vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Urgent Request for Deletion of Inaccurate Credit Reporting Violation of FCRA Dear Experian Dispute Department, I am formally disputing multiple inaccuracies on my credit report dated XX/XX/XXXX. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed immediately. 
Accounts in Violation : XXXX XXXX XXXX XXXX XXXXXXXX Dispute resolved but still inaccurately Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) XXXX Authorized user but balance reported. 
Violation : 15 U.S.C. 1681c-2 XXXXXXXX XXXX Reported as late despite being marked as Violation : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX  Authorize Violation : 15 U.S.C. 1681c-2 CFPB Lawsuit Against Experian : The CFPB sued Experian in XXXX ( Case No. XXXX ) for misrepresenting credit scores and failing to correct inaccuracies. 15 U.S.C. 1681n provides for civil liability in cases of willful violations.

Requested Actions : 1. Immediately remove or correct all inaccurate accounts within 30 days per 15 U.S.C. 1681i ( a ).

2. Provide written confirmation of all corrections.

3. Ensure compliance with 15 U.S.C. 1681s-2 ( b ).

Failure to comply will result in legal escalation under 15 U.S.C.

1681n and 1681o for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
None of the options offered have to do with my compliant. My complaint is about a Chase Bank allowing salespeople to access my private financial information to contact to sell me their products. This has happened a number of times. Im sure they have a way to tag/look up accounts with high savings balances, as I do. Then they call and/or email to sell their products. Under no circumstances should they be looking at my accounts for such purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I've Disputed my personal information with Transunion and Equifax but nothing has been updated. I updated my address, along with my drivers license for verification purposes. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have XXXX address only there shouldn't be many addresses on my credit report I don't have any association with. according to the FCRA anything on credit reports should be accurately reporting. TransUnion And Equifax aren't accurately reporting. I would like for my address to be updated Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX, XX/XX/year>, XXXX  ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
1- It's frustrating to see my credit score dip by XXXX points just because I raised a concern with the CFPB. Despite having a strong credit history, the impact of that complaint was unexpected. 
2- The inaccurate information about the length of my credit history only adds to the confusion. It's a reminder of how delicate the balance of credit scoring can be, where even a seemingly small action can have significant consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: RI

Complaint narrative:
I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX  Loan account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and noticed that my score has dropped due to late payments being reported on accounts that have been paid in full and were previously marked as charged off. This reporting is incorrect and is negatively affecting my creditworthiness. 

Creditor Name : XXXX XXXX Account Number : [ Last four digits of the account ] XXXX Reported Issue : Late payments incorrectly recorded after charge-off Last payment : XX/XX/XXXX - One missed payment being reported Creditor Name : XXXX XXXX XXXX  XXXX Account Number : [ Last four digits of the account ] XXXX Reported Issue : Late payments incorrectly recorded after charge-off Last payment : XX/XX/XXXX -Five missed payments being reported Creditor Name : XXXX XXXX : On TRANSUNION, it is displayed as XXXX Account Number : [ Last four digits of the account ] unknown Reported Issue : Late payments incorrectly recorded after charge-off Last payment : XX/XX/XXXX XXXXTwo missed payments being reported According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure the information they report is accurate and complete. Since these accounts were already charged and paid in full, any late payments reported after the charge-off date should not be considered valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
This is not my account. They refuse to validate or remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
I reported these several purchases and withdrawls to Money Network on XX/XX/year> XX/XX/year>XXXX XXXX/bill purchase {$9.00} XX/XX/year> XXXX  purchase {$100.00} XX/XX/year> XXXX purchase {$100.00} XX/XX/year> XXXX  purchase {$63.00} XX/XX/year> XXXX  purchase {$63.00} XX/XX/year> XXXX  purchase {$63.00} XX/XX/year> ATM Balance fee {$3.00} XX/XX/year> XXXX XXXX {$20.00} XX/XX/year> XXXX withdrawl {$40.00} XX/XX/year> XXXX withdrawl {$100.00} XX/XX/year> XXXX withdrawl {$40.00} Money Network recieved a dispute on XX/XX/year> wich they denied on that same day and said that it was denied because my PIN was used for this, i have the card in my posession and i did not use it for those trasactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. .Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. $ 1692g. I request that you provide the following information and documentation in order to validate this debt : The amount of the debt : Please provide a detailed breakdown of the amount claimed tO be owed, including any fees or interest added to the original debt. 
The name of the creditor : Please confirm the name of the original creditor to whom the debt is owed.

Proof of the original agreement : Please provide a copy of the original signed 3.

contract or agreement that created the debt, including the terms and conditions under which the debt was incurred.

A detailed history of the debt : Please provide a complete record of payments made and any charges or interest added to the debt since its origination.

5. Verification of your authority to collect this debt : Please provide documentation of confirmning that you are authorized to collect this debts on behalf the original creditor or that you have purchased the debt.

6.

A copy of any judgment ( if applicable ) : If this debt was obtained through a legal judgment, please provide a copy of the court judgment. 


Please be advised that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this request. If you are unable to provide the necessary documentation, I request that you cease all collection efforts and remove any related negative marks from my credit report. 


This letter is not an acknowledgment of the debt, nor is it an admission of liability. I expect that all collection efforts will be suspended until the requested validation is provided. 


Thank you for your prompt attention to 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. $ 1692g. I request that you provide the following information and documentation in order to validate this debt : The amount of the debt : Please provide a detailed breakdown of the amount claimed tO be owed, including any fees or interest added to the original debt. 
The name of the creditor : Please confirm the name of the original creditor to whom the debt is owed.

Proof of the original agreement : Please provide a copy of the original signed 3.

contract or agreement that created the debt, including the terms and conditions under which the debt was incurred. 
A detailed history of the debt : Please provide a complete record of payments made and any charges or interest added to the debt since its origination.

5. Verification of your authority to collect this debt : Please provide documentation of confirmning that you are authorized to collect this debts on behalf the original creditor or that you have purchased the debt.

6.

A copy of any judgment ( if applicable ) : If this debt was obtained through a legal judgment, please provide a copy of the court judgment. 


Please be advised that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this request. If you are unable to provide the necessary documentation, I request that you cease all collection efforts and remove any related negative marks from my credit report. 


This letter is not an acknowledgment of the debt, nor is it an admission of liability. I expect that all collection efforts will be suspended until the requested validation is provided. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. $ 1692g. I request that you provide the following information and documentation in order to validate this debt : The amount of the debt : Please provide a detailed breakdown of the amount claimed tO be owed, including any fees or interest added to the original debt. 
The name of the creditor : Please confirm the name of the original creditor to whom the debt is owed.

Proof of the original agreement : Please provide a copy of the original signed 3.

contract or agreement that created the debt, including the terms and conditions under which the debt was incurred. 
A detailed history of the debt : Please provide a complete record of payments made and any charges or interest added to the debt since its origination.

5. Verification of your authority to collect this debt : Please provide documentation of confirmning that you are authorized to collect this debts on behalf the original creditor or that you have purchased the debt.

6.

A copy of any judgment ( if applicable ) : If this debt was obtained through a legal judgment, please provide a copy of the court judgment. 


Please be advised that under the FDCPA, you are required to provide the requested validation within 30 days of receiving this request. If you are unable to provide the necessary documentation, I request that you cease all collection efforts and remove any related negative marks from my credit report. 


This letter is not an acknowledgment of the debt, nor is it an admission of liability. I expect that all collection efforts will be suspended until the requested validation is provided. 


Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I got a Pottery Barn card in the year XXXX. Supposedly, this was a different credit card than the one currently offered. I was unable to use this card recently in XXXX of XXXX, in which I contacted Capital One. Capital one referred me to Pottery Barn and stated that they switched to the new XXXX XXXX card and I was supposed to have gotten one. I never got this card. They told me to call Capital One back, who said they have not heard of this or could find it in their records. They sent me a new card, which I still can not use. 

My card is now two payments behind because I can not figure this situation out and am getting the same answer and responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
I am disputing the inaccurate reporting of my XXXX XXXX  ( XXXX  ) credit account on my Experian credit report. The account, which was closed on XX/XX/year>, reflects a charge-off and past due balance of {$120.00}. However, there are several inconsistencies and potential violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) that warrant immediate investigation and correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TX

Complaint narrative:
I have not supplied proof underXX/XX/XXXXXXXX. 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 explanation
Consumer complaint received 2025-03-17 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:
I have not supplied proof underXX/XX/XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation