vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: DE

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-02-06 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: OK

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Dear Synchrony Bank, I am writing to formally express my dissatisfaction with the service I have received regarding my credit card account and to request a full refund of the annual fee. 

First, the shipment and acceptance of my credit card were significantly delayed by three months, and I only received the card on XX/XX/year>. Upon attempting to use the card for the first time, I encountered numerous issues. I made XXXX transactions, all of which triggered fraud alerts. At XXXX XXXX  on XX/XX/year>, I verified my transactions as valid via text. However, when I attempted to make the same transaction again, it was declined. 

Shortly after, I received a phone call from the bank, during which I once again verified the transactions. Despite this, my next attempted transaction was also declined, prompting yet another request for verification. I was then sent a link to conduct an online verification process. I complied by uploading my drivers license along with a video of myself, yet the system responded by stating that a letter needed to be sent via mail. 

At this point, I have lost confidence in your card services and do not believe that the inconvenience and repeated verification requests justify paying an annual fee. Given the multiple obstacles I have faced just to use the card, I request that you refund the annual fee for this account in full. 

Please confirm receipt of this request and provide a timeline for processing the refund. If this issue is not resolved promptly, I will have no choice but to escalate my complaint further. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: DE

Complaint narrative:
Please ensure that the unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not open or permit these accounts and do not recognize them. As per USC 1681g, I request their removal within 15 days. Enclosed are relevant documents for your reference.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filling 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 fail to take timely and effective measures to prevent an 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 2025-02-06 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:
To whom it may concern, Ive been asking the company for months to please remove incorrect information from My credit report please delete inaccurate information from 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am writing to formally request the removal of the debt collection account associated with I.C Systems INC,04/03/2019 in the amount of {$800.00} from my credit report. After reviewing my credit report, I noticed that this account was added in error, and I would like to resolve this matter as soon as possible. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any information that I believe to be inaccurate or incomplete. To ensure that I am fully informed about this debt, I kindly request that you provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The account number associated with this debt. 
XXXX. The amount of the debt, including any interest, fees, or other charges. 
XXXX. A detailed explanation of how the debt was calculated. 
XXXX. Copies of any documents that show I agreed to pay the debt. 
XXXX. Proof that you are legally authorized to collect this debt. 
Please note that until I receive this information, I do not acknowledge or accept responsibility for this debt. I kindly ask that you investigate this matter and provide written confirmation of the removal of this account from my credit report. Additionally, please cease all further communication with me regarding this account, as required by the FDCPA. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as stipulated 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Agreed to a court order stipulation for settlement with Midland Credit Management on XX/XX/XXXX for the amount of {$2300.00} half the original balance {$4600.00}. XXXX was to be paid in full by XX/XX/XXXX. The stipulation settlement amount was paid in full on XX/XX/XXXX. Midland Credit Management did not follow the rules of the stipulation, they updated my credit file showing a balance of {$2300.00}. The stipulation of settlement clearly states upon payment of the entire Settlement Amount, Plaintiff ( MCM ) will release Defendant ( XXXX XXXX ) from all causes of action and claims that Plaintiff could assert in the above captioned matter. Similarly, by entering into this agreement, Defendant releases XXXX ( including its related companies ) from all causes of action, or other claims, known or unknown. In this case MCM has adjusted the balance and not completely removed the above debt per the stipulation for settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates The Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed 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 2025-02-06 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: FL

Complaint narrative:
my complaint is about cash app. i have used the app for years and i have my external bank account linked. for several months i was a able to transfer money from the app to my external bank account, until suddenly cash app didnt allow it and gave me and error. i contacted cash app support and they did not help at all. they had no reasoning for not allowing me to transfer. i had no issues with my bank account. after the fail of cash app support, i tried to access live support but instead was greeted by a fake assistant which also did not help at all. this inconvenience lead to my external bank account being closed because i was not able to transfer money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Due to unforeseen circumstances and financial hardships, I feel behind on my obligation with attached debt. The referenced account was charged off and should qualify as cancellation of debt, which requires the creditor to issue me a 1099C for tax reporting purposes.

I've made attempts to contact the creditor to obtain my 1099C form for tax filing purposes and it has not been recieved, nor has there be any response to my notification. I request that this debt be removed from my credit report, as it shouldn't show a balance considering the creditor as received a tax write off due to charged off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Affirm Holdings, Inc
State: AL

Complaint narrative:
AFFRIM INC., XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I LOOKED ON XXXX XXXX AT ALL THREE OF ANNUAL CREDIT REPORT: XXXX XXXX XXXX  AND NOTICED SOMETHINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO THE FAIR CREDIT REPORTING AGENCY PREPARE 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 ACCORDIN TOO 15 USC 1681 THEY ARE SUPPOSED TO DO THIS (5) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION (A) IN GENERAL, AFTER ANY REINVESTIGATION UNDER PARAGRAPH (1) OF ANY INFORMATIN DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CANNOT 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 APPROPIATE, BASED ON 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 RESONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
To Whom it may concern, On XX/XX/year> I disputed XXXX accounts reported By Transunion in the file and they are XXXX XXXX # XXXX and XXXX XXXX  # XXXX that you maintain under my social security number # XXXX .I was informed on XX/XX/year> that the items was deleted from my Transunion credit report. Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ). You are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file puruant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means. I received no such notification.. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the items from my credit report in order to avoid legalaction. IN regards XXXX  XXXXXXXX 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 2025-02-05 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Multiple dates- requested debt verification for collection account through XXXX, XXXX, and XXXX. All came back within a day or so as verified even though nothing was received in mail or showing validation of debt. This has been continuous over the last few months. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer 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 ad 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Kikoff Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing regarding the referenced account listed under ( XXXX XXXX XXXX ) ACCT # ( XXXX ), which is currently being reported as written off on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Additionally, I am formally requesting confirmation on whether this debt has been canceled or forgiven. If it has been, I request appropriate documentation to that effect. According to IRS guidelines, creditors may issue a 1099-C form for canceled debts, regardless of balance, when specific criteria are met. Please confirm whether this debt has been canceled and provide the appropriate documentation. If this debt has not been canceled, I request full validation, including but not limited to : -A copy of the original signed contract or agreement. -A detailed account history showing how the balance was calculated. -Proof that your organization has the legal right to collect this debt. Failure to provide adequate validation or documentation of the debts status will be considered non-compliance under federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I opened a credit card with XXXX XXXX years ago and recently found out they have been charging me a monthly maintenance fee that I never knew about. I never open a credit card with any fees. I would have never opened this card if I knew there was a fee. I never used the card, it was never even activated. I called to find out more. Customer service refused to waive or reverse the fees. I have since closed the account. I fully believe they were malicious when disclosing any fees. They do not list a yearly/annual fee, if they did I would have never opened the card. This is unacceptable and they have charged me hundreds of dollars for absolutely XXXX service provided. Everyone looks for the annual fee for credit cards, so to slip in a small monthly fee instead while stating no annual fee is deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian 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 of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a personal loan account opened aXXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 ) as proof from the US Federal Trade Commission that all of the aforementioned 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 explanation