vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-22 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:
I am filing this complaint against Experian due to multiple unresolved inaccuracies on my credit report. Despite repeated disputes, these errorsincluding incomplete and inconsistent reporting as well as an unverifiable bankruptcy recordremain unaddressed. Experians failure to properly investigate and correct these inaccuracies raises serious concerns about its compliance with consumer protection standards and transparency in its dispute resolution process. Below are the details of the items and reasons for my complaint : Disputed XXXX  XXXX Bankruptcy Records : - Reference # XXXX - Reference # XXXX On XXXX XXXX XXXX, I submitted a dispute through Experians online portal, formally requesting specific details regarding the investigation of these bankruptcy records, including : - The date the furnisher was contacted - The person who verified the item - The method of communication used for verification. - The personal information the furnisher used to confirm the public records accuracy. 
Experian responded via email on XXXX XXXX stating that the disputed bankruptcy record would remain on my credit report but failed to provide the requested verification details. 
On XX/XX/scrub>XXXX XXXX XXXX, I submitted a second request online, calling for a reinvestigation of the XXXX  XXXX bankruptcy records. This request included all required documentation and was submitted following proper dispute procedures. However, Experian has once again failed to respond or provide any results of their investigation. As of today, it has been over 30 days with no resolution or communication regarding these disputed records. 
Experians repeated failure to provide verification details, respond in a timely manner, or conduct a proper reinvestigation constitutes a clear lack of accountability. The absence of transparency in handling this dispute has caused unnecessary distress and negatively impacted my creditworthiness. To substantiate my claim, I have attached copies of my original dispute letters to Experian, along with their inadequate response. These documents demonstrate my consistent efforts to rectify these inaccuracies and Experians repeated failure to address them properly.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SoLo Funds Inc.
State: MI

Complaint narrative:
I have been working with solo fund and happy with the product. Since XX/XX/XXXX. The last loan I took out, I took the time to read the promissory note. It says that borrowers are not obligated to donate to the platform. So I paid the XX/XX/XXXX loan back ( because there was no way to cancel through the website/app per the 3 day entitlement ) in just 24 hours. I believe I should have been able to cancel without a hassle. I just initiated another loan and now I am certain that they don't let you move forward without selecting a minimum 8 % donation to solofund. There is no way to move forward without selecting this. 

Also, I am repaying {$360.00} and my TIL disclosure says my cost of credit is XXXX by the way. I don't mind tipping the people who lend but this should also be included on the TIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
I recently suffered a data breach, and as a result, fraudulent accounts have been reported under my name. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX  XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was a tenant at XXXX XXXX in California. During a financial hardship, I lost my job and informed the leasing office, providing documentation. I also brought in someone with excellent credit to take over the lease, but management refused to allow the transfer, both in person and via email. 

A leasing agent then suggested I add a roommate instead, which I did. Rent was paid and there were no issuesuntil my roommates girlfriend occasionally visited. Even though she didnt live there, management began harassing her and escalating the situation unnecessarily. 

Eventually, they threatened eviction despite rent being paid. To avoid conflict, I had my roommate return the keys. I later received a call from someone at their corporate office, who agreed the situation made sense and assured me it would be handled fairly. 

However, months later, I discovered I was sent to collections without any notice. I was never given the opportunity to dispute the charges, and I only found out after being denied by new apartment applicationscosting me over {$360.00} in non-refundable fees. 

I made every effort to cooperate, follow policy, and resolve the situation fairly. This collection is unjust and harmful to my rental history and credit. I am requesting this debt be removed from collections and erased from my record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
I am writing to formally notify you that the above-referenced account listed on my TransUnion credit report is the result of fraudulent activity and identity theft. I did not open this account with XXXX XXXX, nor did I authorize anyone to open it on my behalf.

This unauthorized account is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). I demand that this fraudulent account be permanently removed from my credit file immediately, as it is damaging my financial reputation and impairing my ability to conduct personal business. 

Let me be clear : this account is not mine. It was opened without my knowledge or consent. Enclosed with this letter are supporting documents, including [ insert applicable documents such as a police report, FTC Identity Theft Report, or an affidavit of identity theft ], which substantiate my claim. 

Under federal law, you are obligated to investigate this matter and remove inaccurate and fraudulent information within 30 days of receipt of this dispute. Failure to act swiftly and responsibly may result in legal consequences, as I am prepared to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office if necessary. 

This is your final notice. Remove this fraudulent XXXX XXXX account ( Account # XXXX ) from my credit report immediately, and provide written confirmation that it has been deleted. I expect a prompt resolution, and I will not tolerate further negligence or delay.

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 2025-05-22 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX assured said, once you successfully satisfied the settlement the account will be removed from your credit report in XX/XX/scrub>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 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On this date, I was notified by Synchrony Bank/Lowe 's XXXX Credit Card that my account was closed due to " inactivity. '' When I reviewed my account, it showed that I had recently used my account as of XX/XX/2025 and that any previous account balance had been paid in full. I then contacted Lowe 's directly and Synchrony Bank to inquire as to why the account was closed, as there were no issues with said account. Lowe 's referred me back to Synchrony Bank, who then told me that it had to my XXXX  Credit Report and that I had a delinquency notated. I pulled my credit report directly from XXXX, and it did not show any delinquencies. I then reached out to Lowe's/Synchrony asking for clarification because there were no negative entries on my credit report.

Their supposed letter for the reasoning for closing my account is based on false information. 1 ) There are no delinquencies on my account. 2 ) They state that the lack of real estate secured loans is a problem, yet this is an unsecured loan account. 3 ) Balances on accounts are too high, as the balances that are reported on the Transunion Report they are referencing are not updated or reflect current information. 4 ) Too many inquiries, yet there is no parameter set or communicated as to the number of inquiries that meet the qualification of " too many inquiries. '' Synchrony 's reckless judgment here has had a profound impact on my credit score. After I pointed out to both Lowe 's and Synchrony Bank their mistakes, they simply kept transferring me back and forth between their companies. I have upheld my end of our credit card agreement, and their decision is short-sighted and based on false pretenses. I am requesting that my account be restored to its previous status and that my credit reports be immediately updated.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am writing to follow up on a recent issue I reported regarding a missing ACH deposit of {$510.00} from XXXX XXXX to my Capital One 360 checking account ending in XXXX. 

XXXX XXXX response confirmed that the deposit was eventually posted on XX/XX/scrub>XXXX XXXX XXXX. However, due to their delay in crediting the funds, my account became overdrawn. This delay forced me into a financial hardship that could have been avoided had the deposit been posted in a timely manner. 

Capital One temporarily fronted the money during the investigation, but once the actual deposit was found and posted, the way they handled the transaction resulted in my account going into the negative. I now owe money because of Capital Ones own delay and mishandling of this depositnot because of any misuse or overdrafting on my part. 

Their response letter does not address the consequences Im now dealing with. Im being penalized for a mistake they made, and Im requesting immediate resolution, including removal of any overdraft fees and correction of my account balance. 

This issue has caused unnecessary stress and financial strain. I am requesting that Capital One be held accountable for creating this problem and that they restore my account to the correct balance as if the deposit had been processed correctly from the beginning. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-22 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: OR

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. Account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4100.00}

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 2025-05-22 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: NY

Complaint narrative:
Im writing to formally dispute inaccurate and unacceptable information that has appeared on my credit report. Whats currently being reported is simply wrong, and Im not going to let it stand unchallenged.

Specifically, the information in question is not only incorrectits misleading and damaging. I did not authorize it, I did not initiate it, and I should not be held accountable for something that does not belong on my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am responding to LVNV Funding LLC 's submission in CFPB Case # : XXXX, and respectfully disagree with their claims. Below are my reasons : 1. LVNV Is Not Licensed in Georgia : LVNV Funding has failed to provide any documentation proving it is licensed to collect debts in the state of Georgia. As a Georgia resident, I am protected under state law that requires third-party debt collectors to hold a valid license to operate. 
2. Validation Still Incomplete : The documents provided do not comply with the full validation requirements outlined under 12 CFR 1006.34 of the FDCPA. They failed to include essential details such as a breakdown of the amount owed, itemization, and a clear statement of consumer rights.

3. FCRA Violation - Improper Credit Reporting : LVNV Funding is reporting this alleged account to consumer reporting agencies without first providing written notice of the negative reporting, as required under the Fair Credit Reporting Act ( FCRA ). This is a direct violation of my rights as a consumer. 
4. No Proof of Chain of Ownership : LVNV Funding has not provided a legitimate chain of title or purchase agreement to prove they own the alleged debt or have legal standing to collect on it. This is a fundamental requirement for debt validation and enforcement. 
Failure to resolve this matter appropriately may result in further regulatory complaints or legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-22 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: NJ

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: NJ

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX, NJ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
Some evergreen financial company threatening legal action for a debt I have no clue about. Asked them to send me notification to valid the debt and they refused. They even called my family members trying to get me to pay a debt I dont know about

Company response to consumer: Closed with explanation