vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, that transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-12 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: AZ

Complaint narrative:
My personal info was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - XXXX, Bal- {$5400.00} Date opened : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Bal- {$770.00}, opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX- XXXX, Bal- {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$500.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$700.00}, opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My personal info was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX - XXXX, Bal- {$5400.00} Date opened : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Bal- {$770.00}, opened : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX- XXXX, Bal- {$1100.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$500.00}, opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX, Bal- {$700.00}, opened : XX/XX/XXXX 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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under XX/XX/XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Please be informed that I have been impacted by a data breach, and I request the removal and blocking of unauthorized accounts and inquiries from my credit file, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Please be informed that I have been impacted by a data breach, and I request the removal and blocking of unauthorized accounts and inquiries from my credit file, pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I have requested validation of debt from this debt collector on various occasions. 

First on XX/XX/year>, I mailed them a request stating I disagreed with this debt and demanded an accounting of the balance, as well as a evidence from the apartment company to substantiate it. Once I did not receive a response, I sent an additional request in XX/XX/XXXX, and to this day I have not received anything. Furthermore, I have disputed this with XXXX as well, and Genesis XXXX Responded to XXXX but not to me, in violation of Texas Consumer Law, California Consumer Law, and Federal Collection Debt Collector law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have no idea who this company is trying to collect a debt for. I have disputed via transunion and the results come back an hour later, sho how it that a proper dispute. I need to know who the original creditor is, when the account was opened and why are you all requesting a balance of over XXXX $ with no original creditor even listed on the credit report to even see whats going on. You remove the tradeline and then put it back a couple of months later. How is that possible? No billing statements have ever been sent, no phone calls. This company is just there. On my report. I dont even have an account number to even reference to anyone to get details about anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Please remove many hard inquiries in my credit report that are not mines. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove many hard inquiries in my credit report that are not mines. 
XXXX 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 XXXX XXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : Southern Finance : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
Gulf coast collection bureau contacted me via text back in XXXX  about a debt owed to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I originally gave them the insurance information & they said they would rebill the insurance, my insurance has no history of any bill that has been declined. They contacted me again a couple days ago, we are now in XXXX  trying to collect a debt, I asked them for any information they can provide me for the XXXX that is claiming the debt, they gave me a fake doctor name & no phone number who is not in the records of the hospital I gave birth in, & another name of a pediatrician who according to their own records my child has never been seen by her. I contacted them again & they provided me with the updated name of XXXX XXXX XXXX XXXX who now goes by XXXX physician services, they have absolutely no record of unpaid bill & they don't even recognize gulf coast collection bureau inc as someone they work with to collect their debts. I have called this debt collector multiple times trying to get more information or to verify if this debt is real but they have not provided me with any solid proof & have contacted me multiple times with this mystery debt. They are scammers!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Subject : Formal Complaint Regarding Debt Collection Practices To Whom It May Concern, I am writing to formally complain about an unacceptable experience I had with your debt collection agency on XX/XX/year>. During this interaction, I made a payment towards my outstanding debt, fully expecting that this would help resolve my financial obligations. 

However, shortly after my payment was processed, I was informed that my debt had been sold to another collection agency. This practice feels unethical and raises serious concerns about the transparency of your operations. I believe that as a consumer, I have the right to know how my payments are being handled and the status of my debt. 

The lack of communication and the abrupt transfer of my debt after fulfilling my obligation has caused me significant confusion and distress. I would like to request a full explanation of this practice and the rationale behind it, as well as an assurance that my payment will be credited appropriately in this transfer. 

I expect a prompt response to this complaint and a resolution to my concerns. Thank you for your attention to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Final Notice Failure to Comply with FCRA Requirements & Demand for Deletion of Late Payment on XXXX XXXX  Account credit card account number ending in ( XXXX ) To Whom It May Concern, I am writing to formally demand that you immediately remove the inaccurately reported late payment on my XXXX XXXX account from my credit report. I have previously disputed this information and requested a proper reinvestigation, but you have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements by not providing a detailed Method of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ).

FCRA Violations Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when I request the method by which you verified the disputed account, you are legally required to provide me with : 1. The name, contact information, and details of the party you verified the information with.

2. A full description of the investigation, including steps taken, documents reviewed, and individuals contacted.

3. The dates and times when you conducted this investigation.

You have failed to provide this information, violating the FCRA. Additionally, your failure to conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) constitutes willful noncompliance. 

XXXX & XXXX Consequences Your noncompliance has caused me significant harm, including financial loss, emotional distress, and damage to my creditworthiness. Under XXXX XXXX. XXXX, I am entitled to statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees. 

Final Demand Remove the Late Payment Immediately I am giving you XXXX ( XXXX ) days from the receipt of this letter to : XXXX. Permanently delete the inaccurate late payment on my XXXX XXXX account from my credit file. 
XXXX. Provide me with written confirmation that this late payment has been deleted. 

Failure to comply will leave me no choice but to pursue legal action against you for your violations of the FCRA. I will be filing a lawsuit in XXXX  XXXX XXXX XXXX for statutory damages, actual damages, and any further relief the court deems appropriate. 

This is my final attempt to resolve this matter amicably before litigation. Please address this issue immediately and confirm in writing. 

Sincerely, XXXX XXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I contacted Security Service Federal Credit Union on XX/XX/XXXX and spoke with their customer service representative named XXXX at XXXX XXXX to inquire about an erroneous entry being reported to the XXXX XXXX XXXX platform regarding a fraudulent charge in the amount of {$470.00} pertaining to an account that was closed due to the fraudulent activity. This account XXXX was closed and notated as being related to fraudulent activity and a new account was opened. The customer service representative cleared out that transaction from the balance showing paid in full ( zeroed out due to the fraudulent activity ) on XX/XX/XXXX. However, Security Service Federal Credit Union still continues to report this as an amount being owed by me through the XXXX XXXX platform. This has caused injury to my creditworthiness and has prevented me from opening further bank accounts at will or without reprimand. I have already tried to dispute this issue directly with XXXX XXXX and they refuse to remove the entry because Security Service Federal Credit Union is reporting this as " NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ) AND VERIFIED ACCURATE BY FI ; '' - even though it has reported a closure status showing as : PAID IN FULL with a Closure Status Date of : XX/XX/XXXX. XXXX directed me to fill out a Credit Bureau dispute form online so that this request is formally disputed in writing with their organization and the issue will get investigated and resolved within a few days. However, I never received a response from anyone regarding this inquiry. I also called back to follow up and they still refuse to fix or settle this issue as requested. In fact, they attempted to use this issue as a way to hold this over my head in order to get me to pay on a credit card bill that is also in dispute with this same organization, which is totally unrelated to this account. I want this false entry removed from XXXX XXXX permanently.

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