vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: NM

Complaint narrative:
What happened : I enrolled in a debt relief program with Beyond Finance beginning in late XXXX. Over the course of my enrollment, I paid approximately {$10000.00} through XXXX transfers from XXXX banks : XXXX XXXX XXXX XXXX ( now XXXX ) and XXXX. I was led to believe that Beyond Finance would negotiate and settle my debts with multiple creditors as part of their service agreement. 

To date, only XXXX creditors ( XXXX XXXX and XXXX XXXX  ) have shown any evidence of resolution, with formal settlement letters provided. However, Beyond Finance has failed to resolve or even initiate negotiation with the remaining creditors. More critically, they have failed to provide documentation showing their efforts, communications, or progress. I made a formal written request for documentation on XX/XX/XXXX, with a seven-day deadline. No response was given. 

This lack of communication and failure to perform the core services of debt relief constitutes a breach of contract and may amount to deceptive business practices. I have given Beyond Finance multiple chances to respond, and even after an initial reply promising documents, they failed to deliver anything further. They have ignored my second and final request entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
What happened? 
I submitted a written dispute to Experian on XX/XX/2025, requesting the removal of multiple closed accounts with {$0.00} balances that are no longer relevant for determining my creditworthiness. 

These accounts are : XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX In my letter, I explained that : These accounts are closed, have no outstanding balances, and are not delinquent. 

Their continued presence may hurt my credit profile, despite not reflecting any current debt or risk.

I requested that Experian remove these accounts under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b ( note : the citation in the original letter is 1681b, not 1692b ), which states that information should only be reported when there's a legitimate need.

I also provided my government-issued ID and proof of address with my letter.

The problem : Experian has not responded or taken action within the 30-day window as required by the FCRA. I believe they : Failed to investigate my dispute properly.

Failed to respond on time.

Continued to report unnecessary or outdated account information.

This is a violation of my rights under the FCRA. Im requesting CFPB assistance to ensure Experian complies with federal law and removes these accounts or provides proper verification and reasoning for continuing to report them.

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 2025-07-19 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: PA

Complaint narrative:
In XX/XX/XXXX, I disputed a student loan account reported by TransUnion as XXXX XXXX XXXX XXXX  with a XXXX delinquency from XX/XX/XXXX through XX/XX/XXXX. I explained that this account was continuously delinquent from XX/XX/XXXX until it was brought current in XX/XX/XXXX and paid in full in XX/XX/XXXX. 

Under FCRA 605 ( a ), negative information must be removed XXXX XXXX from the date of first delinquency ( DOFD ) that led to default and was not subsequently cured. Since the account remained in default for over XXXX XXXX, the DOFD is XX/XX/XXXX, and all derogatory marks should have been removed by XX/XX/XXXX. 

TransUnion responded on XX/XX/XXXX, stating the item was " verified as accurate '' without addressing the DOFD or explaining their reporting timeline. They continue to report XXXX delinquencies through XXXX, which are now being removed month-by-month until XXXX, in violation of the FCRA. 

I requested the DOFD used and a correction to reflect proper FCRA compliance, but I received no explanation. Their investigation did not correct the reporting or justify the extended derogatory 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 non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
I am the victim of identity theft and have discovered multiple fraudulent collection accounts and inquiries on my credit report that I did not open, authorize, or have any knowledge of. These accounts were established without my consent, and I have never had any dealings with the companies reporting them. I have filed an Identity Theft Report with the FTC and provided documentation, including my government-issued ID and proof of address. 

Under the Fair Credit Reporting Act, specifically Section XXXXB ( 15 U.S.C. XXXX ), I am exercising my legal right to have these fraudulent accounts permanently blocked from my credit file within XXXX ( XXXX ) business days of receipt of this complaint. These entries are false, damaging, and are not the result of any contractual relationship or responsibility on my part.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I contacted Experian on several occasions to remove all outdated information on my credit report and inaccurate information on my credit report such as names and addresses. I submitted multiple request and have been unsuccessful in getting this completed. I've uploaded copies of my driver 's license showing my address and correct spelling of my name. However, they continue to report inaccurate information.

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 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
i requested proof of ownership of the right to collect this debt on a debt where I have never done business with also proof that this debt belong to me I have never done business with National Credit Systems, They only sent me the bill. This is reporting on all XXXX of my credit bureau reports without them showing proof of ownership and the legal right to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
I am submitting this complaint regarding an inaccurate and unfair debt collection account that has been reported on my credit report by a company called Caine & Weiner Company Inc, on behalf of XXXX XXXX. This collection account has negatively impacted my credit score and I am seeking its immediate removal. 

Here is what happened : In the month that XXXX  claims I owed them for coverage, I had already switched to XXXX XXXX. When I initiated coverage with XXXX, I was told that XXXX would notify XXXX to cancel my old policy. I also followed up with XXXX customer service directly to confirm cancellation. 

Despite this, I later received a bill from XXXX  for approximately {$200.00}, claiming I still owed them for coverage during a time I was already insured by XXXX. I immediately called XXXX customer service to dispute the charge and explain that I had valid insurance with XXXX for that time period. I was advised by the XXXX representative to email their customer service with my XXXX proof of insurance, which I did promptly. 

In that email, I attached my XXXX policy documents showing active coverage during the disputed month and explained the situation in full. Shortly after, I received an email response from XXXX stating that they would handle the matter and remove the balance from my account. 

I assumed the issue was resolved until I recently discovered that Caine & Weiner Company Inc. had placed a collection account on my credit report, reporting it as unpaid. This was extremely distressing, as I had already completed all the steps XXXX requested, and they had acknowledged receipt of my XXXX documents and stated they would resolve the account. This collection account has significantly lowered my credit score through no fault of my own. 

I am formally requesting that the collection account be immediately deleted from all credit reporting agencies and that any claim of an unpaid balance be fully retracted, as this balance was based on an invalid charge and a breakdown in communication between XXXX and their third-party collector, not my actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IL

Complaint narrative:
I made a purchase thru my cash app account but tried to block the transaction prior to them sending it. I found out it wasn't the merchant 's website but actually a scam .. cash app went ahead and sent the money to them with no way to retrieve it. I have screenshots of everything and submitted them to cash app and they disregarded them .. their policy states I can get a refund thru them if I've never received my merchandise .. and now they won't talk to me and actually removed the transaction from my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 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 explanation
Consumer complaint received 2025-07-19 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:
The accounts and inquiries listed in my identity theft report were open fraudulently without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
The accounts and inquiries listed in my identity theft report were open fraudulently without my consent.

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 2025-07-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Credit Report on XX/XX/2025 : XXXX. XXXX XXXX : {$25000.00} This card information is being pulled into my credit report. I do not have any business whatsoever with XXXX XXXX in the past or present. This report is affecting my credit score and hence my business with the creditors. I request this information be removed and disputed asap. 

XXXX AMEXXXXX : {$83.00} This card information is being pulled into my credit report. I do not have any business whatsoever with AMEX bank in the past or present. This report is affecting my credit score and hence my business with the creditors. I request this information be removed and disputed asap.

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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
I contacted Cash App support regarding an urgent issue involving my account and access to funds. 
They escalated Case # XXXX and logged Complaint # XXXX, but I have not received any updates or resolution. 

I was told not to reply in the app chat and that Id receive updates via email nothing has come. This has caused stress and potential financial disruption. 

I am seeking immediate assistance in reviewing these cases and receiving a formal resolution or refund if applicable. 

I have documentation from Cash App support acknowledging both cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the XXXX major credit reporting agencies : Experian, TransUnion, and Equifax. 

XXXX XXXX XXXX is reporting a delinquent account allegedly opened on XX/XX/year>. This information is completely false and appears to be illegally reported, as I did not open any such account. I have disputed this inaccurate information with all three credit bureaus, yet each has failed to remove the erroneous item from my credit report. 

This inaccurate reporting has caused significant harm to my credit standing and has directly prevented me from securing a loan critical to my financial well-being. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported on a consumers credit file must be accurate, verifiable, and complete. 

I am requesting the CFPB to investigate XXXX XXXX XXXX for reporting false information and to review the practices of Experian, TransUnion, and Equifax for their failure to correct or remove this demonstrably inaccurate account after a formal dispute.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX XXXX  GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Do Not Reinsert Deleted Collection Account XXXX XXXX XXXX To Whom It May Concern, I am formally requesting that the following collection account not be reinserted into my credit report unless it is fully verified in accordance with the Fair Credit Reporting Act ( FCRA ) : Creditor Name : XXXX XXXX XXXX Amount : {$600.00} Date Opened : XX/XX/XXXX Reported to : Equifax, Experian, and TransUnion Under FCRA Section 611 ( a ) ( 5 ) ( B ), if any disputed account is removed from a credit file, it must not be reinserted without proper certification of its accuracy and completeness from the original creditor or data furnisher. If you intend to reinsert this item, you are legally required to send me written notification within five business days with the following : The name of the party who verified the account The method and documentation used to verify the account The date the verification was completed Please permanently suppress or delete this account unless all FCRA requirements are met. 

Thank you for your compliance. 

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX XXXX  GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Do Not Reinsert Deleted Collection Account XXXX XXXX XXXX To Whom It May Concern, I am formally requesting that the following collection account not be reinserted into my credit report unless it is fully verified in accordance with the Fair Credit Reporting Act ( FCRA ) : Creditor Name : XXXX XXXX XXXX Amount : {$600.00} Date Opened : XX/XX/XXXX Reported to : Equifax, Experian, and TransUnion Under FCRA Section 611 ( a ) ( 5 ) ( B ), if any disputed account is removed from a credit file, it must not be reinserted without proper certification of its accuracy and completeness from the original creditor or data furnisher. If you intend to reinsert this item, you are legally required to send me written notification within five business days with the following : The name of the party who verified the account The method and documentation used to verify the account The date the verification was completed Please permanently suppress or delete this account unless all FCRA requirements are met. 

Thank you for your compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery has been calling me for over XXXX XXXX  on what I assume is debt that is passed the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Account NATIONAL CREDIT SYSTEM XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I moved out of a short term rental ( XXXX ) at XXXX at XXXX XXXX XXXX TX XXXX XXXX. I was unaware after I moved to another state that they charged me a cleaning fee of {$280.00} and automatically sent it to collections-XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Never notified of this debt prior. Looked at my credit report in XX/XX/XXXX and seen a XXXX XXXX XXXX on behalf of XXXX at XXXX XXXX is collecting a debt of {$280.00}. Made sure I paid this ASAP XX/XX/XXXX payment cleared, account closed, {$0.00} balance and it was reported as {$0.00} on all credit reports since XXXX. Fast forward to XX/XX/XXXX, I look at my credit report and see a different collection agency BounceAi collecting for {$280.00} on behalf of XXXX XXXX XXXXRental Deposit alternative from XXXX at XXXX XXXXXXXX. I reached out to the property manager XXXX and she stated they filed a claim XX/XX/XXXX with XXXX and a cashed a check from them on XX/XX/XXXX. I advised paid this balance off, almost a full year ago on XX/XX/XXXX, account closed, paid XXXX balance. XXXX at XXXX XXXX response was I didnt know, its not my fault, we received a bulk Payment of checks from XXXX scanned it in after fraudulently filing a claim for an account that was paid and closed months prior. She accepted no responsibility for taking my money via XXXX XXXX XXXX XX/XX/XXXX and filing a fraudulent claim and accepting another payment from XXXX XX/XX/XXXX for the same {$280.00}. Her response was there is nothing they can do after receiving payment from XXXX XXXX XXXX and XXXX for the same account/Balance/debt. The property manager XXXX told me to request a refund from XXXX XXXX XXXX collection agency that I paid almost a full year ago and make another payment for the same debt and amount to this new Credit Agency BounceAi on behalf of XXXX at XXXX XXXX . And hopefully they will get this new account that I was unaware I even had with XXXX paid off. So apparently unknown to me when I signed a short term lease with alternative deposit program it was XXXX. Never receive not XXXX communication from XXXX ever regarding this debt, if they did reach out to me I would have told them the account was paid off months prior and its an fraudulent claim the property management submitted because this has already been paid. I dont owe this. XXXX at XXXX XXXX accepted payment for the same debt twice and Im now liable for paying this same balance again? If they request payment from another company/agency for same balance again, should I also be held liable for that too as well? Where does the law kick in to protect people. I dont owe this same {$280.00} and I want it removed from my credit report.

Company response to consumer: Closed with explanation