vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since 2000 I have the same credit score and same liens and judgements on my credit wrong addresses on there I have never reside in phone numbers I have never had

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 2025-01-21 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-01-21 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: NC

Complaint narrative:
Please check the information concerning the Equifax data breach below in attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 for this violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I initiated my first request on XX/XX/XXXX via fax per company suggestion. I included my letter of office as provided by probate court as well as my fathers death certfiicate I got no response. I followed up again on XX/XX/XXXX via fax ( both times I retained fax transmission receipts ). I followed up via phone several days later and was not given any reason why my first inquiry had no response, but I was assured that it would be processed within 30 days by XXXX ( operator XXXX ). I followed up again a few weeks later via phone and was told by XXXX XXXX operator XXXX ) again that it was still being processed and would be mailed out within 30 days. Approximately XX/XX/XXXX I called again and spoke to XXXX XXXX operator XXXX ) that it was completed and would be mailed out before the 30 days, My next call was around XX/XX/XXXX when I spoke to XXXX ( operator XXXX ) who told me that my request was still being processed! I asked to speak with a supervisor to complain and I spoke with XXXX ( operator XXXX ) who took my complaint, apologized and claimed to expedite the request. I called again XX/XX/XXXX and XX/XX/XXXX and spoke again with XXXX XXXX XXXX ) who told me my request was still being processed. I have provided proper legal paperwork as the executor of the estate, I have not received what I requested and I have no reasoning of why. This lack of follow up is slowing down other legal matters, and I would like action as well as filing a formal complaint!

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 2025-01-21 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: VA

Complaint narrative:
Experian report states a {$2600.00} charge off was paid written off, but the creditor says the debt is not written off and still owed - see Experian credit report XX/XX/2025. According to the Experian dispute report, XXXX said the creditor verified the charge off was paid and written off. Hence, the reason for filing an identity theft report.

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 2025-01-21 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: IN

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., creditors and furnishers of information have a legal obligation to ensure the accuracy of the information they report to consumer reporting agencies. As part of my legal settlement with XXXX, they were obligated to remove all derogatory entries related to this matter from my credit report. However, despite this agreement, XXXX has failed to fulfill their duty, and these inaccurate and misleading entries remain on my credit report. 

This failure constitutes a violation of the FCRA, specifically Section 1681s-2 ( a ), which requires furnishers to provide accurate information, and potentially Section 1681s-2 ( b ), which outlines their duty to investigate and correct disputed information upon notification.

Their noncompliance has not only breached the terms of our agreement but has also caused ongoing damage to my credit standing, in violation of my rights under federal law.

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 2025-01-21 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: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
The collection account reported on my credit report from Consumer Adjustment in the amount of {$1600.00} is not my account, and I have no knowledge of it. My first time seeing this account was after it was reported on my credit report. I immediately reached out to this company, and I have not received any response. My rights as a consumer are being violated yet again. My information has been in data breaches, and I have no idea who has access to my personal information, and what they are using it for. Therefore, this account could very well be a result of my information being used to receive, Money, Products, or Services, whichever it is I have no clue as to what this company is or what they do. I am not being treated fairly because my credit is being negatively impacted by this false reporting, and I thought I was doing my diligence by reaching out to this company to let them know of their error, But, because they wish to bully me in paying for something I do not have, they proceed to hinder me from using my credit to obtain future goods, money or services with any other companies, by lowering my credit scores. Companies deny me for services because of the negative reporting of this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
This complaint addresses Barclays Banks systemic failure to investigate and resolve disputes tied to fraudulent charges on my AAdvantage Aviator Red World Elite Mastercard account. Despite multiple attempts to provide documentation, Barclays has failed to meet its obligations under federal law to validate these charges, resulting in financial harm and unresolved disputes. 

The following charges are in dispute : XXXX. XXXX Transactions : Multiple transactions. 
XXXX XXXX XXXX XXXX XXXX Transactions totaling {$4500.00} across multiple cases ( XXXX, XXXX, XXXX ). 
XXXX XXXX XXXX XXXX Transactions totaling {$4000.00}. 

Violations by Barclays Bank : Barclays actions constitute the following violations : 1. Failure to Conduct a Reasonable Investigation Barclays closed multiple dispute cases prematurely, citing lack of information, despite my efforts to submit documentation. 
Legal Basis : FCRA, 15 U.S.C. 1681i : Requires a reasonable reinvestigation of disputed information.

CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibits unfair, deceptive, or abusive acts in consumer finance. 
Case Law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) demonstrate CRA and creditor accountability in investigations.

2. Reinstatement of Fraudulent Charges Despite evidence of fraud, Barclays reinstated charges without providing sufficient justification, placing the burden of proof on the consumer.

Legal Basis : FCRA, 15 U.S.C. 1681s-2 ( b ) : Prohibits inaccurate or incomplete reporting. 
Regulation Z ( Truth in Lending Act, 12 C.F.R. 1026.13 ) : Mandates proper chargeback investigations. 

XXXX. Breach of Duty to Refund Fraudulent Transactions Barclays failed to issue refunds for fraudulent transactions, including charges related XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Legal Basis : EFTA, 15 U.S.C. 1693f : Protects consumers from unauthorized transactions. 
XXXX XXXX XXXX XXXX XXXXXXXX ) : Established standards for proper resolution of disputed charges. 

4. Negligence in Handling Sensitive Data Barclays has not addressed concerns regarding data breaches tied to XXXX XXXX XXXX  and other merchants. This negligence directly enabled fraudulent activity.

Legal Basis : 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Requires secure handling of consumer data.

Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 : Protects consumers from data misuse.

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 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I called XXXX XXXX  to see if account was paid in full and I was told that it was but I still have not received documentation that it was also account shows as charge off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I'm not sure what category would have described my situation properly. I was told my credit score was too bad to qualify for a loan through the XXXXXXXX XXXX  finance and banks. In XXXX, I had XXXX downpayment that helped me qualify for the loan according to them. At first they told me it was 17 % APR. After I was sent to the finance department, he told me it was 20 % APR. The only way it was going to drop to 17 % like they had mentioned at the front was if i added warranty to my vehicle 's loan. So i agreed to this but after seeing the lawsuit it seems I am owed some compensation as they made the numbers up. I'm still not sure what the actual APR was. But the total of the loan was around XXXX with a 17 % APR, but after a year I had joined the XXXX and learned about the SCRA program. I was able to drop my APR to 6 % but never got back pay for the amount I paid in interest at 17 %. I am submitting this compliant to see if I can get any type of compensation. 
The dealership is : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Thank you.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my frustration and concern regarding the repeated handling of my disputes with your agency. Despite my multiple attempts to have specific information on my credit report properly investigated, my cases are continuously being closed without providing sufficient proof or documentation to verify the validity of the debt in question. 

As required by the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough and reasonable investigation when a consumer disputes an item on their credit report. However, I have yet to receive any validation or proper documentation proving the debt in question belongs to me. Specifically, no contract, signed agreement, or other legally binding evidence has been provided that supports the claims reported on my credit file. 

Details of the disputed account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1000.00} I am requesting a proper investigation into this matter and full validation of the debt as required by law. If you can not provide the necessary documentation showing the debt is valid and legally belongs to me, I am demanding its immediate removal from my credit report. 

Please note that repeated failure to address my dispute properly is a violation of my consumer rights under the FCRA. If this matter is not handled appropriately, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

Enclosed are copies of any prior correspondence I have sent, as well as my previous dispute submissions for your reference. 

I expect a detailed response and confirmation of your findings within 30 days of receipt of this letter, as stipulated by law. Should you require additional information from me, please contact me at [ your phone number ] or via email at [ your email address ]. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Sir / Madam, I was informed by American Express credit card company that an American Express gold card was opened in my name and I believe 2 flights were purchased on the card ( Information was provided by American Express ). From what I have understood, there was a domestic flight and an international flight purchased. Currently the card has an outstanding amount of {$55000.00}. This card was opened on XX/XX/year> as per records on my credit report. 

I never opened this card, I did NOT authorized it and had no knowledge of this card being opened. As per the flight charges on the card, I have informed American Express that I did NOT fly on the said destinations. 
I have now disputed these charges 3 times but my dispute is rejected every time. 
After my last dispute, the American Express agent did say to file a police report which I have done. The Police report was filed on XX/XX/year>. The case number can be supplied upon request ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). It has been uploaded to this complaint as it is public information The wording in the police report is a bit incorrect as it states that American Express contact me on XX/XX/XXXX. That is not the case. That is the date that the account was opened. 
. 
I also checked my credit history and do not see any hard-pull of credit. I do see a soft pull, and how American Express could offer a card with that much limit without a hard pull is beyond me. Regardless that is the situation now. 

American Express keeps stating that I " Benefited '' from the card usage. I keep stating that I did not, as I NEVER opened this card, and NEVER applied for this card and never traveled with any purchases made on any American express cards. 

I am now hoping that CFPB can help me resolve this matter ASAP as I do not see American Express being able to resolve this in a timely manner. I need to apply for a loan and because of this issue, my credit score has gone down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I found a collections account on my credit. Many red flags were noted by the collections company yet, they want to charge me to dispute it. I believe the account is fraud and the are no records of late payments or past due notices.

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 2025-01-21 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: NC

Complaint narrative:
I AM FILING THIS COMPLAINT REGARDING AN INACCURATE ITEM ON MY CREDIT REPORT THAT CONTINUES TO NEGATIVELY IMPACT MY CREDIT. DESPITE MY EFFORTS TO RESOLVE THIS DIRECTLY WITH THE REPORTING AGENCY, IT REMAINS UNRESOLVED. I REQUEST IMMEDIATE INVESTGATION AND REMOVAL OF THIS ITEM, AS IT IS INCORREC AND DOES NOT REFLECT MY TRUE CREDIT HISTORY.

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 2025-01-21 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company is reporting fortunately an accurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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:
Dear Sir/Madam, I am writing to formally dispute the information reported in my credit file. After thoroughly reviewing my credit report, I have identified inaccuracies that I believe are a result of negligence and non-compliance with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o regarding civil liability for negligence. 

Disputed Information : XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX The items in question have been reported inaccurately, and despite my best efforts to resolve this matter through previous communication with your agency, the necessary corrections have not been made. Under Section 1681o of the FCRA, I am entitled to request a proper investigation and correction of inaccurate information. Moreover, I believe that your failure to fulfill your obligations under the FCRA constitutes negligence, which exposes your organization to civil liability for any damages resulting from the errors in my report. 

According to FCRA Section 1681o, any person who negligently fails to comply with any requirement of the Act can be held liable for actual damages, and I am requesting the following : Immediate investigation and correction of the disputed items. 
A written explanation of the actions you have taken to resolve this issue. 
Compensation for any damages incurred due to this negligent reporting, should the inaccuracies not be resolved in a timely manner. 
I expect that you will take the necessary steps to investigate this dispute and correct any errors in accordance with the FCRA. Please provide me with a written response to this matter within XXXX days from the date of this letter. 

If you fail to resolve this issue within the prescribed time or continue to report inaccurate information, I will have no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies under FCRA Section 1681o. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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