vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 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: VA

Complaint narrative:
TransUnion and Experian have not met their legal responsibilities as outlined in the Fair Credit Reporting Act ( FCRA ) by failing to conduct a reasonable reinvestigation of disputed information on my credit report, and by reinserting previously deleted information without notice and that are determined to be inaccurate or unverifiable. The Consumer Financial Protection Bureau ( CFPB ) has initiated several legal actions against TransUnion and Experian due to its non-compliance with a prior agreement with the CFPB, its inability to ensure tenant information accuracy, and its failure to properly inform consumers about the outcomes of their disputes. These shortcomings resonate with my personal experience, wherein TransUnion and Experian has neither rectified nor expunged disputed items despite the evidence I have submitted, thereby perpetuating damage to my credit rating. I hereby request immediate corrective measures to either remove or amend the disputed accounts, as TransUnion 's and Experian 's lack of action contravenes federal regulations and infringes upon my consumer rights.

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 2025-04-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadiquate customer service and unfair practices which violate the Customer 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 Fraud Transfer Act ( EFTA ) and Regulation E. 
These actions have cause significant inconvenience and financial loss, and i seek redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
Was put on my credit on XX/XX/year> in the amount of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, XXXX issued a refund of {$1100.00} to my PayPal account for a canceled order. According to XXXX confirmation, the refund was successfully processed and was expected to reflect by XX/XX/year>. 

I waited for the amount to arrive, but it never appeared in my PayPal balance or linked bank account. As a result, I submitted a dispute to PayPal under Case ID : XXXX and provided a screenshot of XXXX official refund confirmation. 

Despite this clear evidence, PayPal closed the case stating that the transaction was processed correctly. No refund was received on my end, and no explanation or proof of refund was provided by PayPal. 

To support my case, I have : A screenshot of my PayPal activity page showing that no refund was received. 

A screenshot of XXXX refund confirmation with refund amount and date. 

PayPals handling of this dispute appears dismissive and unjustified. They did not provide any verification that the funds were delivered. This has caused me financial harm and a loss of trust in XXXX dispute resolution process. 

I request that the CFPB review this matter and help ensure PayPal either delivers the missing refund or provides clear proof of where the funds went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/year> I filed a complaint against Resurgent. They responded that they don't send information to a third party I am not a third party. I am the affected consumer. 

This company is reporting a debt to my credit report that does not belong to me and though I have attempted numerous times to get a copy of the signed credit application, they do not respond. They don't have a signed contract, if they are going to provide statements, statements are not a signed contract.In order for me to further investigate and take this matter to court, I need a a copy of the original signed contract signed by me, not statements. I went to file a police report and they asked me to bring them the contract, I don't have it unless this company provides.And I also don't have a signed contract with the collection agency Resurgent or LVNV account number XXXX ( as they have it on my credit report ) for the amount of {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Original creditor : XXXX XXXX XXXX XXXX Debt buyer who is contacting me, XXXX XXXX XXXX  Account # : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Debt amount : {$480.00} According to 15. U.S.C 1692 ( C ) you have violated my rights by unlawful communication. please remove this collection off of my credit report thank you.

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see validated proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of validated proof, you must remove the accounts listed below. 

Account # XXXX I demand the following accounts to be validated or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-05 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally dispute and request the immediate blocking of fraudulent information appearing on my consumer report, as permitted under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). My personal identifying information has been unlawfully used without my consent, resulting in unauthorized accounts and credit inquiries being reported in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had an XXXX XXXX Credit card with XXXX XXXX, and the APR was about 24 %. So by XX/XX/year>. I received a noticed from the XXXX XXXX Credit card stating that they are going to increase my APR around 30 % due to market regulation. Then they said that if I do not accept the increase they will close my account. Then If I do not deny, the increase will be automatic. So by XX/XX/year> I reach out to them to tell them that I will not accept the new APR. then they said to me, that they will close out the account and I will be able to get this account back, and I agreed. So they closed the account, but I received a statement later on after the account was closed that I still had to pay off a debt of {$15.00}, XXXX. XXXX for a transaction that was made onto my credit card on XX/XX/year> that I did not really aware of. So I tried to logging onto my credit card account to dispute that charge multiple times, and it has never been successful. I tried to reach out to the company, and it did not get successful either. As of now I am still making payment for that debt, despite the account is closed.

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 2025-04-05 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: AL

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-04 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: Collection Professionals, Inc.
State: TX

Complaint narrative:
This letter is in response to XXXX regarding the XXXX medical collection accounts allegedly associated with visits to XXXX XXXX XXXX XXXX 

While you claim that notices were mailed to a prior address ( XXXX XXXX XXXX ), I did not receive any initial communication regarding these accounts. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to receive proper validation of debt within XXXX days of initial communication. Merely stating that notices were sent does not satisfy this legal requirement, especially when sent to outdated or incorrect addresses. Furthermore, I have never received any documentation or itemized bills that verify these debts or confirm my responsibility for them. 

These are medical collections, which are subject to additional restrictions under the new CFPB guidelines effective XX/XX/year>. Additionally, under the FCRA ( 15 U.S.C. 1681s-2 ), any information furnished to credit reporting agencies must be accurate and verifiable. I am asserting that these accounts are inaccurately reported and unverified, and I am formally disputing them. Additionally, sharing, accessing, or attempting to collect on medical debts without proper patient authorization and without disclosing details in a HIPAA-compliant format raises serious privacy concerns. No HIPAA-compliant release or verification has been presented, and your failure to safeguard or provide this information in a compliant manner may result in further legal and regulatory consequences. 

Given the following facts : I did not receive proper notice of the debts. 

No itemized billing or validation was provided. 

I do not acknowledge owing these debts. 

I am demanding that all XXXX accounts be removed from my credit report immediately. If they are not removed within XXXX days, I will file formal complaints with the FTC, and consider legal action for FCRA and FDCPA violations. 

Any future communication should be in writing via CFPB for a complete paper trail. I will not be contacting your office by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXXXXXX XXXX Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within XXXX business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor 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 non-monetary relief
Consumer complaint received 2025-04-05 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: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXXXXXX XXXX Account # XXXX with the balance of {$5100.00} ( XX/XX/year> ). I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature authorization and consent within XXXX business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Exquifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). 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 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
My XXXX yr old son purchased a ticket to barber event in XXXX. We live in XXXX and from my understanding he didn't realize it was the XXXX XXXX he purchased. When I say the charge on his account i tried to reach out to the merchant and was unable to get in touch with anyone. I then disputed the charge and it was denied stating I auth the charge. 

My son has never left XXXX doesn't even have his driving permit and would definitely not be able to attend an event in anther state. This is the XXXX time current has denied assisting with stopping payment or refunding payment. We still can not get in touch with anyone from the event to refund a ticket fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Debt is not owed. XXXX XXXX XXXX XXXX apartments are attempting to collect on unjust charges. Attempts were made for them to correct the charges. Court date is pending with XXXX XXXX XXXX XXXX Apartments. Attachments will not be included in this complaint as they will be used in court.

Company response to consumer: Closed with explanation