vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: William D. Meeker Enterprises, Inc.
State: MD

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Cascade CISS Holdings, LLC
State: MD

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Is there any physical and valid proof of a consumer agreement between myself and your company, bearing my wet signature? I dont recall giving this company permission to purchase my personal information and use it to collect debt. From my understanding, this company purchased random debts in bulk and are trying to collect profits, after the original company already sold the debt. Therefore, this debt does not belong to me. How can a company report inaccurate information and say the information is accurate when the information ( including numbers, address, account information, etc ) is reporting differently on the credit reports? How do I know this is a real collection company and not just an individual trying to scam people out of money?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion has failed to fulfill it's 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 TransUnion, 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 TransUnion 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 TransUnion inaction violates federal law and my rights as a consumer. 
These are the accounts that's inaccurate XXXX XXXX XXXX, Account Number : XXXX Amount : {$610.00} and XXXX XXXX XXXX, Account Number : XXXX Amount : {$900.00}

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 non-monetary relief
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Complaint for Violation of 15 U.S. Code 1681o - Willful Noncompliance with FCRA Dear Sir/Madam, I am writing to formally file a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses willful noncompliance with the provisions of the FCRA. 

On dates XXXX XXXX, XXXX XXXX, XXXX XXXX, I identified an issue involving inaccurate or incomplete information on my credit report that you failed to address, despite multiple requests for correction or investigation. As outlined under the FCRA, consumer reporting agencies are required to ensure the accuracy and completeness of the information they provide and investigate any disputes within a reasonable timeframe. 

XXXX XXXX, XXXX { XXXX XXXX XXXX } XXXX XXXX, XXXX { XXXX XXXX } XXXX XXXX, XXXX { XXXX XXXX  } I contacted Equifax to help resolve these falsely reported issues on my credit profile XXXX months ago they failed to provide information explaining to me whats going on. I would love to have these removed as soon as possible because its stopping me from being able to get approved for things.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

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
Consumer complaint received 2025-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-01-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Complaint for Violation of 15 U.S. Code 1681o - Willful Noncompliance with FCRA Dear Sir/Madam, I am writing to formally file a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which addresses willful noncompliance with the provisions of the FCRA. 

On dates XXXX XXXX, XXXX XXXX, XXXX XXXX, I identified an issue involving inaccurate or incomplete information on my credit report that you failed to address, despite multiple requests for correction or investigation. As outlined under the FCRA, consumer reporting agencies are required to ensure the accuracy and completeness of the information they provide and investigate any disputes within a reasonable timeframe. 

XXXX XXXX, XXXX { XXXX XXXX XXXX } XXXX XXXX, XXXX { XXXX XXXX } XXXX XXXX, XXXX { XXXX XXXX  } I contacted XXXX to help resolve these falsely reported issues on my credit profile 2-3 months ago they failed to provide information explaining to me whats going on. I would love to have these removed as soon as possible because its stopping me from being able to get approved for things.

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 2025-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: PA

Complaint narrative:
I REQUESTED INFORMATION TO ZION DEBT HOLDING, I HAVE ASKED FOR DEBT VALIDATION LETTER ( AMOUNT OF THE DEBT, ORIGINAL CONTRACT SIGNED, LAST BILLING PAYMENY ) I HAVE NOT HEARDD ANY THING FROM THEM.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: SC

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 24 hors stating the account is accurate, without providing any evidence if a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( 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 2025-01-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I lost my bank card, and I found a purchase record on it. I locked my card and called Chase. After I explained the situation, Chase refused to return it and told me to call the police. I called the police, but they still didn't respond. This is the number I called to talk to the police. The police came to my house to discuss the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I have an update to date police report on file with Chex Systems. The following bank accounts thats currently listed and showing on my Chex Systems consumer report # : XXXX is fraudulent bank accounts and the fraudulent accounts dont belong to me : XXXX XXXX XXXX  XXXX XXXX {$970.00}, XXXX  XXXX XXXX XXXX XXXX {$780.00} and XXXX XXXX XXXX XXXX XXXX XXXX {$500.00}.

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
There was no warning about not being able to receive money sent in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MN

Complaint narrative:
Description of the Issue : On XX/XX/year>, I lost my American Express card while traveling abroad. I immediately reported the card as lost on XX/XX/year>, at approximately XXXXXXXX XXXX  XXXX time. I was told by an American Express representative that my account would undergo identity verification and that my report would be handled. 

However, after I reported the card lost, unauthorized charges were made to my account totaling {$6100.00}. These charges occurred after I had reported the card lost, and I did not authorize them. I contacted American Express multiple times regarding these unauthorized charges, and each time I was reassured that the issue was being taken care of. I was told that my report had been properly noted and investigated. 

Despite my repeated follow-ups, I later learned that the report I made on the XXXX was never recorded in their system. American Express told me that the representative I spoke with did not leave any notes after our call. This was a clear failure in their customer service and record-keeping. 

Additionally, when I requested proof of how these charges were authorized, such as transaction details ( location, time stamps, IP addresses ) and any proof that I had personally authorized these charges, I was only provided with vague notes without any concrete evidence supporting their claim that the charges were legitimate. 

Amex claims that these charges are valid and refuses to reverse them, despite the clear evidence that I did not authorize these transactions. I feel that my case has not been handled properly, and I am seeking a full investigation into these fraudulent charges and a reversal of the {$6100.00} charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV threatened me about debit on behalf of credit card that was obtained by identity theft. I sent information once I knew this was an issue due to a lawsuit. I have sent documentation and they are still sending threatening letters and calls about balances that were not created by myself! My credit report has been severely damaged and impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
XXXX has not updated my credit information from First Progress since XX/XX/year>. I have XXXX balance and my score has not changed. I am in the process of buying a home and this has affected me greatlyl

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AL

Complaint narrative:
MY CONSUMER REPORT IS REPORTING ACCOUNTS THAT ARE INACCURATE, AND UNVERIFIED. THESE ACCOUNTS ALL HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN XXXX, EQUIFAX, AND XXXX..THIS IS A VIOLATION OF THE FCRA AND THESE ACCOUNTS MUST BE DLETED IMMEDIATELY FROMM MY CONSUMER REPORT. DELETE THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, I am writing to formally dispute an error on my credit report. After reviewing my report, I noticed inaccurate information that I believe needs to be corrected or removed under the Fair Credit Reporting Act ( FCRA ). 

It is multiple incorrect. Credit reports past seven years.

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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I was taken to XXXX XXXX XXXX by XXXX XXXX XXXX and they won for XXXX but I have collection agency to to collect they debts that I was sued for that is XXXX debts combined I have the court papers to show what I was sued for and how much each one is

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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

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 time 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 didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation 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 2025-01-26 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: VA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX  # XXXX XX/XX/XXXX -- {$3900.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/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 2025-01-26 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: KS

Complaint narrative:
This loan has been paid with cash at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas 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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
This loan has been paid with cash at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This loan has been paid with cash at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas 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 2025-01-26 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: NE

Complaint narrative:
There is a Bankruptcy on my file and it states that my dispute was verified when the courts do not report to the credit bureaus. So I got a letter from the court showing that they are not selling this information to Experian but Experian says that the investigation is valid and 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 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NC

Complaint narrative:
Student loan were forgiven Im no longer responsible for this account and want it removed from my credit report.

Company response to consumer: Closed with explanation