vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
Trans Union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Trans Union, 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 personal experience, where as Trans Union 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 Trans Union 's 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 2025-01-29 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve 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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I, XXXX XXXX, being of sound mind and legal age, do hereby declare the following statements to be true, correct, and not misleading to the best of my knowledge and belief : 1. Pursuant to XXXX XXXX, I am formally demanding that Midland Credit Management provide full disclosure of all financial records related to the alleged debt associated with the account ending in XXXX. 
2. I am demanding the following specific documents : o A complete and accurate Forward Flow Agreement.

o The Bill of Sale for the above-referenced account.

o The Purchase Agreement and Chain of Assignment.

o The last payment date associated with this account.

o The first date of delinquency for this account.

o Any and all documents bearing my wet signature that allegedly establish a contractual relationship between myself and Midland Credit Management.

3. I hereby request that all aforementioned documents be provided to me within ten ( 10 ) days from the date of receipt of this affidavit.

4. I am filing a report with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent credit card practices. I feel that I am being targeted by predatory debt collection practices from Midland Credit Management, which preys on individuals facing financial hardship, including uniformed personnel.

5. Midland Credit Management has violated the following laws : o XXXX XXXX XXXX. XXXX - Fair Debt Collection Practices Act ( FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) - False or Misleading Representations XXXX XXXX XXXX XXXX XXXX XXXX  - Furnishing Deceptive Forms o XXXX XXXX XXXX. XXXX - Mailing Threatening Communications XXXX XXXX XXXX XXXXXXXX - Unconscionable Contract or Clause Failure to provide the requested documentation within the specified time frame shall be considered as an admission that no such documentation exists and that Midland Credit Management lacks sufficient legal standing to pursue collection efforts. 
I affirm under penalty of perjury under the laws of the State of Illinois that the foregoing is true and correct to the best of my knowledge. 
Executed on this XXXX of XX/XX/year>. 
________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Midland credit management for unlawful collection practices regarding a debt that I believe is barred by the statute of limitations under Texas law. 

The debt in question was charged off on XX/XX/year>. Under Texas Civil Practice and Remedies Code, Section XXXX XXXX XXXX XXXX  the statute of limitations for most consumer debt, including credit card debt, is 4 years from the date of the last payment or the date of default. Based on this statute, the time limit for filing a lawsuit to recover this debt has passed, and the collection agency is unable to legally pursue this debt in court or otherwise. 

Despite the expiration of the statute of limitations, [ Name of the Collection Agency ] has continued to contact me regarding this debt. I have not received any formal debt validation notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which mandates that a collection agency provide proof of the debt and their right to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I never received the card or the bill. This was a common occurrence when I got store credit cards at places like the mall. I had to contact the XXXX in cases involving XXXX who called me back, admitted fault, and fixed the error. One wanted me to pay a late fee even though it wasn't my fault. XXXX will not let this go! 
I applied for credit to get my brakes done at the XXXX XXXX. The cost less than {$400.00}. I NEVER received the bill nor the card so I had no account # and couldn't pay my bill. I went to the store to try and pay and they couldn't do it. When I would call the service number they would hang up on me. I tried every way I could to make payment and was not able to. 
I XXXX of last year I noticed the charge on my credit and took care of it even though it was twice the amount. Even though my credit score went up, I noticed the charge-offs. I got several of them taken care of but several still remain and are affecting my credit. I am not able to talk to a person about this since the phone bank doesnt allow. It was a pain to even get ahold of the payment address and even find out it was XXXX as the Credit Bureaus told me flat it was NOT XXXX. 

I need the charge offs taken of my account and to be refunded the for the late fees XXXX charged since I was not able to make payment

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ingo Money, Inc.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, regarding {$60.00} in debt that I owe to Ingo Money , Inc . 

I have never received any communication from Ingo Money , Inc., regarding this issue, and the letter is from a debt collector. 

To my knowledge, I owe no debt to either of these companies. No proof of any transaction or debt is attached to or included with the document from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I disputed a transaction for XXXX from XXXX in XXXX back in XXXX of XXXX and never received a request to submit additional information or a decision in the mail. I dont know what the charge was for and returned the rental car in the same condition that I received it. There is no damage visible on the return pictures provided. 

The representative that I spoke to when I initially submitted the dispute told me to be on the lookout for requests to submit additional information and to be sure to respond to such requests. I never received a request for additional info. I called on XX/XX/XXXX, and a representative told me that they issued a decision back in XXXX. I never received anything in the mail and explained that I dont have trouble receiving mail where I live. I asked how I could escalate the fact that I am not receiving mail correspondence from them to which the representative said that I can ask for updates with their app chat function. I would have appreciated the opportunity to submit a statement and pictures of the condition of the vehicle upon return. The representative that I spoke with on XX/XX/XXXX said that she reopened the case for me. Additionally, after I filed a complaint with the CFPB, the company responded that they sent the documentation that I provided over to their dispute resolution team. However, when I called back on XX/XX/XXXX, I was told that on XXXX, I was sent a letter in the mail stating that my case could not be reopened because 60 days had passed. Again, I have not received ANY correspondence from Comenity via mail and it is very unlikely that the mail courier is the issue when I dont have problems receiving mail from any other credit card company. 

I called again on XX/XX/XXXX because I have not received ANY mail correspondence. Ive verified that my address is correct at least 3 times. No one is taking this seriously. The customer service representative let me know that my dispute could not be reopened because it was past 60 days. My argument is that I was not given the opportunity to respond to the initial dispute because I am not receiving mail from Comenity and still havent received one piece of mail til this day. Again, I have no problem receiving mail from ANY other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
On XX/XX/year> I applied for a loan of {$300.00} through XXXX XXXX XXXX. During the loan application process, the company explicitly stated the terms of the loan, including the fees and repayment structure. However, after accepting the loan, I was unexpectedly charged an additional hidden fee of {$430.00}, which was not disclosed at the time of application. 

I believe this fee is unfair, deceptive, and a violation of my consumer rights. I attempted to resolve this matter with the company directly, but they refused to remove or justify this additional charge. As a result, I am seeking CFPBs assistance in investigating this matter and holding the company accountable for its misleading practices. 

I request a full refund of the unauthorized fee and any additional relief deemed appropriate. Attached are copies of my loan agreement, any communications with the lender, and relevant documentation supporting my claim. 

Please let me know if you need any further information. Thank you for your time and assistance in addressing 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 2025-01-29 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: EQUIFAX, INC.
State: KS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am unaware of this debt. 
I didn't have the opportunity to dispute this information. 
If you do believe that you gave me the proper notification, please send me the certified receipt with my signature and name on it. 
Also, my information was about a big data breach.

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 2025-01-29 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
( CENTRAL STATES RECOV ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED XXXX 7 DAYS I WILL BE SEEKING REMEDY UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL XXXX LEGAL ACTION AGAINST ( XXXX XXXX XXXX ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU. ( AMOUNT {$620.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 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 2025-01-29 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: NY

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I have already submitted a complaint to the XXXX, however its still showing on my credit report that both student loans are still negative and Im being charged interest. 15 US code 1681 the law emphasizes the need for credit reporting agencies to maintain accurate information about consumers. These accounts are showing the same information as my last complaint.

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 2025-01-29 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:
I have already submitted a complaint to the XXXX, however its still showing on my credit report that both student loans are still negative and Im being charged interest. 15 US code 1681 the law emphasizes the need for credit reporting agencies to maintain accurate information about consumers. These accounts are showing the same information as my last complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I have already submitted a complaint to the XXXX, however its still showing on my credit report that both student loans are still negative and Im being charged interest. 15 US code 1681 the law emphasizes the need for credit reporting agencies to maintain accurate information about consumers. These accounts are showing the same information as my last complaint.

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 2025-01-29 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: LA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation