vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
This item reported on my XXXX Credit report as a Charge Off. 
CITI BANK ACCOUNT NO. XXXX IN THE AMOUNT OF {$14000.00} this account ( s ) was a Charge Off, CITI BANK Reported this as a Profit Loss, and are still reporting it on my credit report that I still owe this amount, however CITIBANK never supplied me with the 1099-A. and as of today my request to CITI BANK has not been answered. 
I am Requesting that the CFPB request a copy of the 1099-A from CITI BANK the Credit Report Reporting on : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MICHIGAN, 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 non-monetary relief
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Back in 2023 I have reached out to XXXX XXXX about some Zelle transaction that happened around mid XXXX of 2023 I let the agent at the bank know that the transaction was fraudulent. I gave them a police report and I let them know I did not know the person who was taking money from Zelle From my checking account. I did not give no person permission so send money from Zelle or take from Zelle from my banking checking Account. I was told to reach out to Zelle company and the agent stated it looked like an inside job. To contact my bank and I did that, but my bank only gave me a fraudulent package to fill out and they never got back to me. I sent them all the transaction and how much was taken from my checking account although they can see that on my transactions its been XXXX years and still no response. It has been challenging trying to get my funds back because Ive been in and out of the XXXX  dealing with XXXX XXXX. I also seen that there was a lawsuit against Zelle so Im reaching out to you all to get more information about that because its not fair that I have to have my money taken from me and my children that I did not give permission to give my funds to no one. The agent stated that they closed the individuals Zelle accounts that took my funds, but they still have not sent me my funds back I want my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 on financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$490.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$340.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to file an aggressive and urgent complaint against Equifax and TransUnion, These companies whose actions have not only been unacceptable but have also put my financial well-being at severe risk. Despite numerous attempts to resolve these matters directly with Equifax and TransUnion, they have demonstrated a profound disregard for consumer rights, legal obligations, and basic customer service.

Summary of Issue ( s ) : Equifax and TransUnion has failed to remove inaccurate information from my credit report, despite providing them with sufficient documentation.

Repeated inquiries to their customer service have been ignored or mishandled.

As a result of Equifax and TransUnion incompetence, I have been denied credit for a mortgage loan, which has caused financial harm and emotional distress.

This situation has gone on far too long, and I have grown tired of Equifax and TransUnion blatant negligence. My attempts to resolve this matter directly with them have been futile, with responses that are either evasive or entirely unhelpful. In some cases, I have been forced to provide the same documentation multiple times, which is not only frustrating but a clear sign of these companies systematic failure. 


Failure to Act : Equifax and TransUnion has failed to follow the Fair Credit Reporting Act by not investigating my dispute within the legally required timeframe.

Their customer service agents repeatedly provided incorrect information and gave me no clear path forward.

This persistent neglect and refusal to take proper action are absolutely unacceptable, and I demand that the CFPB intervene immediately to ensure that Equifax and TransUnion are held accountable for their actions. I am also requesting that Equifax and TransUnion be required to correct all errors on my credit report and compensate me for the significant harm they have caused.

I am fully prepared to take further legal action if Equifax and TransUnion irresponsible practices continue, and I expect this complaint to be taken seriously. 

I expect prompt action to be taken by the CFPB in holding Equifax accountable for these gross violations. 

Thank you for your attention to this matter. I look forward to hearing from you soon regarding the progress of my complaint. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
My husband and I were going to file Bankruptcy. We stopped paying on this account in XXXX of 2024. We also informed XXXX that we were filing. We received our taxes and had family offer to help us instead of filing. I called to try and resolve my account. They have not charged it off. The lady on the phone confirmed that the balance was around {$4400.00} when I made my last payment and I now owe over {$7500.00}. She said they will not offer any reduced balance except for the {$7500.00}. In addition, my husband has an account and they did the same thing. I asked them to send over the documents. They stated that since this account is a credit line, they are not required to charge it off and allowed to keep adding interest to my balance until paid on full. She also stated that the account might be sold but no guarantee. I went to my credit report and it states that my account is being serviced by XXXX XXXX. It states the account was opened on XX/XX/year>. How is my balance higher when I call then what is reported. I feel they are in violation of the FDCPA and the FCRA. 

They sent an email and stated it was against their policy to accept a settlement payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-03-17 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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

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 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
PORTFOLIO RECOVERY - In Michigan, operating as a collection agency without a proper license is prohibited under Michigan Compiled Laws ( MCL ) 339.904 ( 1 ), which states : " A person shall not operate a collection agency or commence in the business of a collection agency without first applying for and obtaining a license. '' I am formally disputing the debt you are attempting to collect and demand its immediate removal from my credit report. Under 15 U.S.C. 1692k, you have violated the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect a debt without a valid license in the state of Michigan ( MCL 339.904 ).

Due to these legal violations, you are not legally authorized to collect this debt, and continued reporting of this invalid debt is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. As such, I demand : Immediate removal of this account from all credit bureaus ( XXXX, XXXX, and XXXX ). 
Cease all collection activities, including reporting, contacting me, or selling the debt. 
Compensation for statutory damages of {$1000.00} under 15 U.S.C. 1692k, or I will pursue legal action. 
Failure to comply within 15 days will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Michigan Attorney Generals Office. If necessary, I will proceed with legal action to seek statutory damages. 

This letter serves as formal notice under federal law. Please provide written confirmation of compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment reported on my XXXX XXXX account. I am disputing this entry under the Fair Credit Reporting Act, 15 U.S. Code 1681, which mandates that credit reporting agencies and furnishers of information ensure the maximum possible accuracy of consumer credit data. The reported late payment is incorrect and has caused financial and reputational harm, negatively affecting my creditworthiness. The late payment does not accurately reflect my payment history, and I am requesting that it be corrected to reflect the accurate status of my account. I want to clarify that I am not requesting the removal, deletion, or closure of my accountinstead, I am seeking an update that accurately reflects my payment record in full compliance with federal law. Due to this erroneous late payment, I have experienced unjustified denials for credit applications, increased interest rates on loans and credit lines, potential loss of favorable lending terms and financial opportunities, and unnecessary damage to my credit score, despite responsible financial behavior. This incorrect reporting violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer credit data. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or incomplete information to credit bureaus. Under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute incorrect information, and XXXX XXXX is legally required to conduct a proper reinvestigation within 30 days to ensure compliance. Furthermore, under 15 U.S.C.1681n, willful non-compliance with the FCRA may result in penalties of {$1000.00} per violation, and under 15 U.S.C. 1681o, negligent reporting practices also carry legal liability. I respectfully request the following actions : delete the inaccurate late payment entry and update my payment history to accurately reflect my account status, ensure my account remains open and active without any adverse impact on my credit profile, and provide written confirmation that the correction has been made and that my consumer report reflects the accurate payment 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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received a copy of my credit report. I have contacted Experian number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. 
MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that Experian has made the follow errors in reporting inaccurate accounts on my profile. 
Inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX, inaccurate address XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX, XXXX. Inaccurate accounts : XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX noticed you are reporting multiple 30 day late payments on my credit history. I don't believe these to be accurate. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX In accordance with the fair credit Reporting act Experian has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 J.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the ndividual about whom the report relates.

am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). ''

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