vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I received a collections letter from CCS ( CREDIT COLLECTIONS SERVICES ) trying to collect {$200.00} for a past due XXXX XXXX XXXX. 
I have contacted XXXX to try and figure out if I have ever had an account with them and they could find my name in there data base. From my knowledge, I have never had an XXXX account. It states that this is from XX/XX/year>2024 and this has yet to show up on any of my credit reports. This is there 3rd attempt with this letter and when contacting CCS, they refuse to give me any information until I give them my information. 
CCS : XXXX XXXX XXXX, XXXX, MA XXXX CALL CENTER : ( 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 2025-04-21 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma, LLC
State: IN

Complaint narrative:
XX/XX/XXXX I created an order with XXXX a splurged a bit because of my birthday the following week. I picked next or two day shipping I was home the entire time and did not receive my order. When I contacted support they said sometimes the delivery driver goes to wrong house, both houses to me are vacant, I checked no packages unless he handed it to someone directly which I think he did because they had to sign for it and used my last name instead my full name. I explained this all to them and they basically said tuff luck get a police report and we will see what we can do. So I called and got one and got a number. I got on a chat with them and they said they couldnt prove that its real so its invalid. So I was like Im going to go where my money was and fight it. Which is credit karma debit. I put in a dispute explained all this and gave them the police report case number/address/ phone number. It took them a whole month to side with XXXX because I made another separate transaction of XXXX dollars that came the next day XX/XX/XXXX that I actually received and they stated since I received items there was no issues. Now credit karma wont let me open up a dispute anymore. When I chatted with them they said would then kept getting incorrect and inconsistent with the messages like opening up a credit dispute and transferring me after I corrected them. I just want my money back I did the police report like I was supposed to items still havent been found my money is still gone and credit karma has been no help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
The latest date that I tried sending money via Western Union was XX/XX/year>. There were no problems when I went to an in-store branch. 
I have provided all of the identifying documents that Western Union asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: ID

Complaint narrative:
I received a collection letter XX/XX/XXXX. I responded asking for specific information to verify the debt. I sent them a verification request on XX/XX/XXXX. The company failed to validate the debt. I sent them another letter on XX/XX/XXXX advising that they failed to validate the debt, specifically what they failed to provide, and requested removal from my credit report. The company failed to respond in detail to my correspondence. On XX/XX/XXXX I sent another letter requesting cessation of collection activity and removal from my credit report due to them being unable to validate the debt. I have received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
This complaint is submitted against Experian ( File # XXXX ), TransUnion ( File # XXXX ), and Equifax ( File # XXXX ) for continued violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data reporting standards. 
Despite multiple previous disputes, all three agencies have failed to remove or properly verify fraudulent accounts from my credit reports. Some of these accounts are confirmed identity theft cases and are included in my formal FTC Identity Theft Reports ( Report Numbers : XXXX and XXXX ), which are attached with this submission. 
These credit reporting agencies have not complied with FCRA 605B, 609, and 611. They have failed to provide : - Contracts or signed agreements for any disputed accounts - Source information from furnishers - Proof of permissible purpose for account reporting - Proper reinvestigation per FCRA guidelines- Required dispute code ( XB ) during investigations Furthermore, the credit reporting agencies have violated 605B by continuing to report identity theft-related accounts that were confirmed via FTC documentation. I have now included my most recent Metro 2-based dispute letters, my FTC Identity Theft Reports, and all other identifying information required for this complaint. 
Additionally, every single one of the disputed accounts contains serious inconsistencies across reporting fields that prove they could not have been properly investigated. Common issues include but are not limited to : - Charge-off accounts still reporting a past due balance - Account balances exceeding credit limits without explanation - Re-aging of charge-offs with new update dates despite closure - Closed accounts showing new payment activity or balance changes- Conflicting statuses ( e.g., closed but reporting open ) - Accounts marked as in dispute but never flagged with XB code - Missing or outdated last payment and date of last activity fields- Accounts listed differently across all three bureaus with conflicting outcomes These inconsistencies are clear evidence that no proper verification or reinvestigation has occurred. The FCRA requires consumer reporting agencies to ensure maximum possible accuracy and to conduct a good faith reinvestigation. These agencies have repeatedly failed to meet those obligations. 
I am requesting that the CFPB compel Experian, TransUnion, and Equifax to permanently delete all accounts listed in my most recent disputes. If the agencies can not validate these accounts with proper evidence, the accounts must be removed in accordance with federal law. 

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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Sunbit, Inc.
State: TN

Complaint narrative:
I have been making monthly payments to sunbit every month to pay off the balance on a closed account I made a payment on XX/XX/year> sunbit has reported to my credit bureau that I am 30 days past due. I have been paying XXXX dollars per month and made a payment on the XXXX of XXXX, sunbit is reporting to XXXX  I'm 30 day 's past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
Theres a credit inquiry on my report that I didnt authorize or recognize. I never applied for anything with this company, and Im certain I didnt give anyone permission to check my credit. This inquiry is fraudulent and absolutely not something I did.

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 2025-04-21 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: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Subject : Cease and Desist Demand for Violations of 15 USC 1666b Dear SYNCB/ BELK DUAL CARD, I am writing to formally demand that you cease and desist from [ specific action or behavior ] that constitutes a clear violation of 15 USC 1666b. This statute prohibits [ A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedure designed to ensure that each periodic statement, including the information required by sections 1637B of this title is mailed or delivered to the consumer not later. Than 21 days before the payment due date. ] " the imposition of late fees or charges on credit accounts which are not properly disclosed or communicated beforehand '' ].

It has come to my attention that you have put a late payments remark on my credit report., " charged my account a late fee without prior notice or the proper disclosure required under the law. This action not only violates my rights as a consumer but also contravenes federal regulations designed to protect individuals from deceptive practices. ".

Your continued disregard for these regulations is unacceptable and has resulted in Hindering me from purchasing a home and acquiring funding from from financial institutions. " financial harm, damage to my credit score, and significant emotional distress ''.

I demand that you take immediate action to rectify this situation by Deleting this account from my report on all credit reporting agencies or update the late payment to not late current. " reversing the unauthorized charges, providing a written confirmation of compliance, and ensuring that no further unauthorized actions are taken against my account ''.

Please be advised that if you do not comply with this demand by XX/XX/year> ], I will not hesitate to pursue all available legal remedies to protect my rights, including filing a complaint with the appropriate regulatory agencies and seeking legal representation. 

Govern yourself accordingly. 

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 2025-04-21 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: MN

Complaint narrative:
I don't recognize inquiry XXXX XXXX, nor am I doing business with this company. They are not reporting to my credit file.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I got a credit card through XXXX XXXX XXXX XXXX XXXX XXXX. The limit granted was XXXX. I paid my monthly credit card bill on time except for once I was a day late. XXXX the proceeded to harass me and threaten to block me from using the card, by sending multiple texts and emails and phone calls. I did not use the card much, just wanted to pay the dept off. I did however try to use the card recently and it was declined even though I had almost XXXX on it available. When I called they said I had a negative payment history with them that wasn't true. When I asked for them to explain their reasoning they said it was because I paid more than the monthly payment. I was appalled that they would penalize me for paying off my dept, so I decided to just pay off the account and be over with it. So I paid XXXX dollars ( the remaining balance ) on XXXX XXXX, and asked that a letter showing my card was officially closed. Well it has been almost XXXX weeks now and they closed the account on experiean ( my credit dashboard ) and they are saying I owe them XXXX and that I am delinquent and have not paid the remaining dept, and has caused my credit score to drop. They also sent me another bill ( it does say I owe XXXX dollars however they charge and annual fee of XXXX. They have not been pleasant to work with and now they are punishing me for paying off the card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Title max kept extension of title loan got behind. They said they would not repossess my vehicle I would have to bring it in. They assured me they world work with me. They did not they came across state lines to louisiana and repossessed my vehicle works only accept {$2200.00} to reclaim and sold it in auction for {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
I am filing this statement to document a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by TransUnion Experian And Equifax. Under the FCRA, my personal credit information should not be bought, sold, or shared without my express consent for permissible purposes. However, I have discovered that TransUnion Experian And Equifax has engaged in unauthorized transactions involving my personal data.

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 2025-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: NC

Complaint narrative:
cash app duplicated a charge on my account and is refusing to fix it. the merchant only charged me once for {$100.00}, but cash app processed it twiceonce as a completed charge and again as a pending charge. 

because of this, my account was pushed into the negatives, which locked me out of my checking and savings balance. the merchant confirmed they only submitted one charge and have no control over the second transaction, meaning cash app created the duplicate charge on their own.

i contacted cash app support multiple times, but they keep telling me to wait for the pending charge to drop off. they are ignoring the fact that this was their processing error, and im now unable to access my own money due to their mistake.

i need this hold removed immediately, and i want the duplicate charge reversed. i also need confirmation that my account wont be charged again due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief