vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My information during the disputing process was not properly investigated which led to a negative impact on my credit score on multiple accounts.

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 2025-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC
State: NC

Complaint narrative:
In XXXX of XXXX I went through the process of trading in my used vehicle for a used car from the XXXX dealership in XXXX, XXXX XXXX I trade my car in and received the used XXXX XXXX, however I was never explained to about the finances were for me to have that vehicle to the extent that I think Fraud has been submitted, In XXXX of XXXX I sent a letter asking to see the actual accounting on the account, No one responded. I also sent an negotiable instrument as a payment method according to consumer laws, they ignored that as well and kept the instrument. Fast forward to XX/XX/XXXX my car was repossessed with out an arbitration, stated by law in the contract, I believe this company was robbing me of my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was sent an Amex e-gift card on XXXX. I waited 2 days before attempting to use the card, and noticed i was unable to add it to my XXXX XXXX despite the website stating I could. I then tried to add it to a XXXX account which did not work, however I was charged a XXXX cent fee. I later attempted to use the card with XXXX but the transaction declined. I called Amex twice, and they informed me the card needed to be registered & I would be unable to use it with a company that requires a security code. I have since tried to use the card in person & online with no luck. And I was charged total XXXX cents despite every transaction declining.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Denied credit due to credit report Consumer law or 15 U.S.C. 1691 and 12 CFR 1002 states that I cant be denied credit due to credit score, history, or income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICIED SOME INACCURATE ACCOUNTS REPORTING XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-26 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:
This letter is a formal notice to Cease and Desist all reporting activities in regards to the above titled account of which to date is still DEFICIENT in its demonstration of a factually documented PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIP OF RESPONSIBILITY ( ies ), VALIDITY ELSEWISE or with the MANDATED PERFECT AND COMPLETE COMPLIANCE OF REPORTING even to the required METRO 2 FORMAT REPORTING STANDARD ( s ). As your firm is well aware I have LEGALLY exercised my rights by contesting in my lawful checks and challenges previously and currently the CERTIFIABILITY of COMPLIANT REPORTING of claim ( s ) still not demonstrated FACTUALLY with adequate verification of truth, accuracy, timeliness or else wise concerned with the undoubted validity of this reported injurious claim Page 1 of 7 and any supposed debt ( s ) that might be associated with and also unproven to date. COMPLIANT REPORTING of ONLY FACTUALLY VERIFIABLE VALIDATED CLAIMS is the MINIMUM STANDARD OF REPORTING NOT AN OPTIONAL ONE, I DEMAND YOU REPORT FACTUALLY and COMPLIANTLY as required by both MY STATE and all the applicable federal laws and standards of reporting as well. I have in writing and by phone attempted to assure that the alleged COMPLIANCE OF REPORTING is in fact CERTIFIED so to undoubtedly confirm the accuracy of the information reported to or by your firm ; and during this process the acts by omission by this furnisher prove substantially that the claim ( s ) and any related debt ( if any ) as reported is invalid, even if only due to deficiencies of reporting requisites. By ignoring my legal validation demand the alleged data furnisher is in direct violation of the FDCPA, and you the FCRA being the responsible repository. Since the furnisher has knowingly violated both federal and state law and I can document this violation, I am demanding that you CEASE all reporting activities. Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.

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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
The contract related to this account is unverifiable and and according to TILA violations, the debt collectors intent is not relevant. The debt collector needs to be thoroughly reinvestigated for an accuracies and violations of the Consumer Financial Protection Act by engaging in unfair and deceptive practices the debt collector also failed to provide the original truth and lending disclosure statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 Recently reviewed a copy of my credit report and I've noticed that there were Fraudulent accounts on the 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 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX sent me a bill of {$1000.00} with multiple charged utilities, so they did not return {$500.00} deposit but also charged me {$540.00}. XXXX sent collection to FCO after I refused payment because lack of evidence. As a result, I sued XXXX on XX/XX/XXXX, in XXXX XXXX XXXX XXXX, XXXX. XXXX opens on XX/XX/XXXX. 
On XX/XX/XXXX, I made a formal request to FCO ( Collection Company ) for detailed evidence that every item in the debt should be charged. FCO responded with a 58-page document, with XXXX pages of indirect documents, never explained reasons any item in the debt should I pay for the company. The other 42 pages are irrelevant documents. 
I requested FCO for more evidence on XX/XX/XXXX, but the specialist used threatening voice and said : " I don't have sufficient document to prove the debt. That's all we have. But if you don't pay, I will deduct your credit score. '' This response was illogical. 
On XX/XX/XXXX, I contacted FCO again using clear voice and language that I have sued XXXX, so according to laws in FDCPA and RFDCPA, they are legally to pause collections. I said at least 5 times. But the specialist did not listen a word and threaten me again to damage my credit score. 
On XX/XX/XXXX, XXXX have ALREADY recorded my collection and damage my credit score.

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 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds withing 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, Equifax '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 Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

1. XXXX- acct # # # # # # # # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
We want all money that is entitled to us I heard about the lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OH

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below have violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX : Account XXXX XXXX XXXX XXXX : Account XXXX, XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2,, states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions and crimes which antedates the report by seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
CFBP did not put my funds in my region bank account in XXXX XXXX Can I pick up the funds ( check ) CFPB was familiar with my hacks and still was considerate. My commissioner seen on public record that I received XXXX XXXX this month but I received {$0.00} PLEASE HELP MY KIDS. I have contacted every news and highest authority possible. We are in danger and I told CFPB. This is not protecting my funds. It hard for me to operate cfpb website. No one respond back to no form of communication. All my phones are hacked. Gov knows about my funds before me. Thats strange. Some cancel my bank card, no one knew the date

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 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Credit Report Dispute Request for Investigation and Correction Dear Sir/Madam , I am writing to dispute certain items on my credit report, as I believe they contain inaccuracies and do not reflect my true credit history. Please investigate the following accounts, which I believe require immediate correction or removal : Midland Credit Management Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct these items. Specifically : 15 U.S.C. 1681b : The disclosure of my credit information to third parties is subject to certain laws, including the requirement that it be accurate and up-to-date. The incorrect reporting of the accounts above violates this statute. 
15 U.S.C. 6802 : This law governs the protection of personal financial information, and as such, it is crucial that all the data related to these accounts is accurate, reflecting the true status of each. 
18 U.S.C. 1028A : The criminal penalties related to the knowing and intentional misuse of personal information highlight the importance of accuracy in credit reporting. Misreporting my account status or any fraudulent activity could result in serious legal consequences, which underscores the need for correction. 
Please investigate these accounts, and if found to be inaccurate or unverifiable, remove or update them accordingly. I am requesting that you provide me with a written statement once your investigation has been completed, along with an updated copy of my credit report reflecting the corrections made. 
Thank you for your prompt attention to this matter. I look forward to receiving your response within the XXXX period required by law. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of Social Security XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I received a negative mark on my credit report showing derogatory so I called and had them close the account requested for the original information such as my signature my correct address and social they used in this situation also a certified letter showing I owed open this account and I was responsible which I wasnt being I had no knowledge of the account they closed but never provided any proof of how they made the decision

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I had fraudulent charges made using my Optum HSA debit card in late XX/XX/XXXX and then again in XXXX XXXX. I also had fraudulent charges made using my debit card in XXXX ( totaling over {$1000.00} ). 

After the fraudulent charges in XXXX, we requested that our debit card be canceled. Since XXXX, neither my spouse nor I ( the only two members of my household ) had a debit card that we activated. We never activated our debit card because we do not use it ; rather, we use the pay-me-back function after submitting receipts. 

I have requested multiple times that my debit card be closed and not reissued. Despite multiple phone calls and multiple agents assuring me that my debit card has been closed, I received a new debit card in the mail on XX/XX/XXXX. 

The recent fraudulent charges were : - {$1.00} on XX/XX/XXXX - {$62.00} on XX/XX/XXXX - {$2.00} on XX/XX/XXXX Detailed description of recent events : On XX/XX/XXXX, I called Optum Bank customer service to report the first instance of fraud, dispute the charges, and request that the debit card be canceled. The customer service agent told me the debit card would be canceled and not reissued. 

After the second instance of fraud, I called the Transaction Review Department on XX/XX/XXXX. I called this number because an additional fraudulent charge on XX/XX/XXXX was identified by Optum 's fraud department and they requested a call back. On this call, I reported the two additional fraud cases that were not detected by Optum, requested that my debit card be canceled, was told that there was no record in Optum 's system from my call on XX/XX/XXXX requesting the card be cancelled, told that I would need to independently reach out to Optum Customer Service to dispute the charges, and then told that my card was now definitely cancelled and would not be reissued. 

I called Customer Service on XX/XX/XXXX to dispute the charges. 

I then received a new debit card in the mail on XX/XX/XXXX. 

Thus far, Optum Bank has credited me for all disputed charges. 

Primary complaint : I am upset that it is so difficult to cancel my debit card. I do not use it and because it seems to never be correctly cancelled, I am exposed to fraudulent charges. I have done my part to repeatedly tell Optum that I do not use the debit card, that I never activated it, and that all charges made with it are fraudulent. I would like Optum to make it easier to cancel a debit card ( without reissuing it ) and would like their fraud detection for clients like me ( who should have no debit card ) to be better at identifying debit card activity.

Company response to consumer: Closed with explanation