vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I recently pulled up my XXXX XXXX XXXX XXXX credit report and your company is attempting to collect a debt. 

Under 15 USC 1692cc : ( c ) Ceasing communication If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( XXXX ) to advise theconsumerthat thedebtcollectors further efforts are being terminated ; ( XXXX ) to notify theconsumerthat thedebtcollector orcreditormay invoke specified remedies which are ordinarily invoked by suchdebtcollector orcreditor ; or ( XXXX ) where applicable, to notify theconsumerthat thedebtcollector orcreditorintends to invoke a specified remedy. 
If such notice from XXXX made by mail, notification shall be complete upon receipt. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit.It has also damaged my mode of living, my character, and much more. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

Im giving your company XXXX days to respond to this matter. Failure to respond to this matter will result in legal actions pursued against your company. 

I demand that the following account be validated or DELETED immediately : Account XXXX Balance : {$730.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC Furthermore, you also report inconsistent and inaccurate information on my consumer report. 

Once again, I XXXX XXXX is giving your company, LNVN Funding LLC XXXX days to respond to this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I, XXXX XXXX XXXX XXXX, submitted a lawful, time-stamped request to Cash App demanding release of funds wrongfully withheld from my account while I was XXXX  and unable to authorize these transactions. The funds were taken without my consent and without any legal fraud determination. 

I provided complete supporting documentation, including : State and prison-issued ID Screenshots of unauthorized transactions Timeline proof showing I could not have initiated the activity Verbal confirmation of XXXX XXXX escalation from a Cash App representative Despite verbal and written confirmation from a Cash App XXXX ( XXXX ) XXXX the funds have not been returned. My dispute was misfiled under complaint instead of an actual refund or fraud dispute, and the company is now stalling. I have been denied access to funds that are rightfully mine. 

I request the CFPB hold Cash App legally accountable for : Failing to properly escalate my case Unlawfully withholding or delaying the return of my property Violating digital consumer trust and dispute rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank, a financial arm of Bread Financial, acquired the Saks Fifth Credit Card servicing rights in XXXX. I was not aware of the ownership change. My original account and profile were setup in XXXX XXXX  with automatic notification and automatic payments. 

I started to use the card again in XXXX of this year. After a couple of months, I realized my bank has not deducted my Saks Fifth card purchases. When I looked into this, I found out that my account and profile are no longer with XXXX XXXX. When spoke with Comenitys representative, they said Comenity had sent physical mails to me in notifying the transfer of ownership. I have never received them and I wish they provided more evidence than words over the phone.

Due to this ownership change that took away my automated payment setup, I was charged with the following fees : XX/XX/year> - {$29.00} Late Fee XX/XX/year> - {$21.00} Interest Charge XX/XX/year> - {$40.00} Late Fee XX/XX/year> - {$41.00} Interest Charge

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
An unverified and incorrect account is reporting damaging information to my credit report and despite my efforts in disputing this account for reporting charged off every month when a account can only be charged off once and also have not provided correct documentation to verify that this account is even mines.TransUnion, Experian, and Equifax will not properly investigate and remove this account.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have XXXX late transactions on my credit report from affirm. Affirm has no record of my account and the department that handles that has no phone number. I've spoken to XXXX supervisors and none can access my account or transactions because there are none. They can't contact the department that handles that and there's never any record of me calling or even disputing those credit remarks. 

I've called multiple times this year and have also started recording phone conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I titled pawned my XXXX in XX/XX/year>. Paying every month totaling {$800.00}. The loan amount that I took out was {$930.00} altogether with interest that I would be paying {$1100.00}. 

Today I called because I was like I should be almost paid off with everything and they informed me today that the amount that Ive been paying has been going towards just their fee not my principal or interest. So basically Ive paid {$800.00} but still owe {$1100.00}. 

I was never informed it would be like this with TitleMax. I was told the interest in the principal should be paid off and that is it now they will not do anything to help me so basically Im gon na pay this XXXX XXXX  again twice and I didnt even pay for the car for that much money in the first place to begin with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  - ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion, XXXX - XX/XX/XXXX Equifax, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for reporting late payments that I have reason to believe are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute and demand an investigation into any information I believe is incorrect. 
There are multiple discrepancies between my reports with different credit bureaus, raising serious doubts about the validity of these reported late payments. Despite my previous disputes, the inaccuracies remain uncorrected, negatively impacting my creditworthiness.

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 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I sent in a payoff, and it shows received on XXXX XXXX XXXX. 
When I try to get a payoff letter. It shows an additional payment on XXXX. XXXX, in order to avoid refunding me the overpayment. 
I keep getting the runaround of who I have to call and they don't have an email address.. 
I have yet to receive a formal notice up overpayment.From hyundai motor finance. 
Their actions lead me to believe they're going to use some attempt to keep the XXXX XXXX XXXX XXXX dollars that they owe 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 explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX | Email : XXXX TransUnion TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information of My Credit Report DearTransUnion : I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing Sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Falling to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported. Under the FCRA, you are required to : 1. Conduct a proper investigation into my dispute.

2. Inform me of the results of your investigation in a clear and comprehensible manner.

3. Provide me with any documentation you rely on if the disputed information is verified as accurate.

4. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

5. If the investigation concludes that the information can not be verified or remains inaccurate. I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFFB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 timeframe. 

Sincerely, XXXX XXXX Note : Subject to : 15 U.S.C. 1692, also known as the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ).

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 2025-05-03 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX | Email : XXXX TransUnion TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information of My Credit Report DearTransUnion : I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing Sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Falling to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported. Under the FCRA, you are required to : 1. Conduct a proper investigation into my dispute.

2. Inform me of the results of your investigation in a clear and comprehensible manner.

3. Provide me with any documentation you rely on if the disputed information is verified as accurate.

4. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

5. If the investigation concludes that the information can not be verified or remains inaccurate. I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFFB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 timeframe. 

Sincerely, XXXX XXXX Note : Subject to : 15 U.S.C. 1692, also known as the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
I am a victim of identity them and my information has been in multiple data breaches This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists multiple credit card collections inquiries and closed accounts listed in the identity theft report I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 
Credit card accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and for from XXXX XXXX All of the accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX & XXXX as proof from the XXXX XXXX XXXX that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
My student loans are currently under the XXXX plan with paused repayments due to legal challenge. I have checked periodically and seen no increase in interest rates or received information that they were increasing. I recieved an email titled " Interest Accrual During Forbearance '' on XX/XX/XXXX showing correct loan principle amounts. I have had XXXX emails since this point showing no increase in interest rate with the most recent email on XX/XX/XXXX telling me my loan have been placed in a forbearance at 0 %. My loans have increased from {$57000.00} to {$59000.00} since the XX/XX/XXXX email. This is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation