vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was looking at my report and note there were some things that was not correct. I sent a letter to Trans Union XXXX XX/XX/year> But it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ). Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether he disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30- day period beginning on the date on which the agency receive the notice of the dispute from the consumer or reseller.

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 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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:
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 XXXX USC 1681.

15 U.S.C 1681 section 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 a 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 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 explanation
Consumer complaint received 2025-03-27 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: 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Carma Enterprises Inc
State: FL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against XXXX XXXX  XXXX  for fraudulent debt reporting, harassment, and unlawful sharing of my personal information. They claim I owe {$2200.00}, which is completely inaccurate. Additionally, they have repeatedly sold my personal data without consent ( violating 15 U.S.C. 1681b of the FCRA ) and harassed me with excessive calls ( violating 15 U.S.C. 1692d of the FDCPA ). 

I demand an immediate investigation and the removal of this false account from my credit report. Please take action to prevent further violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: Colony Brands, Inc.
State: IN

Complaint narrative:
XXXX, XXXX, and XXXX are all reporting inaccurate information on my credit report. I have disputed the information with all parties! My address is incorrect on my XXXX report report and address i never live at out of state. I demand it be removed. Its cause a great deal of problems! I never had accounts with XXXX in or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: IN

Complaint narrative:
XXXX, equifax, and XXXX are all reporting inaccurate information on my credit report. I have disputed the information with all parties! My address is incorrect on my equifax report report and address i never live at out of state. I demand it be removed. Its cause a great deal of problems! I never had accounts with XXXX in or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
- These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2025-03-27 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: OH

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 XXXX USC 1681.

15 U.S.C 1681 section 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 a 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 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 explanation
Consumer complaint received 2025-03-27 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: CA

Complaint narrative:
XXXX reaching out because there has been an unauthorized and fraudulent use of my identity. This is not only a violation of my personal information but also a serious matter that needs to be addressed immediately.

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 2025-03-27 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: LA

Complaint narrative:
XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and XXXX inaction violates federal law and my rights as a consumer.

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 2025-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
I was contacted by a XXXX XXXX who identified himself as a lawyer with Harris & Harris. He asked me to confirm my identity and at his request, I gave him the last four digits of my SS # and my address. He said I needed to pay off my 2023 Tax Year tax debt to the DC government or I could arrange a payment plan with him. I offered to patch in my accountant to clarify what is owed and he discouraged me and told me I needed to get the payment made. I told him I would make the payment in full and he offered again to set up a payment plan. I told him no and that I would make the payment on my own. 

I reported this to my accountant who reached out to the DC XXXX XXXX XXXX XXXX XXXX. They supposedly confirmed that it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was offered a promotional service at XXXX XXXX in XXXX, MA for a laser hair removal package for about {$3900.00} in XXXX of XXXX. They told me they could see if I would be approved for a line of credit through them, which I was, for {$3900.00}. This line of credit was used to pay for the laser. I immediately signed up for automatic payments and have made almost {$2200.00} worth of on-time payments with no issues. Apparently, the credit line they approved me for was a promotional plan through Comenity Bank where interest would be forgone for the first 2 years, and once that 2 years expires the accrued interest from the 2 years it wasn't paid would be charged in one single interest charge unless the balance on the card was {$0.00}. I was not made aware of this at the time of signing up. I check my balance frequently to track how long it would be until it is paid off, but that's all. I did receive a physical credit card in the mail, but I've never used it on any purchase. This line of credit was only opened for the purpose of paying for this laser package. The terms and conditions were not advertised adequately at the time of sign-up. I felt pressured to agree to opening this line of credit to get the laser package at the time of signing up and have been completely blindsided by this. The interest I was charged was over {$2200.00}, bringing my balance above my credit limit and significantly impacting my credit. I am a college-aged female and I feel I've been prayed upon by both XXXX XXXX  and XXXX XXXX with Comenity Bank and have been scammed. I was under the impression this entire time that I was paying a balance on a single purchase and would not be charged 2 years worth of monthly interest in one transaction. Had I known these details I would have made additional payments to prevent this, or not signed up in the first place. Furthermore, I have been enrolled in paperless statements since I signed up but can only see statements as far back as XX/XX/XXXX, and don't have or can not access any document or statement that I signed which states these terms and conditions they claim I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 fraud on their platform, leaving my account unprotected and vulnerable. Also, their dispute resolution was unfair and deceptive as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. This has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I am submitting this complaint regarding a billing issue with XXXX  that XXXX unresolved despite multiple attempts to address it with their customer service and supervisory staff. 

In XX/XX/year>, I transferred my XXXX account to a new address. Before moving, I confirmed with XXXX that my account balance was paid in full. XXXX even issued me a refund at that time, further confirming that I did not owe anything. 

Now, more than a year later, XXXX is attempting to charge me for an amount they previously stated I did not owe. I have contacted their customer service and escalated the issue to supervisors multiple times. Each time, I have been assured that the matter would be resolved, but no action has been taken. 

I am seeking CFPBs assistance in resolving this matter, ensuring that I am not wrongly charged, and holding XXXX  accountable for their misleading billing practices. They have transferred my account to sunrise credit services and have not upheld their end of the deal even after saying they removed the balance from my account and closed it out.

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 2025-03-27 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: CA

Complaint narrative:
This dispute is to inform your bureau is publishing inaccurate information. The issues on these accounts inaccuracy have ranged from the dates opened and closed, the account numbers, the amounts owed, their current status and even if theyve been delinquent at all. Now Im putting the onus on your bureau to prove every piece information is being reported accurately under the fcra and that Im responsible for the accounts I feel are erroneous with jpmcb auto in the amount of XXXX i have identity theft and have file a police report.

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 2025-03-27 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: CA

Complaint narrative:
This dispute is to inform your bureau is publishing inaccurate information. The issues on these accounts inaccuracy have ranged from the dates opened and closed, the account numbers, the amounts owed, their current status and even if theyve been delinquent at all. Now Im putting the onus on your bureau to prove every piece information is being reported accurately under the fcra and that Im responsible for the accounts I feel are erroneous with jpmcb auto in the amount of XXXX i have identity theft and have file a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, my former landlord, XXXX XXXX XXXX, sent me an itemized statement for {$680.00} after I vacated my rental unit on XX/XX/XXXX. I promptly disputed some charges and requested receipts, including for an {$890.00} carpet charge, {$120.00} XXXX replacement, and {$25.00} labor for tarp removal. I asked for clarification on how the carpet was prorated and whether it covered the whole apartment or just a damaged area. 

Despite multiple written requests in XXXX and XXXX, the landlord failed to provide full documentation. On XX/XX/XXXX, they responded with only a brief XXXX notestill no receipts. Without giving me a fair chance to resolve or pay, they sent the debt to XXXX XXXX XXXX, which then began collecting and reported the debt to credit bureaus. 

I do not dispute the prorated rent owed, but I do dispute the remaining charges as inflated or unsupported. This collection account is inaccurate and has damaged my credit. XXXX requesting that it be removed and that this matter be investigated for violations of the FCRA and California tenant law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am submitting a formal complaint against Receivable Management Services ( RMS ) regarding a collection account they have reported on my credit report in the amount of {$890.00}. I have no knowledge of this debt, nor have I received any information from RMS regarding its origin or the original creditor. Despite not being provided any verification or notification of this debt, it has been negatively impacting my credit report. 

My concerns are as follows : Lack of Notification : I was never notified by RMS regarding this debt before it appeared on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive proper notification and validation of any alleged debt. 

Failure to Validate the Debt : Upon discovering this account on my credit report, I requested information about the debt, including the name of the original creditor, a detailed account statement, and proof that RMS has the legal right to collect it. However, RMS has failed to respond or provide any verification. 

Unjust Credit Reporting : Reporting a debt without proper validation is not only a violation of my rights under the FDCPA but also causes undue harm to 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 explanation
Consumer complaint received 2025-03-27 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: SC

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation