vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had a XXXX credit card. They would take my payments and not credit them for weeks. They said it was random, but it happened EVERY month. So i reversed the payments and stop paying the card. Their customer service located in a XXXX XXXX XXXX was useless and could not speak English or understand common problems. Now the unilaterally decided to charge off my {$600.00} debt, which has miraculously ballooned to {$900.00}. I will not pay them a dime. BUT, they have damaged my credit to the tune of over XXXX points. How can fraudulent credit cards with illegal practices and terrible customer service be allowed to crush your credit without even a letter or call detailing what they are doing. I demand arbitration or mediation to settle this matter. I have complained already and their weak letter closed my complaint with you. How do i appeal and take this further. Do I have to hire an attorney at a cost to settle a {$600.00} debt?? I think the current administration would find this all very interesting and Im meeting with them next week I will show them all my correspondence with CFPB to discuss resolution.

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Victim of identity theft. This account was created as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: OH

Complaint narrative:
I received a debit card for cash app account, XXXX XXXX I never applied for or setup. On XX/XX/XXXX I contacted Cash app customer service via their phone number to report the fraud and to close the account. On XX/XX/XXXX I spoke with XXXX and was given case number XXXX and told I would receive an email in XXXX hours from the investigation team. I never received an email following up. I called again on XX/XX/XXXX for an update and was told that they would email me with one. The person I spoke with on the phone said it can take up to 10 business days for the investigation team to get back to me. I asked for any information regarding the account and she said she was unable to give it to me because of privacy reasons. I asked for confirmation that the account was frozen, she refused to give confirmation citing privacy reasons. I requested to speak to a supervisor, she denied that request and said one could email me. I still have yet to receive an email from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-02 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: CA

Complaint narrative:
I am writing to formally file a complaint against [ Credit Bureau ] for failing to adhere to consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Despite my lawful disputes regarding inaccuracies on my credit report, [ Credit Bureau ] has failed to conduct a proper reinvestigation and continues to report incorrect information, in violation of my rights as a consumer.

The violations in question include but are not limited to : * Failure to remove inaccurate or fraudulent accounts despite lack of verification.

* Failure to conduct a reasonable reinvestigation as required under FCRA 1681i.

* Continued reporting of unauthorized credit inquiries without permissible purpose under FCRA 1681b. 
* Failure to provide adequate documentation proving the validity of disputed information. 
I have made multiple attempts to resolve these issues directly with [ Credit Bureau ] by disputing the inaccurate information, but they have not complied with their legal obligations. These violations have caused undue financial hardship, including potential impacts on my credit score and access to financial opportunities.

In accordance with FCRA 1681s ( a ), I am formally requesting the Consumer Financial Protection Bureau to investigate [ Credit Bureau ] actions and take appropriate enforcement measures. I have attached copies of my dispute letters, [ Credit Bureau ] responses ( if any ), and any supporting documentation proving their non-compliance. 
I kindly request that the CFPB intervene and ensure that [ Credit Bureau ] adheres to federal laws protecting consumer rights. Please confirm receipt of this complaint and inform me of any actions taken regarding this matter. 
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 2025-04-02 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: TX

Complaint narrative:
I have requested more information on the information thats reported on my credit reports. Its been over a few years Ive asked to provide proof of ownership and these companies have not complied.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Without violating the terms and conditions XXXX  froze and then closed down my account with {$5100.00} of money in my XXXX  ballence. 

I have tried to take the money from my balance into my bank account but it says I must wait 180 days. 

I can not wait 180 days to access this money. 

If I must wait the 180 days I need to be sure that I will get this money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

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

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: MN

Complaint narrative:
Subject : Complaint Against Experian for Inaccurate Debt Reporting Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian for reporting an alleged debt from XXXXXXXX XXXX XXXX a third-party creditor, without proper validation. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, Experian is required to ensure the accuracy of information reported. XXXX XXXX XXXX has failed to provide verification of the debt, including a copy of the original contract bearing my signature, as required under 15 U.S. Code 1692g. 

Despite my disputes, Experian continues to report this unverified debt, violating my consumer rights. Furthermore, given the recent lawsuit against Experian for similar violations, I request an immediate investigation and removal of this inaccurate information. 

Please take action to enforce compliance and correct my credit report. 

Sincerely, 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 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I received a notice from I.C. System, Inc regarding a collection for a XXXX XXXX account in the amount of {$360.00}. I believe this collection is invalid and may have been obtained improperly. On XX/XX/year>, I sent I.C. System a formal cease and desist letter pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692.

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 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I received an email from XXXX claiming to be from the National Recovery Agency ( NRA ) regarding an alleged outstanding medical debt. The email stated that I owed {$1500.00} to XXXX XXXX XXXX, with XXXX XXXX XXXX XXXX XXXX listed as the original creditor. 

The email provided an NRA ID, a supposed account number, and a payment portal link. It also contained a statement about my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, I do not recognize this debt, nor have I received any prior communication about it.

Actions Taken : Verification Attempts : I checked my records and found no outstanding debt with the mentioned creditors. 

Fraud Reporting : I attempted to report this to the Federal Trade Commission ( FTC ), but they directed me to the Consumer Financial Protection Bureau ( CFPB ) instead. 

Security Concerns : I did not click any links or respond to the email, as it has characteristics of a phishing scam. 

Given the suspicious nature of this email, I am filing this complaint to verify whether this debt is legitimate or if this is a fraudulent attempt to collect money.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
The company took me to court. They had the burden to prove that I owed them the debt they had three court dates to do it and could not eye on the other hand, proved to the judge that the debt was paid in full, so therefore it was dismissed. They are still trying to collect on the wrong information that their company has after The claim was dismissed in court and paperwork was submitted. I am going to seek legal action against this company for messing up my credit and knowingly, submitting paperwork claiming I still owe them after it was dismissed in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Experian Information Solutions , Inc . 
Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my Experian credit report despite previous attempts to correct it. My dispute is in line with the issues outlined in the Consumer Financial Protection Bureaus lawsuit against Experian, which highlights their failure to correct and properly investigate disputed credit report information. 

The following items on my credit report are incorrect : 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 Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation into disputed information and correct or remove any errors. However, similar to the CFPBs findings, my disputes have been disregarded, and inaccurate data continues to harm my creditworthiness. 

I have enclosed supporting documents, including [ mention any documents such as account statements, letters from creditors, identity verification documents, etc. ], which substantiate my claims. 

I request that Experian : 1. Conduct a thorough and reasonable investigation into the disputed items.

2. Provide a written response detailing the outcome of the investigation.

3. Correct or delete the inaccurate information from my credit report.

4. Provide an updated copy of my credit report once the corrections have been made. 

If Experian fails to comply, I am prepared to escalate this matter by filing a complaint with the CFPB and other relevant regulatory authorities. 

Please acknowledge receipt of this dispute and provide a resolution within the 30-day period as required by law. 

Sincerely, Full Name 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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
XXXX : Account was sent to collections in XX/XX/XXXX for amount owed of {$690.00}. Reviewed my credit report thoroughly and XXXX has account as closed date as XX/XX/XXXX which is incorrect information and is effecting my credit report. As stated the first 1-2 years can hurt your credit tremendously, which it has because XXXX ( 3rd part collection agency-Source Receivables Management ) is reporting the date of collections incorrectly. I have reached out to XXXX third party debt collector and they even told me the account has been closed and sent to collections in XX/XX/XXXX ; I have even aske for the date to be correct upon my credit report and the third party debt collector has refused to change to correct date.I have spoke to managers in regards to this incorrect open date sent to collections but yet no help has been made. I also noticed in the month XX/XX/XXXX the {$690.00} debt was taken off of my credit report but placed back on in XX/XX/XXXX. Now reporting on my credit as account opened XX/XX/XXXX. All of this information once again is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I checked out my credit profile and noticed there were some hard inquiries that are not mine.

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