vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an error on my credit report that I need to get fixed. After carefully reviewing everything, I noticed an entry thats not correct, and its affecting my credit score in a way that isnt accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: CA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an error on my credit report that I need to get fixed. After carefully reviewing everything, I noticed an entry thats not correct, and its affecting my credit score in a way that isnt accurate.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope youre doing well. Im reaching out because Ive found an error on my credit report that I need to get fixed. After carefully reviewing everything, I noticed an entry thats not correct, and its affecting my credit score in a way that isnt accurate.

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 2025-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: SC

Complaint narrative:
I started to receive calls from Procollect INC ( PCI ) without knowing what the debt was about. I was evicted in XX/XX/XXXX and NEVER received notification about a debt or a right to dispute even after proving the previous. apartment owners of my change in address. I assumed that since last months rent was included in my moving in and since there were no damages done, I did not owe. They have been calling since XXXX with no documentation provided to me. It was not until XX/XX/XXXX that they told me the amount of the debt I supposedly owe AFTER I ASKED. They also asked if I had received notifications or documentation and I said NO. After that they asked for my correct address. I had no idea I had this much to pay let alone a debt at all ( {$5100.00} ). They stated that part of it was for trashI have video footage of the apartment being spotless as it was cleaned before I left. When asked for a description of the rest of the charges I was told she could not give me that information and she provided me with an account number to go online. The account # provided is incorrect as I have been trying to access the account since finishing out I owe such a significant amount.

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 2025-03-01 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: CA

Complaint narrative:
Submitted a dispute to TransUnion for many fraudulent accounts in my credit report. I provided a police report from the XXXX XXXX Sheriff Dept and an identity theft report from the FTC stating I did not open these accounts unfortunately I was oblivious with my credit and didnt notice the issue for awhile. TransUnion did not delete hardly any of the fraudulent accounts only a couple and missed an additional 10-15 fraud opened 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 non-monetary relief
Consumer complaint received 2025-03-01 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
There were a Data breach with XXXX XXXX XXXX  and XXXX! And i would like all negative inquiries and all negative items off of my credit report! 




Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
Its incredibly frustrating to see an inquiry I didnt approve show up on my credit report. I take my credit seriously, and I make sure to keep track of who is accessing my information. This inquiry is completely unauthorized, and Im asking that it be removed immediately.

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 2025-03-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hello I have a big problem going on with my chase bank they just keep saying sorry and not doing anything my friends sending me money and from my account I can not send it to my landlord and he is waiting for the rent XXXX chase bank is not doing anything I need help to fix this with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: VA

Complaint narrative:
I DID NOT RECEIVE THE CHAIN OF ASSIGNMENT VA FOR VALIDATION OF DEBT. from LVNV funding LLC .Account number XXXX balance {$1300.00} as Date opened XX/XX/year>, A BILL AND ADDRESS OR NOT PROVE VALIDATION OF DEBT ALSO CHARGE OFF SHOULD NOT BE REPORTING A BALANCE XXXX ( XXXX ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: PA

Complaint narrative:
Equifax continues time and time again to report erroneous information in my consumer credit report. Listing each erroneous account below : 1 ) XXXX XXXX XXXX. EQUIFAX is reporting late payments from XXXX and XXXX of XXXX and also from XXXX XXXX XXXX. This account is reporting CHARGED-OFF with a past due balance of {$2600.00}. How can this account be charged off AND carry a balance? This account reporting violates SEVERAL FCRA laws as follows : FCRA 15 USC 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan there a late for ANY PURPOSE. 
FCRA Section 623 15 USC 1681s-2 Responsibilities of furnishers information. ( 1099c ) which has NOT been provided. 
FCRA 15 USC 1681 ( I ) verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> Credit Reporting Agency Name Subject : Repeatedly Reappearing Inaccurate Debt on Credit Report Whom it may concern : I am writing to formally dispute a debt that has repeatedly appeared on my credit report despite being previously removed for inaccuracies. The account in question is associated with XXXX - XXXX, with a reported balance of {$110.00}. 

This account has been removed multiple times due to errors and inaccuracies, yet it continues to be reported under different names. This practice is misleading, unfair, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I request that this account be permanently deleted from my credit file and that you conduct a thorough investigation to prevent its reappearance in the future. 

Please provide me with written confirmation of the actions taken regarding this matter. If this issue is not resolved promptly, I am prepared to escalate my complaint,, I have attached copies of previous dispute resolutions, my credit report showing the erroneous information, and any supporting documentation for your reference. 

I expect your response within 30 days, as required by the FCRA. Please send your written confirmation to the address listed above or via email. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> Credit Reporting Agency Name Subject : Repeatedly Reappearing Inaccurate Debt on Credit Report Whom it may concern : I am writing to formally dispute a debt that has repeatedly appeared on my credit report despite being previously removed for inaccuracies. The account in question is associated with XXXX - XXXX, with a reported balance of {$110.00}. 

This account has been removed multiple times due to errors and inaccuracies, yet it continues to be reported under different names. This practice is misleading, unfair, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I request that this account be permanently deleted from my credit file and that you conduct a thorough investigation to prevent its reappearance in the future. 

Please provide me with written confirmation of the actions taken regarding this matter. If this issue is not resolved promptly, I am prepared to escalate my complaint,, I have attached copies of previous dispute resolutions, my credit report showing the erroneous information, and any supporting documentation for your reference. 

I expect your response within 30 days, as required by the FCRA. Please send your written confirmation to the address listed above or via email. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, 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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
They knowingly allowed me to be defrauded of {$150.00} and have not made attempts to stop others from trying to commit other fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information under 12CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my credit report recently. I have made previous attempts to fix these issues directly with them and they are violating my rights, and I'm entitled to {$1000.00} for every violation I listed below they pay me or delete these inaccurate accounts within 15 days.

Receivable Management Se Date opened XX/XX/year> Account {$620.00} No Debt Validation letter was provided to me by this company a full investigation was also not done they gave me an answer within in 2days which was not enough time to do a full investigation, so they have violated my consumer rights, and I demand this account be deleted from my credit report immediately.

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 2025-03-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX United States Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : 1. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Thank you for addressing this matter promptly. I look forward to your response within the legally mandated XXXX day timeframe. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/year> Credit Reporting Agency Name Subject : Repeatedly Reappearing Inaccurate Debt on Credit Report Whom it may concern : I am writing to formally dispute a debt that has repeatedly appeared on my credit report despite being previously removed for inaccuracies. The account in question is associated with XXXX - XXXX, with a reported balance of {$110.00}. 

This account has been removed multiple times due to errors and inaccuracies, yet it continues to be reported under different names. This practice is misleading, unfair, and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I request that this account be permanently deleted from my credit file and that you conduct a thorough investigation to prevent its reappearance in the future. 

Please provide me with written confirmation of the actions taken regarding this matter. If this issue is not resolved promptly, I am prepared to escalate my complaint,, I have attached copies of previous dispute resolutions, my credit report showing the erroneous information, and any supporting documentation for your reference. 

I expect your response within 30 days, as required by the FCRA. Please send your written confirmation to the address listed above or via email. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, 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 2025-03-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I'm sorry but your questions do not really address my issue. I am reporting an email I received from Navy Federal Credit Union stating I have a new important message and to go to online banking to view it. These 2 messages were received via email on XX/XX/XXXX. I did not click on anything. I blocked them from my email. Today XX/XX/XXXX I woke up to another being sent around XXXX and is sitting in my email. In each of the emails heading from Navy Federal Credit Union there was a different name next to that from edu. I do not have a Navy Federal Credit Union account nor have I ever. I am sure this is a scam looking to harm to anyone who will click.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: WI

Complaint narrative:
On or about XXXX XXXX XXXX XXXXXXXX had a data breach in which my information was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Its incredibly frustrating to see an inquiry I didnt approve show up on my credit report. I take my credit seriously, and I make sure to keep track of who is accessing my information. This inquiry is completely unauthorized, and Im asking that it be removed immediately.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the incorrect information listed on my credit report. Upon reviewing my credit file, I have identified a significant error that I believe is negatively impacting my credit score and unfairly misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, GA, XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear Consumer Financial Protection Bureau XXXX Subject : Fraud Complaint and Dispute Over Responsibility for Loans I am writing to formally submit a complaint regarding fraudulent activity associated with my name and financial accounts. Loans were taken out in my name without my authorization or consent by my guardians ( uncle and aunt ). I strongly believe I should not be held responsible for these loans and am seeking assistance in resolving this matter. 

The details of the situation are as follows : XXXX XXXX ( XXXX ) : Department of Education Loan Amount ( s ) : a. XXXX - {$7800.00} XXXX. XXXX - {$9500.00} XXXX XXXX- {$12000.00}. XXXX d. XXXX - {$6000.00} Total {$35000.00}. With interest upwards of {$45000.00} and rising. 

Incident Timeline : My XXXX XXXX XXXXXXXX have been involved in these fraudulent activities from XXXX Supporting Evidence : a. Forged signatures on refund checks b. Order of judgment by judge on my behalf. 
d. Police Report c. Credit Bureau Companies ' responses to my requests I have already taken steps to address this issue, including filing a police report, notifying the lender, or placing a fraud alert on my credit reports. Despite these efforts, the issue remains unresolved, and the financial institution ( s ) continue to hold me accountable for the loans. 

This situation has caused significant stress and inconvenience, as well as potential harm to my credit and financial stability. I request the CFPB 's assistance in investigating this matter and ensuring the fraudulent loans are invalidated. I also ask that my credit record be corrected accordingly. 

Please find attached, police report, identity theft, and correspondence with the loan servicer for your reference. I am happy to provide any additional information or documentation required to assist in your investigation. 

Thank you for your attention to this matter. I appreciate your efforts in helping consumers like me address financial fraud. Please feel free to contact me at XXXX or XXXX if you have any questions or require further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation