vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : NAME : XXXX XXXX XXXX DATE OF BIRTH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). 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 Regulations E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The investigation process was not accurately completed on multiple occasions

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
Debts is not mines need to be removed from my credit report immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been contacted numerous times via text message, email, and phone calls from this debt collector LVNV Funding. While speaking with them they made me aware of the fact that I have 3 collections accounts with the company. In which I wasnt aware of that. 

The accounts is listed below, XXXX XXXXXXXX secured card {$210.00} date open XX/XX/XXXX - XXXX withdrew all my funds that I deposited on the account and somehow I owe them for a secured credit card. 

XXXX XXXX XXXX XXXX - {$600.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$920.00} XX/XX/XXXX Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/scrub>XXXX I discovered discrepancies in the following account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Company Name : XXXX XXXX - Account XXXX XXXX XXXXXXXX - Reporting Balance : {$220.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: WI

Complaint narrative:
On XX/XX/2025, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX without my approval and was a breach in my personal data. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX were XXXX without my permission and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
there were two unauthorized/ fraudulent transactions made with my card- XXXX. XXXX total $ XXXXXXXX delta XXXX XXXX XXXXXXXX total XXXX XXXX I filed a dispute with Amex on XX/XX/XXXX after noticing the transaction on my billing statements. On XX/XX/XXXX Amex closed the disputes. I contacted Amex earlier today and the person basically stated that they can not do anything assist. 

I filed the disputes on XX/XX/XXXX because I am in the process of doing my taxes and was reviewing all card activity. I did not notice sooner because I use the card a lot and have made many transactions. These were fraudulent transactions that I did not authorize in any shape or form. I kindly request assistance in resolving this matter. I have been an Amex customer for approx. 17 years and would really appreciate personal consideration on this matter. I understand that Amex may have some policies or whatever but given these circumstances I kindly ask for the company 's support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I AM FILING A COMPLAINT AGAINST CASH APP ( BLOCK , INC ) DUE TO INADEQUATE CUSTOMER SERVICE AND UNFAIR PRACTICES WHICH VIOLATE THE CONSUMER FINANCIAL PROTECTION ACT ( CFPA ) 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 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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently seen my TransUnion credit report and noticed multiple accounts being reported that I owe a debt to. These accounts have been disputed but no avail have they been removed. I am a victim of identity theft and have been notified that my personal information was exposed in the XXXX Data Breach. I've been able to have these accounts removed on my XXXX and XXXX consumer report but TransUnion has yet to remove these items as it has been over 30 days since I've gotten a response from them.

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 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to formally dispute the charge-off listed on my credit report associated with Ally Bank XXXX The account in question reflects a charge-off of {$27000.00}, which I believe is inaccurately reported and should be removed. 
Ally Bank has already issued me a 1099-A form for the amount of {$67000.00}, which indicates that the debt was canceled or otherwise settled. Given this, it is improper for this charge-off to remain on my credit report. Reporting both a charge-off and issuing a 1099-A for a higher amount creates a discrepancy that needs to be corrected. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this account be thoroughly investigated for accuracy. If it can not be verified as correctly reported, it must be removed from my credit file immediately. 
Please find attached a copy of the 1099-A form from Ally Bank as evidence supporting my dispute. Additionally, I have included a copy of my credit report highlighting the incorrect charge-off, along with a copy of my ID for verification purposes. 
I kindly request that you update my credit file accordingly and send me a revised report reflecting this correction. If this dispute is not resolved favorably, I am prepared to escalate my request as necessary. 
Please confirm receipt of this dispute and inform me of the next steps at your earliest convenience. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Bounce AI, Inc.
State: KS

Complaint narrative:
I am filing this complaint against BOUNCE AI INC for violating the Fair Credit Reporting Act ( FCRA ) by reporting an inaccurate and unverifiable collection account on my credit report. 

I have never had an account with BOUNCE AI INC, nor have I ever lived at the address associated with this collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Attempts to Resolve This Issue : I previously disputed this account with the credit bureaus ( XXXX, XXXX, and XXXX ) XXXX yet the account remains incorrectly reported on my credit file.

BOUNCE AI INC has failed to provide proper validation of this debt, as required under 15 U.S.C. 1681s-2 of the FCRA.

Reporting inaccurate information after a dispute is a clear violation of the FCRA, specifically 1681i ( Failure to correct errors after dispute ) and 1681s-2 ( Furnishing inaccurate information ). Legal Violations by BOUNCE AI INC : Failure to investi
gate and correct disputed information ( 1681i ) Reporting false information with no proof of debt ownership ( 1681s-2 ) Continuing to report an account linked to an address I have never lived at, which constitutes an FCRA violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$530.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1900.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$930.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$700.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$660.00} Open Date XX/XX/XXXXXXXX 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: CA

Complaint narrative:
Final Complaint Unlawful Debt Collection, Defamation, and Credit Reporting Injury I am writing to formally dispute Discover Banks continued attempts to collect an alleged debt that was lawfully set off in [ Month, Year ] under 12 U.S.C. 411. Despite my submission of lawful payment to discharge the account, Discover Bank has engaged in defamation, fraudulent misreporting, and unlawful debt collection by continuing to report inaccurate information to credit bureaus and restricting my access to the account.

Over the past two years, your actions have resulted in severe financial injury, including but not limited to : Damage to my credit rating, impacting my ability to secure financial opportunities.

Emotional and financial distress due to unlawful collection attempts.

Violation of fair credit reporting laws and contract agreements.

Monetary Relief Demand : As a direct consequence of your misconduct, I am demanding immediate monetary relief of {$10000.00}, reflecting the minimum credit limit allotted to the account. 
Furthermore, I demand the following corrective actions : Immediate cessation of all collection efforts.

Full removal of any negative reporting related to this account from my credit reports.

Restoration of account access to review transactions and confirm compliance with lawful settlement. 
Discover Banks refusal to honor lawful discharge, while simultaneously restricting my account access, constitutes blackmail and unjust enrichment, neither of which are lawful under federal banking and consumer protection laws.

Should this issue remain unresolved within 10 business days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and appropriate legal channels to seek full redress for the injury caused.

There will be an allotted 10 business days to resolve this manner.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MO

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 1681.

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 a 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 if 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 2025-03-17 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> I didn't authorize this inquiry please remove federal trade report number # 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 2025-03-17 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: LA

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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX ( establishes status ), were not added to my account. I called American Express so they could correct the issue. The were not added after a few months and have lowered my status for the year and with it bonuses, awards, points. I called again XX/XX/XXXX as my status had been lowered and nights added to my account for XXXX instead of XXXX. I have wasted several hours of my life over the last XXXX years to get American Express to issue the guaranteed awards and bonuses.

Company response to consumer: Closed with explanation