vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Subject : Urgent Dispute of Verified Charge-Off Account Dear Experian Team, I am writing to follow up on my previous dispute regarding the XXXX account ( account number : XXXX ), which you marked as " verified '' in your last investigation. Despite this verification, I am disputing the accuracy of this account 's status and balance. 

Recent allegations outlined in the Consumer Financial Protection Bureau 's lawsuit against Experian, filed on XX/XX/year>, have raised concerns about the integrity and accuracy of consumer data handling practices. 

In light of these allegations, I believe that I am a victim of the practices cited in the lawsuit and am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute and request validation of this account. I am particularly concerned about the verification process you conducted to confirm the accuracy of the above-referenced account. Therefore, I request detailed documentation and evidence used to verify the accuracy of this account. 

The account in question is a charge-off that is incorrectly reporting an outstanding balance of {$340.00}. According to my records, the balance should not be reporting as such. Reporting a balance owed after an account has been charged off is fraudulent. This account was charged off and should not be reporting a balance owed. Experian has failed to conduct a proper investigation, and I request that this account be deleted immediately. 

Please provide the following : Detailed steps taken in your recent verification process. 

The original creditor 's name, address, and contact information. 

Copies of any documents used to verify the account 's accuracy. 

Any communication exchanged between Experian and the creditor regarding this account. 

The date the account was closed. 

The date of the last activity on the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that the information reported is accurate and verifiable. I am requesting that this account be re-investigated and the incorrect balance be rectified immediately. 

Your prompt attention to this matter is appreciated, and I trust that you will comply with the legally required time frame for addressing disputes. 

Thank you for your cooperation. 

Sincerely,

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 2025-02-12 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: DISCOVER BANK
State: KS

Complaint narrative:
This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. 
This is discrimination and misleading on Discovers part, I am now being harassed my Discover, Representatives have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by Discover yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and Discover needs to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: DISCOVER BANK
State: KS

Complaint narrative:
This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also sent via mailed format. My name is NOT XXXX XXXX, I am NOT and never have been associated to XXXX, my address is NOT XXXX XXXX XXXX XXXX XXXX XXXX I have never been associated to said address. 
This is discrimination and misleading on Discovers part, I am now being harassed my Discover, Representatives have failed to resolve correctly. This is also racism as I am XXXX. I have been more than cooperative, providing every document requested by Discover yet they have not marked this as fraud, leaving the possibility open for whoever stole my social and committed this atrocity to potentially reuse their services, unacceptable. This is Negligent and Discover needs to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-12 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 am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specially, 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 Regulations 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 2025-02-12 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: IL

Complaint narrative:
I would like this inaccurate information to be deleted and corrected as soon as possible as it is also affecting my Fico scores. 
Accounts opened by fraud : XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX, {$10000.00} XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX, {$46000.00} XXXX. XXXX XXXX XXXXXX/XX/XXXX, XXXX, {$78000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, {$2100.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$0.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$0.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$0.00} Fraudulent inquires- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
RE : Dispute of Account and Request for Reinvestigation and Verification under FCRA I am writing to formally dispute the inaccurate information being reported on my credit file, as provided by GLOBAL LENDING.

I demand an immediate reinvestigation of this account in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates a prompt, thorough, and fair investigation of disputed information. This account is being inaccurately reported, and I am requesting that you conduct a reinvestigation to verify the legitimacy of this account and its reporting.

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 2025-02-12 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 recently reviewed my credit report and noticed accounts that was not reporting accurately. I had late payments on accounts that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts has not been late on payments, I've attached a copy of my report to this complaint on the following dates ( 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 I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-02-12 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
XXXX of XXXX I noticed I've been paying for reoccurring charges to businesses I do not use. Put in disputes that were denied and I locked my cards during this process. The same businesses were able to still charge my card and American express continued to let them do so after hours of phone call, police reports for disputes and incurring interested. My account was cancelled. Amex continued to run me around sending documents to them multiple times, sitting on the phone back and forth to countless people with no resolutions ever. just more paperwork police reports and things for me to do. All while Amex is still charging me. XXXX XXXX all my calls to Amex resulting in them telling me i was sent to collections. Collections company sends me a statement for a specific amount. Collections is not reporting to my credit report. Amex is reporting to my credit report, and the statement balance is increasing. They won't handle my disputes correctly and correct my balance due on an account that should have been cancelled and closed XXXX XXXX They are saying my account is in collections meanwhile holding my account open and charging me interest monthly. 

The previous response to be not sufficient and did not cover any of my issues with the disputing. the credits given to me in XXXX of XXXX were given after a millionth phone call and me pursuing this monthly to be passed around with no new info. 

Now communicating with the company just doesn't happen they refer me to collections. yet, still send me statements with an increasing balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Fees and overdrafting delay of deposit and didnt have a number to contact them at

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
Subject Account # XXXX To Whom It May Concern, I am writing in response or communication regarding the alleged debt associated with [ account number or original creditors name ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request the following information : 1. Chain of Assignment : A complete record of the transfer of this debt from the original creditor to your agency, including copies of all agreements, sale contracts, or assignment documents. This should clearly demonstrate your legal right to collect this debt. 2. Original Creditor Information : The name, address, and contact details of the original creditor, along with a detailed breakdown of the alleged balance, including principal, interest, fees, and any other charges applied. 3. Verification of Debt : A signed copy of the original agreement or contract that I allegedly signed, proving that I am responsible for this debt. 4. Proof of Your Right to Collect : Documentation confirming that your agency has legal authority to collect on this debt, as required by law. Until I receive proper verification, I request that all collection activities, including credit reporting, cease in accordance with 15 U.S.C. 1692g ( b ). If you fail to provide the requested documentation, I expect this alleged debt to be removed from my credit report and that you will cease further collection attempts. Please respond to this request in writing within 15 days of receipt of this letter. Failure to provide adequate documentation may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I sent XXXX XX/XX/XXXX to my XXXX checking to be paying for my XXXX credit card as I have done for years. 
Bank of America with no notice no consent and no right took XXXX out of my account for XXXX and applied to a closed and charged off business credit card instead of my personal card. 
Then they marked me 30 days late destroying my perfect credit. 
I contacted Bank of America and they did nothing

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 2025-02-12 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: NY

Complaint narrative:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance {$2000.00}

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 2025-02-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland is trying to sue me for account that i tried to pay off and the have written off on there taxes and been repaid for and gave my info to a collection agency without my permission to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt that you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide me with verification of the debt and evidence that you have the legal right to collect on it. 
Please provide me with the following information : 1. The full name and address of the original creditor associated with the debt.

2. The amount of the debt, including a breakdown of any interest, fees, or other charges.

3. Documentation or a copy of the original signed agreement or contract that created this debt, including any amendments or updates.

4. Proof of your authorization to collect this debt, including any assignment or transfer of the debt to your company. 
5. A detailed payment history, showing any payments or adjustments made to the debt.

Please consider this letter as a formal request to validate the debt. As required by law, until you provide the requested validation, you must cease all collection efforts on this account, including reporting to credit bureaus. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-12 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: FL

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 : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED 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