vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I filled out a complaint against Cash App ( XXXX XXXX ) due to inadequate customer service unfair practices, which violates 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 Regulations E. Those actions has causes significant inconvenience and financial loss and i seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Re : Request for Debt Validation Account No : XXXX To Whom It May Concern : I am writing in response to your recent communication threatening legal action regarding the alleged debt referenced above. I dispute the validity of this debt and hereby request that you provide full and proper validation of the alleged obligation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

Specifically, I request the following : XXXX. The original creditors name, address, and account number. 
XXXX. The amount of the alleged debt, including a breakdown of interest, fees, and other charges. 
XXXX. A copy of the original signed contract or agreement that you claim created the obligation. 
XXXX. A complete chain of assignment of the alleged debt from the original creditor to your company. 
XXXX. A copy of the assignment agreement between your company and the alleged previous holder of the debt showing legal ownership, in accordance with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ), which held that mere possession or reference to a debt is insufficient without evidentiary support of proper assignment and legal standing to collect. 

Until you provide all of the requested documentation and full validation of the debt, I respectfully request that you cease all collection activities, including reporting this account to any credit reporting agencies. 

If you initiate any legal proceedings without providing proper validation as requested, I will assert my rights under federal and state law, including the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Sincerely, XXXX XXXX I received a pre legal notification regarding {$14000.00} due to Midland credit Management Original account advantage platinum My mcm account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} 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 2025-05-01 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: CA

Complaint narrative:
I lawfully disputed inaccurate personal information, outdated addresses, and unverifiable account data with Equifax. I submitted full legal identification ( government ID and SSN card ) as required by FCRA 609 ( a ) and requested verification or removal of disputed items under FCRA 611 ( a ). 

Despite my verified disputes, Equifax failed to conduct a lawful reinvestigation and continues to report conflicting, inaccurate, and unverifiable information, including false names ( " XXXX XXXX XXXX '' ) Correct Name XXXX XXXX XXXX, outdated addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX  ), and accounts such as XXXX ( repossession ) that show inconsistencies compared to reports dated XX/XX/year>, and XX/XX/year>. 

This constitutes willful violation of FCRA 607 ( b ) ( requirement for maximum possible accuracy ) and 611 ( a ) ( failure to properly reinvestigate ). 

I demand immediate full deletion of all inaccurate, unverifiable, and unlawful information from my Equifax credit file in accordance with federal law. 

" No weapon formed against me shall prosper. '' XXXX XXXX " Let justice roll on like a river, righteousness like a never-failing stream. '' XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I have stated to them on XX/XX/year> To not contact me and to send all notifications in writing and I have been receiving calls non stop and threatening messages via voicemail and constant phone calls everyday several times throughout the day. 

I am filing a formal complaint against Midland Credit Management, which has been contacting me excessively sometimes multiple times a day and calling during inappropriate hours, including early mornings and late at night. This has caused undue stress and disrupted my daily life. Under the Fair Debt Collection Practices Act, I request that all further communication be conducted in writing only and that the harassing phone calls cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am filing a FERPA complaint regarding unauthorized access to my educational and financial aid records, including IRS tax information. I believe the U.S. Department of Education and the Department of Government Efficiency ( DOGE ) accessed and possibly disclosed this data without my consent, violating FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) and Title IV of the Higher Education Act.

Data potentially accessed includes : - My academic and personally identifiable information ( PII ) - FAFSA details, including loan and aid history - IRS tax transcripts submitted via the income data retrieval process These actions may constitute serious breaches of federal privacy protections and raise concerns about misuse of my personal and financial data.

I respectfully request : 1. A full investigation into any access or disclosures of my records 2. A report of findings and responsible parties 3. Assurance of corrective actions to prevent recurrence 4. Guidance on any remedies available due to this breach, including potential student loan discharge Please respond in writing to the contact information provided. Thank you for your prompt attention to this matter. 
Supporting News Articles Musk Teams Access to Student Loan Systems Raises Alarm : XXXX XXXX XXXXXXXX Labor Unions Sue to Block DOGE Access to Sensitive Information : XXXX XXXX XXXXXXXX Judge Blocks Disclosure of Personal Records to XXXX : XXXX : XXXX Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
They won't let me pay. They keep cancelling my charge for 4 months now. I tried paying for my loan 5 different times, it goes to " payment reversal '' and the frustrating thing is they say they have done it on the day of payment. This is not true. I haven't seen any process take place as such. It's also super weird that they say it takes 2-3 days for it process. My bank account is successfully added, but I see no changes in my bank history. I have received no acknowledgment of the reversal at any point from edfinancial. And now with the new XXXX, will they declare me in default? I am being forced to default while i have the money to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
In XX/XX/XXXX, I was charged {$6400.00} by XXXX XXXX through my CareCredit account with Synchrony Bank for veneer services. The procedure was never completed properly, and the results were faulty and painful. After multiple complaints and months of back-and-forth, XXXX XXXX admitted fault and refunded me directly for the full {$6400.00} in XXXX. However, Synchrony Bank continued to charge interest, apply late fees, and report this balance as unpaid even after I informed them the charge had been refunded. 
I made payments during the dispute because I was trying to protect my credit, but I clearly communicated that I was only doing so under protest. Despite having confirmation that XXXX refunded me directly, Synchrony never stopped billing me and eventually closed and charged off the account, causing severe damage to my credit report. 
I also want it acknowledged that during this time, I was dealing with a natural disaster that left my home damaged and unlivable. I notified all parties of my financial hardship and housing crisis. Synchrony Bank did not offer any assistance or resolution despite this. I should not be penalized for a charge that was fully refunded and tied to a failed medical service, especially during a documented disaster-related financial crisis.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Re : Request for Debt Validation Account No : XXXX To Whom It May Concern : I am writing in response to your recent communication threatening legal action regarding the alleged debt referenced above. I dispute the validity of this debt and hereby request that you provide full and proper validation of the alleged obligation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

Specifically, I request the following : XXXX. The original creditors name, address, and account number. 
XXXX. The amount of the alleged debt, including a breakdown of interest, fees, and other charges. 
XXXX. A copy of the original signed contract or agreement that you claim created the obligation. 
XXXX. A complete chain of assignment of the alleged debt from the original creditor to your company. 
XXXX. A copy of the assignment agreement between your company and the alleged previous holder of the debt showing legal ownership, in accordance with XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX which held that mere possession or reference to a debt is insufficient without evidentiary support of proper assignment and legal standing to collect. 

Until you provide all of the requested documentation and full validation of the debt, I respectfully request that you cease all collection activities, including reporting this account to any credit reporting agencies. 

If you initiate any legal proceedings without providing proper validation as requested, I will assert my rights under federal and state law, including the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Sincerely, XXXX XXXX I received a pre legal notification regarding {$14000.00} due to XXXX XXXX XXXX Original account advantage platinum My mcm account number is 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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX account on my report shows a profit and loss write-off in the remarks section. This status implies the creditor has closed the account as a loss, yet it continues to report as an open derogatory charge-off with no updates, no collection transfer, and no resolution since 2021. There have been no payments, settlements, or itemized breakdowns. This violates FCRA 623 for furnishing incomplete and inaccurate data. I request deletion unless the data can be fully validated and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an {$750.00} AMEX gift card from my employer in XXXX and ever since have not been able to spend a dollar of that amount. Every transaction I've tried to complete ends up being denied. 

Called AMEX to check that the card is valid and has it's full balance. Their response was to blame the merchants but clearly this gift has multiple issues and is unusable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I went to charge my car when a man named XXXX XXXX approached me and pointed out a dent in my car. He said he worked for a company called XXXX XXXX XXXX and XXXX XXXX, and offered to repair the dent for {$550.00}. I negotiated the price down to {$500.00}, which he accepted. After doing the repair, he texted me an invoice for {$500.00}. I paid him {$300.00} in cash, and intended to send the remaining {$200.00} via XXXX along with a {$50.00} tip. 

However, while using the XXXX  app, I mistakenly sent him {$550.00} instead of {$250.00}. He left quickly afterward. When I realized the mistake at home, I called him twice and left a voicemailno response. I eventually got in touch with him and explained the overpayment. He claimed he couldn't see the payment on his end and said he would need to call XXXX to confirm it. I sent him a screenshot proving the transaction went through and offered to meet in person to retrieve the {$300.00}. He refused and said he had moved on to another job and the client wouldn't appreciate me being on their property. 

Later that evening, I texted him for an update. He then told me he contacted XXXX and was told it would take XXXX hours for the transaction to appear. I waited and followed up with him again on Monday XX/XX/year>, but he never responded. I have since filed a complaint with XXXX  and started an investigation. I believe this was a scam to overcharge or exploit my error and avoid refunding the overpayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
Subject : Dispute of Debt Collection and Inadequate Debt Validation from American Accounts Advisors for Intermediate School District XXXX Complaint Details : I am writing to file a formal complaint against American Accounts Advisors and the XXXX XXXX XXXX regarding a debt that was assigned to collections under questionable circumstances. Below are the key facts : XXXX. Inaccurate Hours and Unpaid Work : In XXXX I was employed by the XXXX XXXX XXXX as a part-time employee. I was initially provided with a set schedule, but at the end of the school year, the administration informed me that I was supposed to have worked additional hours that were not communicated to me. The district then attempted to have me work unpaid hours to make up the difference, which I refused to do, and I left the position as a result. 
XXXX. Debt Assigned to Collections : Despite my refusal to work without compensation, the school district assigned the debt to American Accounts Advisors for collections. The amount owed is {$2000.00}, which I believe is the responsibility of the administrator who improperly scheduled me. I worked under the contract and guidelines she provided me. 
XXXX. Failure to Provide Debt Validation : I have disputed this debt multiple times and requested debt validation from the collection agency. However, the only response I received was a copy of my teacher contract, which is insufficient to validate the debt or explain how it was calculated. The collection agency has failed to provide the necessary documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Inaccurate Credit Reporting : The debt is reported as unpaid on my credit report, despite the lack of proper validation and my attempts to resolve the issue with both the school district and the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
In XX/XX/XXXX, I was charged {$6400.00} by XXXX XXXX through my XXXX account with XXXX XXXX for XXXX XXXX. The procedure was never completed properly, and the results were faulty and painful. After multiple complaints and months of back-and-forth, XXXX XXXX admitted fault and refunded me directly for the full {$6400.00} in XXXX. However, XXXX XXXX  continued to charge interest, apply late fees, and report this balance as unpaid even after I informed them the charge had been refunded. 
I made payments during the dispute because I was trying to protect my credit, but I clearly communicated that I was only doing so under protest. Despite having confirmation that XXXX refunded me directly, XXXX never stopped billing me and eventually closed and charged off the account, causing severe damage to my credit report. 
I also want it acknowledged that during this time, I was dealing with a natural disaster that left my home damaged and unlivable. I notified all parties of my financial hardship and housing crisis. XXXX XXXX  did not offer any assistance or resolution despite this. I should not be penalized for a charge that was fully refunded and tied to a failed medical service, especially during a documented disaster-related financial crisis.

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