vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Demand for Payment Due to Inadequate Investigation of Consumer Report Complaints Dear Experian Customer Service, I am writing to formally demand payment of {$3500.00} for damages resulting from your failure to conduct a proper investigation of my consumer report complaints, as mandated under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I disputed inaccuracies on my consumer report related to XXXX XXXX. Despite my detailed complaints, your investigation was inadequate, and you verified this inaccurate information on XX/XX/XXXX, without providing the necessary documentation to confirm the accuracy of the disputed accounts. Additionally, your response to my complaint was well after the allowed window for investigation. 

Your failure to adhere to proper verification procedures has caused me significant distress and potential harm to my creditworthiness. I expected a thorough investigation, including documentation that substantiates your verification process, which did not occur. 

As a result of your negligence and non-compliance with the FCRA, I am seeking damages in the amount of {$3500.00}. This amount compensates for emotional distress, time spent addressing these issues, and any potential financial repercussions due to the inaccuracies on my consumer report. 

Please regard this letter as a formal demand for payment. I expect a response within 15 days from the date of this letter. If I do not receive a satisfactory response, I will consider pursuing further legal action to protect my rights. 

Thank you for your immediate attention to this matter. 

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability toobtaincredit. 

I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me Agency Name : XXXX XXXX XXXX Date open : XX/XX/year> Account : XXXX High Balance : {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
In early XXXX of XXXX, received the first notice from " Midland Credit Management '' of their debt collection actions due to the purchased [ XX/XX/XXXX ] debt in the amount of {$5400.00}, [ Ref # XXXX ] from original creditor ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX a notice for " Demand for Validation and Proof of Claim '' [ Cert. Mail # XXXX XXXX XXXX XXXX XXXX ] under notorial seal was sent to " MCM ''. No valid " Validation and Proof of Claim '' of the debt was ever received, but other correspondences requesting payment were received. On XX/XX/XXXX a " Conditional Acceptance Affidavit '' [ Reg. Mail # RF XXXX XXXX XXXX XXXX ] under notorial seal was sent to " MCM XXXX XXXX XXXX XXXXXXXX XXXX XXXX ]. Once again no response was forthcoming, only more correspondence dated XX/XX/XXXX informing me that they were the sole owners of the debt and will be collecting on and servicing the account. On XX/XX/XXXX another " ConditionXXXX XXXX XXXX XXXX XXXX XXXX XXXXail # XXXX XXXX XXXXXXXX XXXX XXXX ] under notorial seal was sent to " MCM XXXX XXXX XXXX XXXX, XXXX XXXX ] with a 30 day time limitation to respond. On XX/XX/XXXX a notice of " Cease and Desist '' [ Reg. Mail # XXXX XXXX XXXX XXXX XXXX ] collection activities invoking ( Maxims of Commercial Law ) was sent to " MCM XXXX XXXX XXXX XXXXXXXX XXXX XXXX ]. No response was ever received, but " Midland Credit Management willfully, negligently and in bad faith went ahead and reported this debt to credit reporting agencies clearly in violation of 15 U.S.C 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This final ruling states that XXXX, Equifax nor any Credit Reporting Agency may not allow Medical Bills or collection of, to be on my Credit Report. Please enforce that t. Please see CFPB 's Final Ruling Paragraph below ; Equifax remove the following Medical Collections from my Credit Report XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX Opened XXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) XX/XX/year> The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to you out of both frustration and urgency to bring attention to a matter that has caused me undue distress, confusion, and financial hardship. Despite my repeated attempts to resolve an issue directly with Experian, TransUnion, and Equifax, all three of the major credit reporting agencies have failed to remove inaccurate late payments from my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

This situation is not just about inaccuracies on a report ; it is about my financial future, my peace of mind, and the integrity of my personal information. These late payments that are being reported are incorrect. They do not reflect my actual payment history and have been wrongly attributed to my account. Despite presenting clear and indisputable evidencesuch as bank statements, payment confirmations, and correspondence with creditorsthese agencies have stubbornly failed to correct this information. Their negligence and indifference to their obligations under the law are infuriating. 

Under FCRA Section 1681i, I am entitled to a fair investigation into the accuracy of any disputed information on my credit report. Yet, time and time again, I have been subjected to unacceptable delays, inadequate responses, and a flawed dispute resolution process that neither acknowledges my legitimate concern nor corrects the false information. These late payments, inaccurately reported, have harmed my credit score, affected my ability to secure loans, and severely impacted my financial standing. 



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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to you out of both frustration and urgency to bring attention to a matter that has caused me undue distress, confusion, and financial hardship. Despite my repeated attempts to resolve an issue directly with Experian, TransUnion, and Equifax, all three of the major credit reporting agencies have failed to remove inaccurate late payments from my credit report, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

This situation is not just about inaccuracies on a report ; it is about my financial future, my peace of mind, and the integrity of my personal information. These late payments that are being reported are incorrect. They do not reflect my actual payment history and have been wrongly attributed to my account. Despite presenting clear and indisputable evidencesuch as bank statements, payment confirmations, and correspondence with creditorsthese agencies have stubbornly failed to correct this information. Their negligence and indifference to their obligations under the law are infuriating. 

Under FCRA Section 1681i, I am entitled to a fair investigation into the accuracy of any disputed information on my credit report. Yet, time and time again, I have been subjected to unacceptable delays, inadequate responses, and a flawed dispute resolution process that neither acknowledges my legitimate concern nor corrects the false information. These late payments, inaccurately reported, have harmed my credit score, affected my ability to secure loans, and severely impacted my financial standing. 



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 non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
they closed my account after years unnecessary over draft and late fees and now can not show me documents of my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability toobtaincredit. 

I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me Agency Name : XXXX XXXX XXXX Date open : XX/XX/year> Account : XXXX High Balance : {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
So, on my credit report, there is a XXXX XXXX XXXX  account that is showing that it is 60 days late, and this is false. The billing cycle for the credit card is as follows : the due date for the account is the XXXX of the month, and the closing statement date is the XXXX of the next month. For example, the last due date on this credit card was XX/XX/year>, and the closing statement date was XX/XX/year>. Now I made a payment on the account on the XXXX of XX/XX/year>, and I have attached a copy of my bank statement to prove this. On the XXXX of XX/XX/year>, I see on my credit report where XXXX is reporting that my account is 30 days late, and this was false, and then today, XX/XX/year>, when I am looking at my credit report, it has been updated, saying that I am 60 days late on this account. The next due date on this account is XX/XX/year>, and the closing statement date would be XX/XX/year>. So why are they reporting false information on my credit report? So how can they be reporting an account late an addition to 30 days when the due date and the closing statement date have not passed or arrived as yet? This is a clear violation of my rights under FCRA and ask that this account be deleted and or updated to paid as agreed and remove the late payment from my account. Kindly see files attached with official complaint against discover.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MO

Complaint narrative:
So, on my credit report, there is a XXXX XXXX XXXX account that is showing that it is 60 days late, and this is false. The billing cycle for the credit card is as follows : the due date for the account is the XXXX of the month, and the closing statement date is the XXXX of the next month. For example, the last due date on this credit card was XX/XX/year>, and the closing statement date was XX/XX/year>. Now I made a payment on the account on the XXXX of XX/XX/year>, and I have attached a copy of my bank statement to prove this. On the XXXX of XX/XX/year>, I see on my credit report where XXXX is reporting that my account is 30 days late, and this was false, and then today, XX/XX/year>, when I am looking at my credit report, it has been updated, saying that I am 60 days late on this account. The next due date on this account is XX/XX/year>, and the closing statement date would be XX/XX/year>. So why are they reporting false information on my credit report? So how can they be reporting an account late an addition to 30 days when the due date and the closing statement date have not passed or arrived as yet? This is a clear violation of my rights under FCRA and ask that this account be deleted and or updated to paid as agreed and remove the late payment from my account. Kindly see files attached with official complaint against discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
So, on my credit report, there is a XXXX XXXX XXXX account that is showing that it is 60 days late, and this is false. The billing cycle for the credit card is as follows : the due date for the account is the XXXX of the month, and the closing statement date is the XXXX of the next month. For example, the last due date on this credit card was XX/XX/year>, and the closing statement date was XX/XX/year>. Now I made a payment on the account on the XXXX of XX/XX/year>, and I have attached a copy of my bank statement to prove this. On the XXXX of XX/XX/year>, I see on my credit report where XXXX is reporting that my account is 30 days late, and this was false, and then today, XX/XX/year>, when I am looking at my credit report, it has been updated, saying that I am 60 days late on this account. The next due date on this account is XX/XX/year>, and the closing statement date would be XX/XX/year>. So why are they reporting false information on my credit report? So how can they be reporting an account late an addition to 30 days when the due date and the closing statement date have not passed or arrived as yet? This is a clear violation of my rights under FCRA and ask that this account be deleted and or updated to paid as agreed and remove the late payment from my account. Kindly see files attached with official complaint against discover.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
am writing to formally file a complaint against Cash App regarding unauthorized transactions that occurred on my account on XX/XX/XXXX and XXXX, totaling {$5000.00}. I have never sent money to the individuals involved and was shocked to discover these transactions. Ive also uploaded documents that Shows, my history of what I send out and who I sent out to. The multiple attempts to send money to my account are a clear red flag, indicating suspicious activity and eagerness to access my funds. 

Cash App claims that my claim was denied due to a PIN being used to authorize these transactions. However, I want to clarify that I did not have a PIN on my account prior to these unauthorized transactions. I only added a PIN after reporting the fraudulent activity, as instructed by a Cash App representative. Furthermore, I have verified that no PIN is currently active on my account, allowing me to send money without any prompt for authorization. 

Despite my efforts to explain this situation and provide relevant evidence, Cash App has denied my claim XXXX times, insisting that the transactions were legitimate based on the use of a PIN, which I contest. I have never sent such a large amount of money to anyone through Cash App before, nor have I ever reported fraud prior to this incident. 

As a single mother facing financial difficulties, this situation has caused me significant distress. I urge your office to investigate this matter thoroughly, as I believe Cash App has not taken adequate responsibility for the fraud that has occurred on my account. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This is not my account. I received calls repeatedly after I asked not to be contacted. I asked for validation and only received statements that does not validate the account. I asked for proof that said company is in charge of said account. 
XXXX has open date XX/XX/XXXX XXXX has open dates XX/XX/XXXX XXXX has last activity XX/XX/XXXX XXXX has XX/XX/XXXX XXXX have collection account the other has open account Payment status collection/ chargers the other late XXXX  days Not consistent can delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX. # XXXX XX/XX/XXXX -- {$10000.00} XXXX # XXXX XX/XX/XXXX -- {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 1. XXXX  - Date Opened XXXX - Amount Charged off : {$1000.00} XXXX. XXXX XXXX - Date Opened XXXX - Amount in XXXX : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX A complaint was made through the SECU call center about reporting of a car loan ( dates and amounts ). A complaint was also filed with the credit reporting agencies ; and this bureau. 
XX/XX/XXXX the debt was scheduled to be removed from the credit bureau platforms. 
Instead SECU was allowed to submit a fraudulent date to extend the life of the negative credit on my file. The same is true of a credit card that I paid off in XXXX. 
Accounts with SECU were scheduled to close after the removal of this negative information. I have not received documentation of accounts being closed either. I suspect that it is due to the fraudulent reporting that occurred in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
I have contacted Ability Recovery Services to validate the alleged debt as well as to stop reporting to the CRAs as well as completing a through investigation and provide me with any and all information used. Ability Recovery has failed to do so.

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