vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I am disputing a collection account that appears on my credit report. The account in question is from PORTFOLIO RECOV ASSOC with account XXXX This account is inaccurate because it does not belong to me. 

I requested validation of this debt and have not received proper documentation proving its accuracy or ownership. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request deletion of unverifiable or inaccurate information. I am requesting that this collection be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Immediate Cease & Desist of Student Loan Reporting and Collection Due to Department of Education Abolishment\nTo Whom It May Concern,\nI am disputing the legitimacy and enforceability of the student loans associated with my account. As you are aware, President Trump has signed an executive order to abolish the U.S. Department of Education, thereby creating a material legal void concerning all student loan obligations previously managed under its authority.\n### Demand for Verification & Cease and Desist\nPursuant to 15 U.S.C.  1692g (FDCPA) and 15 U.S.C.  1681 (FCRA), I am requesting immediate verification of the legal ownership, servicing rights, and validity of the alleged student loan debt under your authority. Failure to provide this information within 30 days constitutes a direct violation of federal law.\nFurthermore, under the Fair Debt Collection Practices Act (FDCPA) and FCRA, I am demanding the following:\n- Immediate cessation of collection efforts until full legal verification is provided.\n- A detailed breakdown of loan ownership and servicing rights post-Department of Education abolishment.\n- Written confirmation that you will cease reporting this unverified debt to credit bureaus.\nIf you fail to comply, I will escalate this matter to the CFPB, FTC, and pursue legal action for violations of my consumer rights.\nSincerelyXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
The recent hard inquiries on my credit reports are inaccurate and i wasn't aware of the them being hard hits on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 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 2025-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: KS

Complaint narrative:
The amount due on my direct XXXX loans has been increasing over the last year despite being on the XXXX plan which is supposed to have an interest free forbearance period until court litigation concludes. On XX/XX/year> I called customer service for an explanation, however the representative was unable to provide one and instead gave incorrect information about the status of my loans and options available to me. The representative attempted to transfer me to a manager where I was put on hold and offered to receive a call back once a manager became available, however no such call was every received. Additionally, Mohelas webpage does not have a convenient way to view interest charges to an account, creating a barrier to recognizing potentially fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Chime Financial Inc
State: MI

Complaint narrative:
My ex boyfriend XXXX XXXX XXXX is doing fraud on me thru my chime account and my social security benefits he took my digital creator account and got my content setup on it in his name and he set me up with his crime he ran on me thru his identity and mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Kikoff Inc.
State: NE

Complaint narrative:
Kickoff lending is on my credit report along with other inquiries. I have never have never used Kickoff lending and they had my information from XXXX or XXXX XXXX, with many disputed charges that were never resolved or return of the refunded dispute amounts cash app allowed many charges. Even though I were to dispute a charge I was told an investigation would be provided, and nothing would have clarity or resolution. The only way to contact " XXXX  '' or XXXX app card member services was through a texting system that was very unprofessional and due to my XXXX I would ask for reasonable accommodations and wish to receive a callback. I would never receive a response and due to my request for reasonable accommodations I started noticing they took away my available credit line and overdraft protection. Kickoff lending information would not respond to me due to my ability to not be able to provide security their answers. Their negative inquiry and reports are on my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MA

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 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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 2025-05-03 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: FL

Complaint narrative:
I am writing to file a formal complaint against [ Credit Bureau Name ] for reporting late payments that I have reason to believe are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I have the right to dispute and demand an investigation into any information I believe is incorrect. 
There are multiple discrepancies between my reports with different credit bureaus, raising serious doubts about the validity of these reported late payments. Despite my previous disputes, the inaccuracies remain uncorrected, negatively impacting my creditworthiness.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I dispute this account. I request full validation, including payment history and charge-off details. If not verified under the Fair Credit Reporting Act, please delete it for inaccurate reporting. I see that this account has a written off status and a past due balance on this report, this is a violation. I urge your agency to re investigate this account and ensure that the correct, fair, and complete reporting is given. I also do not believe the status of the account is correct either. Delete this due to multiple violations. 

After you have completed my request please provide me a copy of my credit report reflecting the changes made.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requesting investigation and correction of the following closed accounts appearing on my credit report : - XXXX XXXX XXXX XXXX accounts ) Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681i ( a ), I request that the Consumer Financial Protection Bureau ensure these accounts are investigated for accuracy, completeness, and proper status reporting. If any information is found to be inaccurate or unverifiable, I request that it be corrected or deleted in compliance with 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ).

Please confirm the outcome of your investigation and any actions taken to correct or update my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: ME

Complaint narrative:
Master Card purposely make it confusing, tio get to talk tto a customer support person that keeps you going round and round with their menu selection. 
Intentionally making the process frustrating to the consumer so they give up trying to contact them. 
The sticker on the card says to go to their website in order to fix the problem, but it makes the problem with selecting the number selection an intentional confusing process. 
Consequently, I am never able to speak to a customer service representative. 

This is the second time Master Card has issue me a replacement card because the card has been used before and no funds are able to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC
State: MI

Complaint narrative:
This dispute and formal complaint is against Westlake Financial Services for ongoing deceptive, retaliatory, and unfair business practices. In XXXX of XXXX, I filed a complaint against Westlake Financial Services for predatory lending practices. Following the complaint, Westlake Financial ceased sending me monthly billing statements, both electronically and by mail. for a period of at least XXXX months. As a result of not receiving any statements, I did not submit payments for that period. Rather than addressing this internal failure, Westlake repossessed my vehicle, claiming that the account was delinquent. I was then charged {$1400.00} in repossession fees to retrieve the vehicle the very next day. In XXXX of XXXX, I filed a subsequent complaint regarding this unlawful repossession, asserting a violation of the Fair Credit Billing Act ( XXXX U.S.C. XXXX ( b ) ), which mandates the timely transmission of billing statements for open-end credit accounts. Westlake Financial did not dispute the failure to transmit statements but instead ignored the core issue of their statutory violation. Now, in XXXX and XX/XX/XXXX, Westlake Financial has once again engaged in retaliatory conduct by falsely reporting my account as Closed to XX/XX/XXXX, while continuing to send billing statement during this period to my home, creating a confusing and contradictory account status in what appears to an effort to discredit my claims and create artificial delinquency. demonstrating a pattern of manipulation that harms consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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