vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 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 filed a dispute on account XXXX XXXX XXXX  XXXX and account XXXX XXXX XXXX due to a problem with the company investigating the existing situation. Did not fix the problem. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting these derogatory remarks be removed or corrected immediately as it's affecting my chances of getting a house, a car etc. Experian violates my rights as a consumer, as well as federal laws.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
XX/XX/year> The account name is National credit system. I sent multiple cease and desist to this agency. I sent a lot of letters. This company told me they would remove it and its still there on all three of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
mistakenly made a wire transfer on this account from chase bank Bank name : JPMorgan Chase Bank Account number : XXXX Routine number : XXXX Wire numberXXXX Bank address : XXXX XXXX XXXX XXXX OH XXXX Statement address : XXXX via XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX : XXXX Account name : XXXX XXXX The wire was on XX/XX/year>. 
Time XXXX I called chase for a refund but chase said they need to investigate and process it. 
Till date the refund is yet to arrive in my XXXX account in XXXX please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CA

Complaint narrative:
I am writing to formally dispute the re-insertion of fraudulent accounts that were previously removed from my credit report. These accounts were originally disputed and deleted after I provided sufficient evidence that they were the result of identity theft. However, I recently discovered that they have been re-inserted into my credit report without proper notification. 

The fraudulent accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : Various ( from XX/XX/XXXX to XX/XX/XXXX ) FTC Identity Theft Report Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if a previously deleted item is reinserted, the credit bureau must : 1. Notify me in writing within five ( 5 ) business days of the re-insertion.

2. Provide the source of the information that led to the re-insertion.

3. Ensure that the information is verified and accurate before reinstating it.

I have not received any such notification, which is a direct violation of FCRA regulations. Furthermore, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), using my personal information for fraudulent purposes is a federal crime. I have taken all necessary legal actions, including filing a fraud alert under the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681c-1 ] and reporting this identity theft to the Federal Trade Commission ( FTC ).

I Demand the Following Actions Immediately : 1. Permanent removal of the fraudulent accounts from my credit report.

2. A written confirmation that these accounts have been deleted and will not be reinserted.

3. The name and contact details of the entity that requested the re-insertion of these fraudulent accounts.

4. Evidence proving the legitimacy of the accounts, or an admission that they were added back in error.

If the fraudulent accounts are not permanently removed, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for non-compliance with the FCRA. Additionally, I may pursue legal action for statutory damages under 15 U.S.C. 1681n, which allows penalties for willful non-compliance.

Please consider this letter as formal notice to rectify this violation immediately. I expect a written response within 15 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the re-insertion of fraudulent accounts that were previously removed from my credit report. These accounts were originally disputed and deleted after I provided sufficient evidence that they were the result of identity theft. However, I recently discovered that they have been re-inserted into my credit report without proper notification. 

The fraudulent accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : Various ( from XX/XX/XXXX to XX/XX/XXXX ) FTC Identity Theft Report Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if a previously deleted item is reinserted, the credit bureau must : 1. Notify me in writing within five ( 5 ) business days of the re-insertion.

2. Provide the source of the information that led to the re-insertion.

3. Ensure that the information is verified and accurate before reinstating it.

I have not received any such notification, which is a direct violation of FCRA regulations. Furthermore, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), using my personal information for fraudulent purposes is a federal crime. I have taken all necessary legal actions, including filing a fraud alert under the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681c-1 ] and reporting this identity theft to the Federal Trade Commission ( FTC ).

I Demand the Following Actions Immediately : 1. Permanent removal of the fraudulent accounts from my credit report.

2. A written confirmation that these accounts have been deleted and will not be reinserted.

3. The name and contact details of the entity that requested the re-insertion of these fraudulent accounts.

4. Evidence proving the legitimacy of the accounts, or an admission that they were added back in error.

If the fraudulent accounts are not permanently removed, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for non-compliance with the FCRA. Additionally, I may pursue legal action for statutory damages under 15 U.S.C. 1681n, which allows penalties for willful non-compliance.

Please consider this letter as formal notice to rectify this violation immediately. I expect a written response within 15 days as required by 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 2025-03-16 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: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Unauthorized charges on credit account statement shows XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the collection account associated with [ Account Number ] from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am asserting my rights as a consumer regarding the accuracy, fairness, and privacy of information contained in my credit file.

According to the FCRA, any information reported to the credit bureaus must be 100 % accurate and verifiable. If you can not provide concrete evidence that this debt is valid, was properly assigned, and that you have followed all legal guidelines in reporting and collecting this debt, you must cease reporting it immediately. 

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, collection agencies are required to ensure that any debts they report comply with all relevant federal regulations. If the account in question does not meet these standards or was reported in error, its continued reporting violates my rights and may be subject to legal action. 

I demand that you provide the following within 30 days : Valid proof that this debt is legitimate and enforceable. 

Documentation proving your legal authority to collect and report this debt. 

A record of all communications and transactions related to this account. 

If you can not furnish the requested documentation, I expect this account to be deleted from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) immediately. Failure to comply with this request may result in a formal complaint filed with the CFPB, Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also prepared to seek legal remedies under the FCRA and FDCPA.

Please respond to this letter in writing, confirming your actions regarding my request. I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the collection account associated with [ Account Number ] from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am asserting my rights as a consumer regarding the accuracy, fairness, and privacy of information contained in my credit file.

According to the FCRA, any information reported to the credit bureaus must be 100 % accurate and verifiable. If you can not provide concrete evidence that this debt is valid, was properly assigned, and that you have followed all legal guidelines in reporting and collecting this debt, you must cease reporting it immediately. 

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, collection agencies are required to ensure that any debts they report comply with all relevant federal regulations. If the account in question does not meet these standards or was reported in error, its continued reporting violates my rights and may be subject to legal action.

I demand that you provide the following within 30 days : Valid proof that this debt is legitimate and enforceable.

Documentation proving your legal authority to collect and report this debt.

A record of all communications and transactions related to this account.

If you can not furnish the requested documentation, I expect this account to be deleted from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) immediately. Failure to comply with this request may result in a formal complaint filed with the CFPB, Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also prepared to seek legal remedies under the FCRA and FDCPA.

Please respond to this letter in writing, confirming your actions regarding my request. I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I attempted to send {$4000.00} via PayPal Friends and Family for a truck listed by a friend on XXXX. The transaction was initially declined by PayPal, at which point I realized it was a scam and immediately reported it as fraudulent. On the same day, I also received a notification that my account had been paused due to suspicious activity. 

However, on XX/XX/XXXX, PayPal restored my account access, and on XX/XX/XXXX, the previously declined transaction was processed despite my prior fraud report. I find it highly concerning that PayPal proceeded with the transaction after identifying the risk and pausing my account. This suggests a failure in your fraud prevention measures and raises concerns about potential negligence or collusion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I'm filing a complaint against cashapp ( 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 process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds 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 2025-03-16 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: Nelnet, Inc.
State: MD

Complaint narrative:
Dear Student Aid/FSA I am writing to formally dispute the validity and continued enforcement of the student loan referenced below due to multiple violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974. Based on these breaches, I request immediate cancellation and discharge of the loan. Violation of FERPA Under FERPA ( 20 U.S.C. 1232g ), my educational records, including any financial aid or student loans information, are protected from unauthorized disclosure. I have reason to believe that my rights under FERPA have been violated in the following manner ( s ) : Unauthorized release of my student loan information without my written consent. 
Failure to properly safeguard my educational records, exposing me to unauthorized third parties. 
Misuse of my educational data in processing or reporting of my loan. 
Violation of the Privacy Act of 1974 Additionally, under the Privacy Act of 1974 ( 5 U.S.C. 552a ), federal agencies and their contracted servicers must protect my personal information and prevent its unauthorized disclosure or use. I have identified the following violations of the Privacy Act : Failure to obtain my express written authorization before sharing or processing my personal information. 
Improper handling and disclosure of my Social Security number and other personally identifiable information ( PII ). 
Inadequate security measures, leading to potential unauthorized access to my loan data.

Given the gravity of these violations, the improper handling of my private and educational records has directly impacted on the legitimacy and enforceability of this loan. Therefore, I am asserting my right to have this student loan immediately canceled and discharged.

Please provide a written response confirming the cancellation and discharge of this loan within 30 days of receipt of this letter. Failure to comply with this request may result in further legal action, including filing formal complaints with the U.S. Department of Education and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: TN

Complaint narrative:
I recently checked my credit report and noticed I had fraudulent accounts. Please remove these accounts from my report : they are using my ability to obtain credit for no reason. I have not received any collection notices or information about this debt. Before I go into collections, I should receive notifications, as required by law. My credit is in perfect condition, and I've been taking care of it for years. I don't have any problems. Thank you very much.

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 2025-03-16 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: AZ

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently 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 2025-03-16 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: NY

Complaint narrative:
I have unauthorized Inquiries and credit cards on my account that I did NOT allow I reported it to the FTC and would like them removed from the 3 credit bureaus on my credit report, being that I am a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: NY

Complaint narrative:
I have unauthorized Inquiries and credit cards on my account that I did NOT allow I reported it to the FTC and would like them removed from the 3 credit bureaus on my credit report, being that I am a victim of Identity theft

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: SC

Complaint narrative:
i have requested my consumer report from lexisnexix risk solutions llc for the past 19 months its always an excuse when i call. they have sent two pin numbers in the mail that arrive expired each time. this company is reporting incorrect adverse information. i also requested to delete all information from this companies file and i dont want them having my personal information. they told me they can report public information. my social security number, date of birth and insurance information are not public. when i call i am on the phone at least two to three hours waiting for a person instead of an AI BOT GENERATED ROBOT. then you get someone that can not communicate well in english and then magically you get hung up on. i have received multiple inquiries on my credit report from accounts i have not applied to an i have no idea what lexis nexis is reporting. this is a private company and i dont want them having my information and i want a copy of the information that they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-16 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 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 process 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