vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the following inquires as well 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 Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The company is reporting inaccurate information on my credit report. This account shows up as a charge off. I never received a XXXX cancellation of debt form after I requested the XXXX form XXXX times. Per the IRS this is considered as income and should be reported.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The company is reporting inaccurate information on my credit report. This account shows up as a charge off. I never received a 1099 cancellation of debt form after I requested the 1099 form 3 times. Per the IRS this is considered as income and should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX and XXXX I sent money on XXXX to wrong person and the bank told me once its sent its gone I couldnt get my money back Ive XXXX a XXXX dollars a couple times

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 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Someone tried to open a credit card in my name at Best Buy. I received a letter from them stating that they were denying my attempt to open multiple cards on XX/XX/XXXX. 

I had a similar episode earlier in XXXX when someone tried to open a XXXX XXXX card in my name

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 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My Information was exposed during the Data Breach. Please do not turn my dispute into a ( 30 ) day dispute! Under FCRA section 605B these fraudulent accounts should be within ( 4 ) days. Please remove all accounts listed. A police report has also been filled

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
FORMAL CEASE AND DESIST NOTICE Subject : Immediate Cease and Desist of Unlawful Collection Practices To Whom It May Concern, This letter serves as a formal demand for your company to immediately cease and desist all communications with me regarding the alleged debt. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my legal right to request that you stop all direct and indirect communication with me, including phone calls, letters, emails, and any other form of contact.

Your ongoing attempts to collect this alleged debt, whether through harassment, intimidation, or misrepresentation, will not be tolerated. If you believe this debt is valid, you are legally required to provide full and complete validation before attempting any further collection efforts.

To ensure compliance with federal law, I demand the following : 1. Verification of the Alleged Debt Provide a signed agreement proving my obligation, a full transaction history, and evidence of your legal right to collect. 
2. Immediate Cessation of Communication Any further attempts to contact me outside of legal exemptions will be considered a willful violation of my rights.

3. Compliance Confirmation You must acknowledge in writing that all non-essential collection activities have ceased.

Failure to comply with this request will result in formal complaints being filed with : -The Federal Trade Commission ( FTC ) -The State Attorney Generals Office Additionally, I reserve the right to pursue legal action against your company for damages related to unlawful debt collection practices, harassment, and emotional distress should you fail to adhere to this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX XXXX company give me a refund for the amount XXXX dollars. Because by mistake they charge me that amount by mistake, so I call the bank to tell them what happens. I never made a claims that what they said. Iam been calling them for the amount XXXX dollars and they told me that they give me the money as credit. And they don't want to give me my refund money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Synovus Bank
State: MS

Complaint narrative:
The company first progress is reporting outdated and irrelevant data onto my credit reports and I am no longer doing business with them. I've sent them letters to request that they provide me proof of lawful sharing of my information to consumer reporting agencies also that they stop reporting outdated account information that has been charged off but they continue to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 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 proce 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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
CFPB Complaint Against Resurgent Receivables LLC Complaint Title : Failure to Validate Debt & Illegal Credit Reporting Company Name : Resurgent Receivables LLC Issue : Debt collection, Improper use of credit reporting, Failure to Validate Debt Description : I am submitting this complaint against Resurgent Receivables LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX, acting as a collection agent for Resurgent, failed to provide debt validation despite multiple written requests.

Under 15 U.S.C. 1692g, debt collectors must provide full validation before continuing collection activities. 
Resurgent is currently reporting this account on XXXX without validating the debt, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits inaccurate or unverifiable credit reporting. 
XXXX failed to provide the required Forward Flow Agreement, Bill of Sale, and complete chain of ownership documentation. 
Resurgent Receivables LLC has no proof that it legally owns this debt or has the right to collect on it. 
XXXXXXXX XXXX XXXX  XXXX. sold this debt, but XXXX has not provided any evidence proving lawful transfer or assignment. 
XXXX is reporting this as a Factoring Company Account, which is inaccurate and misleading.

Attachments : Debt Validation Request Letter to Resurgent Receivables LLC Previous correspondence with XXXX XXXX Firm requesting XXXX XXXX credit report XXXX XXXX XXXX Illinois debt collection license search ( showing no active license for XXXX XXXX Firm )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted TransUnion and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report, which I believe are negatively affecting my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and report a thorough investigation into these inaccuracies, required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit Experian for failure to properly investigate consumers dispute citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB includes : Conducting inadequate investigation that failed to address consumer disputes properly. 
Reinserting previous dispute and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegation highlights systematic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on the credit reports. I am deeply concerned that my dispute may be mishandled in the similar manner.

Please review the inaccurate information being report : Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of yoru investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the dispute information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from any credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of these information from my credit report. 

Furthermore, I request written confirmation of the action you taken in response to this dispute if you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB or other appropriate agencies. 

Thank for addressing this matter promptly, I look forward to your response with the legally mandated 30 days timeframe. 

Sincerely, 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 2025-01-31 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: CA

Complaint narrative:
There are multiple late payments incorrectly reported by these creditors to TransUnion, which is deeply frustrating. These payments were made on time, yet they continue to appear as late on my credit report. This inaccurate reporting is unfair and is negatively impacting my credit score.

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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I recently had XXXX overcharge my account 3x for {$75.00} each in the same day alongside some other autopayments hitting. It resulted in 5x {$35.00} overdraft fees. They were only able to remove 2x of them because they made a company wide rule last XXXX that they were going to limit it to 2 per year. Now I'm unable to make rent and can only afford soup. I thought they'd been in enough trouble with legislators to stop these predatory overdraft fees!!

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 monetary relief
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
Today, I found errors in my credit report that I can not explain. When I checked it, as I usually do, I noticed discrepancies that hadnt been there before. I attempted to refresh my browser in case it was a temporary issue, but the incorrect accounts still showed up. Due to this problem, I kindly ask for a detailed review of the documents I have submitted to ensure this is permanently resolved.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Been a victim of Identity Theft, I have send Equifax several copies of the police report. Showing the original creditor XXXX  XXXX, the collection company XXXX  with the fraudulent amount Of XXXX XXXX plus The refuse to remove this Fraudulent account from my credit profile I have attached copies of my XXXX  police report File number XXXX which they do have already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Request for Account Information Auto Lease Dear Sir/Madam , I hope this letter finds you well. I am reaching out to request specific details regarding my auto lease account referenced above. Please note that this is not a dispute ; I am simply seeking clarification on the following information : The date of first delinquency on this account. 
The date of my last payment made toward this account. 
The date of charge-off, if applicable. 
I would appreciate your prompt response with this information. If any additional details or verification is required from me, please let me know. 

Thank you for your time and assistance. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX & XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Subject : Dispute of Debt Collection and Unauthorized Debt Sale by Midland Credit Management ( MCM ) To : Consumer Financial Protection Bureau ( CFPB ) Complaint Against : Midland Credit Management , Inc. ( MCM ) Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details : MCM Account Number : XXXX Amount in Dispute : {$3600.00} Credit Bureaus Affected : XXXX, XXXX, XXXX Reason for Dispute : I am disputing the validity of this debt, the unauthorized sale of my account to Midland Credit Management ( MCM ), and the inaccurate reporting on my credit file. 
1. Unauthorized Debt Sale No Consent Given I never provided consent for XXXX XXXX XXXX XXXX to sell or transfer my account to MCM. 
Under FCRA ( 15 U.S.C. 1681b ), my financial data can not be shared without a valid permissible purpose. If MCM can not provide documented proof of my authorization, they should cease all collection activities.

2. Debt Validation Issues MCM has not provided proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

I demand proof that MCM legally owns this debt and that the balance is correct, including an original signed agreement and itemized payment history from XXXX XXXX XXXX XXXX 
3. Inconsistent and Inaccurate Credit Reporting The account is reported inconsistently across XXXX, XXXX, and XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ), which mandates accurate reporting. 
The Date of Last Activity ( DLA ) is inconsistent : XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX ( which is impossible ). 
The Date of Last Payment is missing, yet the account is being reported as past due. 
4. Pre-Legal Threats & Unfair Collection Practices MCMs Pre-Legal Notification suggests imminent legal action, which may violate the FDCPA if they do not intend to proceed with a lawsuit. 
The notice lacks proper disclosure of consumer rights regarding debt validation and dispute options. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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