vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX I accidently paid " XXXX XXXX '' {$150.00}. After completing the payment I realized I paid XXXX XXXX instead of XXXX XXXX ( who I have a history of paying several times prior to this transaction ). I immediately sent a request to XXXX XXXX explaining the situation and asking for the money back. She never responded or returned the money so I called Chime to help me return my money. After verifying that I had never paid Sonia Martinez before and that she was not in KY contacts Chime opened a dispute and explained it could take XXXX business days for the investigation and that a credit would be issued to my account. After one day I received an email from Chime stating the dispute was closed and the transaction was determined to not be done in error. I have screen shots of all of the transactions and proof I do not know XXXX XXXX and had never paid her on Chime before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Account number XXXX amount XXXX Dear CFPB Representative, I am writing to formally dispute and request immediate action regarding Portfolio Recovery Associates continued and unlawful reporting of debt on my credit report. Despite my previous disputes and requests for validation, this collection agency continues to report and/or reinsert derogatory information on my credit file, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Nature of the Dispute : Unauthorized Reporting : The collection agency has continued to furnish negative information regarding [ Account Number or Reference ] without providing proper validation of the debt. 
Reinsertion of Previously Removed Items : If applicable, explain that the agency has reinserted items that were previously removed without providing the required notice to me as mandated under the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ).

Harassment and Unfair Practices : The collection agency has engaged in unfair collection practices, including repeated reporting of disputed debts and failure to cease collection efforts despite my formal dispute.

Requested Action : 1. Cease and Desist : I demand that Portfolio recovery associates immediately cease all reporting of this debt to any credit reporting agencies ( XXXX, XXXX, and XXXX ) and stop all collection efforts. 
2. Investigation & Removal : I request that CFPB investigate this matter and instruct the collection agency to remove this disputed debt from my credit report unless they can provide adequate and legally required documentation proving the validity of the debt.

3. Compliance with Federal Laws : Ensure that the collection agency is adhering to all applicable federal regulations, including FDCPA and FCRA, and take enforcement action if necessary. 

I have attached a previous letter from portfolio recovery associates stating that the account in question will be deleted from all credit bureaus and as of today they put the same collection account back on my credit report which is unlawful Failure to address this matter promptly may result in legal action against the collection agency for violations of my consumer rights. I expect a written response from CFPB acknowledging this complaint and detailing the steps being taken to resolve this issue. 

Please feel free to contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-01 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>

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 2025-02-01 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: CA

Complaint narrative:
I have provided court documents that XXXX XXXX XXXX was informed to retract erase from my profile {$420.00} I have sent registered letter as well to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX GA XXXX which was returned BAD ADDRESS

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 2025-02-01 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: GA

Complaint narrative:
Experian 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 Experian, 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 Experian 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 disputed accounts, as Experians 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 explanation
Consumer complaint received 2025-02-01 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 recently reviewed my credit report and discovered multiple unauthorized hard inquiries that I did not approve. These inquiries are fraudulent and negatively impact my credit score. 

The following unauthorized inquiries were made on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), a company must have my explicit authorization to access my credit report. Since I did not provide consent for these inquiries, they must be removed immediately. 

I have already disputed these inquiries with the credit bureaus, but I am filing this complaint to ensure that my rights are protected and the fraudulent inquiries are deleted. Please investigate and remove these inquiries from my credit report as soon as possible.

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 2025-02-01 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: KY

Complaint narrative:
Experian has failed to fullfill 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 Experian 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 Experian 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 Experian '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 explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-01 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: MD

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 proces 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
With a agreement attached we the Landlord as well the Courts agreed to retract said debt and I don't owe such and promised for this collections to come off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo committed Identity theft and fraud against me while I had a mortgage with them for XXXX  months. Added a monthly payment to the monthly mortgage payment for fraudulent add ons. Without my knowledge. I have been stating this complaint for months and your company sends it back to them. To be their own judge. What do you actually do for consumers? How can the criminal de ide they did not commit a crime? I would be in prison for this fraud and identity theft.

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 2025-02-01 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: FL

Complaint narrative:
Im working on improving my credit, but I noticed the account XXXX XXXX  with number XXXX is showing up incorrectly as CollectionOrChargeOff. Youve reported this account as opened on XXXX, with a date of last activity of XXXX, and it was last verified on XXXX. 
This error is really holding me back from reaching my financial goals, like buying a house or getting a better credit card. According to 15 U.S.C. 1681i, I need to see how you verified this information and proof that I owe {$380.00} since I dont owe this amount. 
Thank you for addressing this promptly. 
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX credit sale vehicle not loan auto I have reinvestigate four times. Still the accuracy of this report is not consistent balance in correct not inform how they can to this conclusion.But tran union XXXX XXXX come back as verified. How can you have different balance for same account from three different bureau. This account need be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: MI

Complaint narrative:
Tomoboost continues to try and debit my accounts on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/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
Consumer complaint received 2025-02-01 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: NY

Complaint narrative:
I have various account on my credit report that are inaccurate and/or unknown that I have disputed numerous of times for them to pop back up on my credit report. None of the companies can provide me a description for any of what has been reported that is inaccurate, i did not consent to. 
Id like for this matter to be taken care of in a proper and professional manner.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered multiple inaccuracies in my credit report from Experian. I immediately disputed these errors, citing FCRA violations. The bureau failed to properly investigate and correct the issues : Account XXXX  XXXX ( XXXX ) was reported as opened on XX/XX/XXXX with a last payment in XX/XX/XXXX, despite my FTC Identity Theft Report filed on XX/XX/XXXX. This violates 15 U.S.C. 1681c-2. 
Experian failed to remove the XXXX  XXXX account after my initial dispute on XX/XX/XXXX, as evidenced by its continued presence in the XX/XX/XXXX report, violating FCRA XXXX ( a ). 
A XXXX XXXX  XXXX account remains on my XXXX report despite my dispute, breaching 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
An obsolete XXXX XXXX  XXXX account opened in XX/XX/XXXX exceeding the 7-year reporting limit for charge-offs is still present, violating 15 U.S.C. 1681c ( a ) ( 4 ). 
I sent certified dispute letters on XX/XX/XXXX and XX/XX/XXXX, but Experian failed to respond within the mandated 30-day timeframe. Their inaction has severely impacted my credit score and financial opportunities.

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 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Pursuant to 15 USC 1681b, my personal information can not be furnished without my authorization. Additionally, under 15 USC 1681c-2, any account resulting from identity theft should not be reported. Given that I am a victim of a data breach, I believe this account is fraudulent and should be immediately removed from my credit report. 
I have included supporting documentation from the creditor confirming my claim, along with evidence of the data breach. Reporting false information violates the Fair Credit Reporting Act ( FCRA ), and I trust that XXXX will address this matter with urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
XXXX USAA Visa Rewards card I am filing a complaint against XXXX for failing to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), and reporting misleading information that has damaged my credit. 

Failure to Conduct a Proper Investigation I submitted a dispute to XXXX regarding an inaccurate account on my credit report. 
XXXX illegally refused to investigate my dispute unless I provided a police report, which is not required under the FCRA for a standard dispute. 
Under FCRA 611 ( 15 U.S.C. 1681i ), XXXX is required to conduct a reasonable investigation within 30 days and provide a method of verification ( MOV ) upon request. They failed to do so. 
Failure to Verify Disputed Information XXXX did not provide me with any legally binding proof that I am responsible for the disputed account. 
They refused to produce any signed contract or original documentation, violating FCRA 611 ( a ) ( 5 ) ( A ), which requires them to delete information if it can not be verified.

Misleading and Harmful Credit Reporting I continue to receive electronic messages stating that a closed and charged-off credit card is over its maximum limit. 
This misleading alert, sent to XXXX XXXX XXXX, American Express My Credit Card, and XXXX XXXX XXXX, falsely inflates my credit utilization, which damages my XXXX Score. 
Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), XXXX must ensure maximum possible accuracy in reporting, yet they continue to report misleading information. 
Unfair Stall Tactics I live outside the U.S., making it difficult to file a police report, which XXXX knows. 
XXXX is using this as a deliberate stall tactic to avoid correcting the errors in my credit report, violating my rights under the FCRA.

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