactory resolution. The specific issues I have encountered are as follows : 1. * * Inaccurate Information : * * My credit report contains inaccurate information that I have repeatedly disputed, but the credit reporting agency has failed to correct or remove these errors. 2. * * Failure to Investigate Disputes : * * Upon disputing the inaccuracies, the credit reporting agency is legally required to investigate and respond within 30 days. 3. * * Inadequate Customer Service : * * My attempts to communicate with the credit reporting agency have been met with inadequate responses, long delays, and lack of meaningful assistance. This has significantly hindered my ability to resolve the issues at hand. These actions have adversely affected my credit score, causing financial and emotional distress. I have attached copies of my dispute letters, the responses ( or lack thereof ) from the credit reporting agency, and any other relevant documentation for your review. I am requesting the CFPB to : 1. Investigate the practices of Transunion, Equifax, and Experian reporting in relation to my case. 2. Ensure that the inaccurate information on my credit report is corrected. 3. Take appropriate enforcement action to prevent these violations from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: OR

Complaint narrative:
I got a back ground check done for employment at XXXX XXXX XXXX XXXXXXXX Oregon, XXXX and it came back with XXXX  XXXX for XXXXXXXX XXXX. I've never been charged with such charges nor do I ever plan too.

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 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
My PayPal account was hacked and the hacker withdrew money into his/her account. I advised PayPal the debt was disputed and fraudulent. I provided a certified letter to PayPal with documentation backing up my claim that the debt was fraudulent. This letter also demanded a cease and desist of collection activities. PayPal sent the debt to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Block, Inc.
State: MS

Complaint narrative:
Complaint : against Cashapp Im filing this complaint regarding the Borrow loan feature on Cash App. I paid off my loan in full over three months ago and have maintained positive account activity since. Despite this, I have been blocked from using the Borrow feature again.

After receiving repeated generic messages from customer service, I finally received a message stating that due to previous delinquency ( a late payment that was ultimately resolved ), Im no longer eligible for Cash App Borrow. However, there is no information in the loan agreement or communications that outlines how long this lockout will last, how I can fix it, or whether its permanent. 

What I find troubling is : There was no proactive communication from Cash App when Borrow was disabled. 
There is no transparency or clear policy on reinstatement after repayment. 
Ive been a loyal user and repaid my debt, yet theres no path forward. 
Im not asking for special treatmentjust a fair process and real answers. I would like Cash App to explain clearly : 1. Whether the Borrow lockout is permanent or temporary.

2. What steps I can take to become eligible again.

3. Why this information wasnt shared before or during the loan process.

I feel this situation is unfair and misleading to consumers who are trying to rebuild trust and good standing after resolving a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the conduct of Transunion Reporting Agency, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Despite my repeated efforts to resolve these issues directly with the agency, there has been no satisfactory resolution. The specific issues I have encountered are as follows : 1. * * Inaccurate Information : * * My credit report contains inaccurate information that I have repeatedly disputed, but the credit reporting agency has failed to correct or remove these errors. 2. * * Failure to Investigate Disputes : * * Upon disputing the inaccuracies, the credit reporting agency is legally required to investigate and respond within 30 days. 3. * * Inadequate Customer Service : * * My attempts to communicate with the credit reporting agency have been met with inadequate responses, long delays, and lack of meaningful assistance. This has significantly hindered my ability to resolve the issues at hand. These actions have adversely affected my credit score, causing financial and emotional distress. I have attached copies of my dispute letters, the responses ( or lack thereof ) from the credit reporting agency, and any other relevant documentation for your review. I am requesting the CFPB to : 1. Investigate the practices of Transunion, Equifax, and Experian reporting in relation to my case. 2. Ensure that the inaccurate information on my credit report is corrected. 3. Take appropriate enforcement action to prevent these violations from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2025-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint XX/XX/2025 To Whom It May Concern, I am writing to formally file a complaint regarding a prepaid Visa gift card associated with the website www.prepaidgiftbalance.com. The card was purchased with a {$100.00} balance, but I have been unable to activate or use it. Upon attempting to activate the card online at the designated website, the system failed to process the activation, even though I entered all the required information correctly. I attempted multiple times, without success. 
Following this, I called the customer service number listed on the back of the card. The representative I spoke with offered only a promotional offer unrelated to the activation issue and provided no assistance in resolving the problem. The call was abruptly disconnected without resolution. 
At this point, I am unable to access the {$100.00} that was paid for the card. The lack of functionality and customer support raise serious concerns about the legitimacy and consumer protections associated with this card and its provider. 
I am requesting that this matter be investigated to determine whether this constitutes a deceptive or unfair business practice. I also ask for guidance on recovering the full {$100.00} value of the gift card or otherwise receiving proper compensation. 
Thank you for your time and attention to this matter.

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