vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Concern Regarding Disclosure Procedures Dear, I have previously worked with American Express Company, and I would like to address some concerns regarding procedures and requirements that have not been met. During team meetings, I noticed that disclosures were often not being read, which was disheartening, especially after hearing feedback from other former employees. 

It seems that supervisors and managers do not emphasize the importance of ensuring that employees read these disclosures to clients. This lack of diligence could harm the company 's reputation. I believe that bringing this report to your attention could benefit the company and encourage better training and adherence to protocols in the future. 

I would also like to request an investigation into phone calls from previous years up to the present. It is essential to address any fines or penalties to ensure that clients receive proper care and that there are no misunderstandings. 

Thank you for your attention to this matter. 

Best Regards,

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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2025-04-05 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: WI

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 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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Yes someone hacked my cash app I had no money on there so it charging my XXXXXXXX XXXX  card up to {$75.00} and it wasn't me I called cash app and told me it's my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX and asked for chain of sale custody from original creditor to this alleged debt owed and phone call logs due to harrassment calls to me and calling before XXXX XXXX and after XXXX and calling other family members looking for me and previous work job location previous employer. I disputed this and was sent summons to go to court over debt owed and did not get to mediate with mediator and when straight in front of judge who I explained information on not getting correct documents to prove debt properly and he did not care and even though XXXX XXXX XXXX XXXX XXXX violated by contacting me during off hours before XXXX XXXX XXXXnd after XXXX and contacting my previous work employer and other family members the judge did not care and placed offical judgement on me which I explained I have mental XXXX do not make money and do not work at all and have no assets or funds to pay and will never have and it did not matter and judgement was placed on file which is making life more difficult and just want debt gone and judgement removed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX

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: NJ

Complaint narrative:
On XX/XX/year> a company called XXXX ( XXXX ) requested to have all negative comments/remarks removed from the Credit Bureaus. However, Equifax and Transunion have not removed it. It has been over sixty days from the date of request. I have reported the companies to the XXXX XXXX XXXX and the CFPB. It appears they refuse to follow instructions. I have filed numerous disputes on their websites to no avail. I am not able to make any purchases at this time, as this negative reporting has been affecting me for a while now. This has caused me nothing but stress. I have been going back and forth with them since XXXX. If this issue is not resolved, I will be obtaining an Attorney. I hope this issue can be resolved.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : Date of Inquiry ( s ) : Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: OR

Complaint narrative:
On XX/XX/XXXX I used a prepaid card provided by Ace Cash Express which is a flare account prepaid card. They closed my account due to suspected fraudulent activity. When I called they said they would send a check in the amount of the remaining balance on my account and that I would receive it within 7-10 business days. It's been over 3 weeks and still haven't received a check. What I did receive a couple weeks ago was another prepaid debit card but when I called to have it activated they said they couldn't activate it because the account was closed and that I would receive a check. At that point I let the person know that it has been over 10 business days and I still hadn't received anything. So the person I was speaking to told me that USPS had made a mistake and that there was a delay. They wouldn't provide me with any other information and when I requested to speak to a manager the person I was speaking to told me I couldn't reach that level.

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: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Dear Exeter Finance, I am respectfully requesting the issuance of an IRS Form 1099-C for the below-referenced account, which has been charged off and reported as such across all three credit reporting agencies : Creditor : Exeter Finance Account Number XXXX XXXX Date Opened : XX/XX/year> Reported Status : Charged Off Amount Reported : Over {$600.00} Under 26 U.S. Code 6050P, any debt cancellation over {$600.00} that has been deemed uncollectible should be reported to the IRS through a 1099-C form. This account has now been reflected as charged off by XXXX, XXXX, and XXXX, and is significantly impacting my financial recovery. 

I am humbly asking for your compassion and grace in honoring this request. I have recently gone through a very difficult divorce and am now raising XXXX children alone without any family support. During the course of that marriage, I was forcefully isolated from friends and family, and I am only now beginning to rebuild what I call my " genius circle '' a support system for healing and growth. 

As I work to find stable and safe housing for my children and myself, this charged-off account is creating a substantial barrier. Its presence on my credit file makes it difficult to secure the housing we need. I am not asking for anything beyond what is just and lawful under the tax code, but I am extending this request with sincerity and a genuine need for grace. 

In addition to the 1099-C, I am requesting that you also submit a request for deletion of this account from all three major credit bureaus : XXXX, XXXX, and XXXX. Given the circumstances, your help in having this item removed would create real and immediate relief for my family. 

Please consider this an urgent appeal to both humanity and policy, and I appreciate any grace you may extend. 

Thank you for taking the time to consider my request. 

With deep respect, XXXX XXXX XXXX XXXX XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
. Unfortunately, these addresses have not yet been removed, and I believe that the policies of the Credit Bureau are not being properly followed. Additionally, it appears that there has been a lack of thorough investigation into my issues and complaints. 
The addresses that should be removed immediately are as follows : 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 request that these addresses be removed from my credit file as soon as possible, in compliance with the Credit Bureau 's own policies and procedures. 
Please confirm when this action has been taken, or if further documentation or clarification is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I Gave Truist collateral which is an application and return I should receive XXXX devices- [ credit card. ] They are judging my principal off a credit score. I have the capacity to contract. ( see Power of Attorney ). This will be considered discrimination by Truist employees. ( see application Id - Letter ). Now, I reconsideration should be consider. 

Now, if the securitized the application I will track it down, find the cusip number and report the Security Exchange Commission and Internal Revenue Service.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 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 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter that purported to be from Citi. It stated that I had an account with them and that an error occurred when they attempted to credit my account. It provided the phone number, XXXX. I phoned the number and spoke to a representative to resolve the issue, as I did not have an account with them. I ended up providing my Social Security number, name, address, phone number, and email address. I discovered later, while speaking to my daughter, that this was a scam.

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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA 609, 611, 605B ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau Reporting : [ XXXX XXXX XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA 605B ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file.

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe mental illness and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable.

Violation of My Rights Under FCRA 604 and 609 I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA 609, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability.

Americans with Disabilities Act ( ADA ) I am protected under the ADA due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but may constitute discriminatory practices and cause irreparable harm.

Requested Action : Immediate removal of the disputed account from all credit reporting agencies.

An investigation by the furnisher and a response within the required 30-day period under FCRA 611 .

Written confirmation of the removal and a copy of my corrected credit report.

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor.

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX 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 AND XXXX 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX Account XXXX : XXXX OF XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX IN XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX Equifax

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 — Account status incorrect
Company: Medical-Commercial Audit Inc
State: IN

Complaint narrative:
They have a statement from XXXX and I have been disputing this since then because I had insurance. I decided to pay the full because I need a place to live after a house fire. This company put 46 hard inquirys on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief