vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against the Army and Air Force Exchange Service and the Defense Finance and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> : I reported an unauthorized charge for {$39.00}, Citibank replaced my card the following day. 
XX/XX/year> : I received my tax refund, since then Citibank has been freezing my account and declining transactions, whenever I called they stated everything was fine. Though it wasnt. 
XX/XX/year> : I called and reported the account declining transactions and they told me my account was up for review and now I needed to wait XXXX to XXXX hours and they would expedite it. 
XX/XX/year> : I called again since they told me it was expedited and expectation that it would just be the XXXX hours. They stated that they cant disclose any information to me about the review and my account can be used as normal even though I keep getting declined transactions. 
XX/XX/year> : the XXXX hours has passed. And they stated that I need to wait XXXX business hours so now its Monday that the account will be frozen until, and they will be mailing me the reason as to why the review happened in the first place. Since then, I have been charged XXXX bounced payment fees that I am now responsible for and have no reason to give. 
This is my house payment and its a tiny home that can be repossessed and I have no reasoning to give them. So I am responsible for {$50.00} a day until its paid on the XXXX day they come and repossessed my home. It has now been 4 days, which is {$200.00} and it will be at {$300.00} by the time Monday comes around. Why should I be responsible for Citibank freezing my account without any notification to me at all and then making me wait for an answer as to why on top of declining transactions.

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 2025-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Essential Lending Inc
State: MO

Complaint narrative:
In the month of XX/XX/year>, I reach out to Wise loan in regard to a debt that reflects on my credit report. I wanted to get a better understanding and validation of the debt and possibly pay in hopes to have debt removed from my credit report. I spoke with an agent who notified me that debt was sold to another agency. I then reach out to that agency that was provided to me by Wise and was notified that they do not have the debt, and it was in the hands of Wise. This left me with no choice but to dispute with all three credit bureaus to remove unvalidated debt and also because no one seem to know who has the debt. I received a letter on XX/XX/year>, from Wise indicating the same thing that was told to me over the phone in XXXX that another agency has the debt. I then repeated my steps and called the number that Wise provided to me on the letter mailed and I was again told that the agency does not have the debt Wise is indicating that they have. As a consumer who is in the process of trying to purchase a home this issue is affecting my credit and my process of moving forward with my life. I am praying that you can help me get to the bottom of this and also request that the credit bureaus force the creditor to report accuracy and a better line of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
Calling me multiple times a day. They have called me 10 times since Thursday XX/XX/year> and today is Saturday XX/XX/year>. I've explained multiple times i can not even pay my mortgage at this time and they'd be last on my list of bills to pay and they still repeatedly call me knowing they're just harassing me for no reason and when I tell them I don't have it and need to pay my mortgage they tell me I really need to get them their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I mailed certified letters about a false accounts due to credit fraud and they never responded nor investigated. This is ongoing and no proof from them stating how they got to the conclusion or ownership. 

XXXX XXXX XXXX XXXX Account Number # # # # # XXXX {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, XXXX XXXX XXXX, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, XXXX XXXX XXXX, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: MI

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 incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as 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

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against the Army and Air Force Exchange Service and the Defense Finance and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated 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 2025-02-22 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:
XXXX XXXX XXXXXXXX XXXX XXXX  are fraud accounts

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 2025-02-22 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:
XX/XX/XXXX are fraud accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Breach of my data Credit report with different amounts owed, incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I mailed certified letters about a false accounts due to credit fraud and they never responded nor investigated. This is ongoing and no proof from them stating how they got to the conclusion or ownership. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX {$1100.00}

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 2025-02-22 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: GA

Complaint narrative:
On XX/XX/year>, I made a purchase with XXXX  for a DNA kit at XXXXXXXX XXXX using my Cash App account. Despite having sufficient funds in my account, on XX/XX/year>, at XXXX XXXX, my account went negative for {$94.00} due to the XXXX charge. I contacted XXXX, who confirmed they received my payment, as my DNA kit was shipped and scheduled for delivery. I provided this information to Cash App, but they did not explain why my account went negative. Instead, they told me to add funds to cover the negative balance. Fearing that my account would close, I added funds to bring my balance back positive. 

On XX/XX/year>, my account went negative again for {$45.00}. I contacted XXXX, then was transferred to XXXX XXXX  and XXXX XXXX XXXX XXXX  Representative, who confirmed that my transfer from XX/XX/year>, was successful. Cash App again instructed me to add funds without providing an explanation for why the negative balance occurred. In fear of account closure, I added funds to bring my balance back to positive once again. 

Cash App has not provided an explanation for why my account went negative, and their only solution has been to add funds without addressing the underlying issue. This has caused me significant frustration and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
The following accounts were a result of identity theft. I have reached out to XXXX and they agree and I am not responsible for the accounts listed below. I have attached proof. 

Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX  Balance {$3200.00} Last Payment Amount {$0.00} Original Amount {$3200.00} Past Due {$3200.00} Account Number XXXX Name XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX Balance {$510.00} Last Payment Amount {$0.00} Original Amount {$510.00} Past Due {$510.00}

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 explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
The following accounts were a result of identity theft. I have reached out to XXXX and they agree and I am not responsible for the accounts listed below. I have attached proof. 

Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX  Balance {$3200.00} Last Payment Amount {$0.00} Original Amount {$3200.00} Past Due {$3200.00} Account Number XXXX Name XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX Balance {$510.00} Last Payment Amount {$0.00} Original Amount {$510.00} Past Due {$510.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
I have disputed 2 collection accounts with XXXX with Transunion and Equifax only to be ignored. Transunion and Equifax failed to properly investigate my disputes. Transunion removed the collection accounts only to reinsert them 2 weeks later. I have no signed agreements with XXXXXXXX XXXX  what so ever. I asked the company to provide the contract and or a forward flow agreement which they could not. As a consumer Transunion and Equifax has failed as they are reporting inaccurate, incomplete and untrue information on my credit report. This is a violation of the FCRA guidelines. I have attached my identification and a copy of a utility bill as Transunion and Equifax trys to use that as a loophole to not view my claims as valid.

Experian has found my claims to be valid and has removed these accounts entirely from my credit report and I expect Transunion to follow suit.

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 2025-02-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief