vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was opened, paid, and closed SEVERAL years ago. This credit union continues to re-post old information on my credit report which brings down my credit age and lowers my credit score. I want this information REMOVED PERMANENTLY.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have an account with Chime. I get paid from my job through direct deposit from XXXX XXXX XXXX. I was paid {$410.00} on XX/XX/2025 and tried accessing the funds that same night to order an XXXX  ride home. My card declined and when I asked XXXX  why they said it was due to the bank suspecting fraud. I had not received a text from Chime so I decided to check the app but there was no alert nor was there a history of the failed transaction. I decided to wait a bit and try again but no luck. I was stuck at work trying to call them to get answers. I was able to speak with a representative who asked me to text " start '' to XXXX. I did that and received a message from Chime thanking me for opting in. Then she instructed me to try the transaction again. It did not work. She then escalated it to a supervisor who told me the system had flagged my account and all I could do was wait XXXX hours and try again. It has now been a week, and I have not received any help from Chime. I have called several times, spoken to many representatives who could not assist me and only told me to wait. I am now late on several bills including my phone bill, my energy bill and I have not been able to purchase groceries. I also had to miss work on Friday because I could not afford to get there. Nobody is able to help, and now I am being told that if I decide to close the account it will take XXXX  days to receive a check. At this point I am going to close the account but I am still worried I will not receive any funds since the Chime team seems very incapable of assuring me. I was also told that my account was locked due to security issues but I have never received any fraud alerts by mail, text, email or call. I have never been asked to approve a transaction. It just declines everything and from my end it doesnt even show the denied transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CL Holdings LLC
State: PA

Complaint narrative:
did not sent any evidence of properly re-investigating the debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just checked my credit report and it's loaded with inquiries I don't recognize, all because some company decided to pull my credit without my permission. This is a complete invasion of my privacy and it's messing with my life!

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 2025-01-29 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: AL

Complaint narrative:
Equifax XXXX had a data breach in which I was not notified so I don't know the damage to my credit report it has done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I bought my XXXX XXXX XXXX from XXXX and financed it with Bridgecrest. I moved to CA and refinanced the loan through XXXX XXXX XXXX XXXX XXXX. XXXX they acquired the loan and sent a payoff check. Bridgecrest  received it and sent me an email stating the loan was paid in full. I received a letter in the mail from XXXX XXXX XXXX XXXXXXXX XXXX stating under XXXX  XXXX XXXX XXXX, that Bridgecrest has to send the lien release. I called them and spoke to a woman in the lien release department and she stated to me, " We don't send lien releases to digital states. ". This is not legal as the DMV in CA requires it be sent. Bridgecrest is on my registration to my car as a lien holder and I went to the DMV on Monday, XX/XX/XXXX and the staff there said it is legally required that Bridgecrest send the lien release immediately. I have all evidence attached. I also went to XXXX XXXX and sent a fax requesting the lien release formally. They are refusing to send me the legally required lien release which is against the law and against CA law. I need it sent to my California address asap at : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. 
ACCOUNT : XXXX Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE LAST PAYMENT. BALANCE, PAST DUE. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS

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 2025-01-29 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: CA

Complaint narrative:
I have submitted a disputes on XXXX showing the inaccuracies on my consumer report and the credit bureaus are not doing a proper investigation, proof since they're being sued right now ( Sham Investigations ). FDCPA XXXX XXXX XXXX XXXX protects me and my rights from the bureaus reporting false and misleading reporting. They have written off the debt but are still reporting it on my consumer report, that is fraud. These accounts are inaccurate. I demand these accounts be deleted immediately or i will file for ligitation due to the stress you've caused me. 

We have reason now to believe the whole account is fraudulent because now youre putting an account as a debt, because a charge off is on there. A XXXX was filed. According to the IRS Form on their website, Form XXXX must be filed regardless of whether the debtor is required to report the debt as income. So the status of a charge off on my account is an inaccurate account and must be deleted. A charge off is suppose to be reported as income, as ordinary income, not debt, because they filed it and they got a tax break and the IRS says you must get your XXXX IRS also says it must be filed as income, and income doesnt get reported on the consumer report. That makes this charge off fraudulent. Please delete immediately.

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 2025-01-29 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: CA

Complaint narrative:
I have submitted a disputes on XXXX showing the inaccuracies on my consumer report and the credit bureaus are not doing a proper investigation, proof since they're being sued right now ( Sham Investigations ). FDCPA XXXX XXXX XXXX XXXX protects me and my rights from the bureaus reporting false and misleading reporting. They have written off the debt but are still reporting it on my consumer report, that is fraud. These accounts are inaccurate. I demand these accounts be deleted immediately or i will file for ligitation due to the stress you've caused me. 

We have reason now to believe the whole account is fraudulent because now youre putting an account as a debt, because a charge off is on there. A XXXX was filed. According to the IRS Form on their website, Form XXXX must be filed regardless of whether the debtor is required to report the debt as income. So the status of a charge off on my account is an inaccurate account and must be deleted. A charge off is suppose to be reported as income, as ordinary income, not debt, because they filed it and they got a tax break and the IRS says you must get your XXXX IRS also says it must be filed as income, and income doesnt get reported on the consumer report. That makes this charge off fraudulent. Please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX 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 XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 dispute, 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld systems inc is attempting to collect debt on behalf of XXXX XXXX. In the amount of XXXX. This debt was dismissed in XXXX  and marked as identity theft. XXXX XXXX is trying to collect the same amount again of XXXX. 

Please ref XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I bank with chime and someone used my account to make unauthorized transaction multiple times on XXXX different gaming sites for a total of XXXX on XX/XX/year>. I immediately called my bank and disputed the transaction and told them that my phone was lost or either stolen and someone mustve logged in into my account and made these, they also added money to an cash app account that was clearly not me, they denied my dispute with no evidence to why it was denied, they said they did not have a statement from the gaming sites, but see the game sites refused to give me a charge back for the money that was taking, but how is that even possible if they didnt receive a statement from them and even if they did, I thought that when Im with a bank that Im automatically secure if someone use my bank card for unauthorized transactions, how can they just deny me without any evidence that I did any wrongdoing? I would like my money back immediately, am I not covered by law to get my money for unauthorized transactions, they denied my dispute on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In XX/XX/year>, I submitted a written request for verification of the debt in question to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX. To date, I have not received any response or supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

In addition to your agencys failure to validate the debt, I have been subjected to excessive and intrusive phone calls. Your representatives have called me up to XXXX times in a single day, often without leaving a voicemail. On the rare occasions when a voicemail is left, the message is vague and does not state the purpose of the call, further contributing to confusion and distress. 

Under the FDCPA, I have the right to request verification of any alleged debt before any further collection attempts. Additionally, their repeated calls may constitute harassment under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX  XXXX - XXXX - {$990.00} XXXX  XXXX - XXXX - {$1000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am filing a formal complaint regarding an inaccurate collection account that has been reported on my credit file. I recently reviewed my credit report and discovered that [ Collection Agency Name ] has placed a collection account under my name, which I do not recognize and did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account Number : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided Please remove these accounts from my report they are hurting my ability to obtain crediT. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account Number : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided Please remove these accounts from my report they are hurting my ability to obtain crediT. Thanks.

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 2025-01-29 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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