vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
I have an excellent credit score and have never made a late payment on any of my credit cards. I recently applied for the American Express XXXX credit card, which included a sign-up bonus offer. After meeting the required spending criteria, I did not receive the promised bonus. 

When I contacted customer service, I was informed that the offer had been declined in the approval letter, yet my application for the card itself was still approved. I find this practice misleading and deceptive, as the sign-up bonus was a key factor in my decision to apply for this card. 

I kindly request a review of my account and fulfillment of the advertised sign-up bonus. Please let me know how this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to inquire about the accuracy and legitimacy of an account on your platform. 
I have no knowledge of this account. I am concerned about its potential accuracy, whether it may be impersonating someone, or if it could be involved in any suspicious activity. 

Could you please provide information on how I can verify the authenticity of this account? Any assistance you can offer in confirming its legitimacy would be greatly appreciated. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 XXXX XXXX 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 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Denali Capital Holdings, LLC
State: OK

Complaint narrative:
I am submitting a formal complaint against Denali Capital LLC for engaging in unlawful debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). 



Details of the Complaint : In XX/XX/XXXX, XXXX XXXX allegedly sold a {$380.00} debt in my name to Denali Capital LLC.

At the time of the sale, Denali Capital LLC was not licensed to collect debts in the state of Nevada. 
According to the XXXX XXXX XXXX XXXX XXXX XXXX  ), Denali Capital LLC obtained the necessary licensing in Nevada on XX/XX/XXXX, approximately 18 months after acquiring my debt. 
Despite lacking proper authorization, Denali Capital LLC attempted to collect this debt from me during the period they were unlicensed. 



Attempts to Resolve the Issue : I have made multiple attempts to address this matter by contacting both XXXX XXXX and Denali Capital LLC through phone, email, and chat. 
I requested that Denali Capital LLC : Cease all collection activities due to their lack of proper licensing at the time of acquisition.

Provide validation of the debt and their authority to collect it.

Despite my efforts, Denali Capital LLC continued collection attempts, causing undue stress and negatively impacting my credit report.

Violations of the FDCPA : Unlawful Collection Activities : Denali Capital LLC engaged in debt collection without the required state licensing, violating the FDCPAs provisions against unfair practices.

Failure to Provide Debt Validation : Upon request, Denali Capital LLC did not furnish adequate validation of the debt, as mandated by the FDCPA.

Continued Collection Efforts : Despite being informed of their lack of authorization, Denali Capital LLC persisted in collection attempts, further violating consumer protection laws.

Supporting Documentation : I am prepared to provide : Correspondence with Denali Capital XXXX, demonstrating their continued collection efforts despite lacking proper licensing. 
XXXX records confirming Denali Capital LLCs licensing status in Nevada. 
Credit reports indicating the negative impact of Denali Capital LLCs collection activities. 



Conclusion : Denali Capital LLCs unlawful debt collection practices have caused significant distress and harm to my financial standing. I urge the CFPB to take decisive action to address these violations and protect consumers from similar experiences. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have been told numerous times my issue was escalated to the correct department I'm pretty sure I have an email from you stating that as well that is not the truth I'm getting tired of Cash app lying to me. I received an email from the complaint department which I know i have a email from you stating you file a complaint well they are stating we can't reopen your account i have never requested my account be back open the issue is someone changed my information on a closed account to a debit card not in my name. Changing someone information on a closed account is against the law and cash app has the obligation to keep my account safe and sound which didnt happen here. In the chatted yesterday I'm being told it should have been sent to the charged department. My account was closed XX/XX/year> and my information was changed on XXXX with someone cashing out XXXX. I'm angry upset XXXX off that cash app cant get their stuff together. I'm not waiting until 30 days for an answer from the charge department. This needs to be fix immediately I have file another complaint with the cfpb reach out to XXXX Bank because this ridiculous and absurd to treat someone like this if you were missing XXXX what would you do i have chatted with someone everyday and all of them said it is in the right department well guess what I was told it wasn't and it better be fix today I'm throwing cash app with a lawsuit with each customer service rep I have talked to with a personal lawsuit for their actions causing my live in XXXX the past year. I have all my chats and emails from cash app promising me my issue was escalated to the corrected department and emails stating this was not about the account closure and burn cash app in court since they like playing games with the customers and hopefully have yal shut down for acting like a bunch of idiots. By yall allowing cash app to do this to the consumers you are just as guilty or not more guilty for allowing them to get away with it..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX 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 2025-03-31 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: TX

Complaint narrative:
I use this application for cash advance payday loans. I am forced to use the savings feature, which randomly debits random amounts of cash from my personal bank account

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
I am writing to file a formal dispute and complaint against ChexSystems XXXX XXXX regarding the inclusion and continued reporting of inaccurate, fraudulent, and identity-theft-related information in my consumer file. 

Despite my prior dispute, ChexSystems has chosen to ignore material evidence of identity theft, and continues to maintain fraudulent information furnished by Bank XXXX XXXX under the following account details : XXXX XXXX XXXXXXXX XXXX # : XXXX / XXXX Closure Date : XX/XX/year> Closure Status : Suspected Fraud Activity Reported Name : XXXX XXXX XXXX Reported XXXX : XXXX XXXX Brownstone Way XXXX XXXX, IL XXXX This account, along with the associated personal information, does not belong to me. I have been a victim of identity theft, and this entry is the direct result of fraudulent activity beyond my control. ChexSystems reinvestigation, which claims this account was verified as accurate, is completely unacceptable, especially since no independent investigation appears to have been conducted only a XXXX acceptance of the furnishers word. 

ChexSystems has a legal obligation under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX to block and remove fraudulent information from consumer reports upon proper notification of identity theft. I hereby dispute the following : FRAUDULENT NAMES : XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX These names and addresses do not belong to me and are evidence of fraudulent activity tied to the unauthorized use of my personal identifiers. Continuing to report this information after being informed it is the result of identity theft is a willful violation of the 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 explanation
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Re : Complaint # XXXX - Request for Action Regarding Unverified Information on Experian Credit Report Dear XXXX XXXX XXXX XXXX XXXX in reference to my complaint submitted to the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XX/XX/2025, regarding inaccurate information on my Experian credit profile. The complaint, identified by the number XXXX, involved a dispute over erroneous entries that were negatively impacting my credit report. 
As outlined in my initial complaint, I have disputed this inaccurate information with Experian, and according to the Fair Credit Reporting Act ( FCRA ), they are required to investigate and respond within 30 days. However, to date, I have not received any response or resolution from Experian regarding this matter, and the inaccurate entries remain on my credit report. 
The lack of response and failure to resolve this dispute within the required XXXX timeframe is preventing me from achieving a significant financial goal, specifically, purchasing a home. This delay has caused unnecessary harm and stress, and the presence of unverified, inaccurate information continues to adversely affect my creditworthiness. 
In light of Experian 's failure to comply with the FCRAs time limits, I kindly request that the CFPB intervene in this matter and compel Experian to remove all unverified and inaccurate information from my credit report. The continued presence of these entries is a direct hindrance to my ability to obtain a mortgage, and I seek a prompt resolution to this issue. 
Please let me know if any additional information is required on my part to help facilitate the resolution of this complaint. I appreciate your time and attention to this matter and look forward to your assistance in ensuring that my rights under the FCRA are upheld. 
Thank you for your prompt attention to this issue.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: NCS, Inc
State: IA

Complaint narrative:
I am writing to file a complaint regarding an unresolved debt reported on my credit report. This debt, totaling {$6900.00} has been attributed to XXXX XXXX and Noll Collection Service XXXX I was unaware of any outstanding balance until it appeared on my credit report, as I have not received any communication, bill, or explanation from these parties. 

On XX/XX/year>, I moved out of my apartment located at : Virginia XXXX Apartments XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IA XXXX. 

Since then, I have made multiple attempts to gather information regarding this alleged debt. Specifically, I contacted XXXX XXXX and Noll Collection Service and was promised a follow-up, which has not occurred. Additionally, I emailed my former landlord requesting an itemized bill and an explanation of charges but have received no response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address is:XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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