vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Time share reporting late fees on dishonest time share sales that were cohersed into buying with unjust and illegal sale tactics and false promises of use of the property and taking advantage of elderly citizens which is presently being disputed. By XXXX XXXX XXXX XXXX XXXX Also car repossession claim that is more than 7 years old that should not be continued to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally request verification of several accounts listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. This law provides me the right to request and obtain a reinvestigation into the accuracy and completeness of information reported by your agency. 

The following accounts appear on my credit report, and I am requesting full verification of how each one was validated, including the method and the original source used to verify the debt : XXXX Credit XXXX XXXX {$350.00} XXXX XXXX Associates - {$660.00} XXXX - {$690.00} XXXX Receivable XXXX marked as paid, should have been deleted as of XX/XX/XXXX XXXX Financial/Lead Bank XXXX XXXX late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments from XXXX XXXX Federal Credit Union Charge-off {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX of {$430.00}, paid off in XX/XX/XXXX Please provide XXXX The name and contact information of the entity that verified the information The method of verification used All supporting documents and records used to verify the account status and details If you are unable to verify any of these accounts in accordance with FCRA guidelines, I respectfully request that the unverifiable information be removed from my credit file. 

Please conduct this reinvestigation within the 30 days allowed under the FCRA and notify me in writing of the results. I am requesting this information be provided to me in writing and that you forward notice of any changes made to my credit report to anyone who has requested my report in the last XXXX months ( or the last XXXX years for employment purposes ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I called in reference to the account and couldn't get fully in my account due to identify theft my physical address on file, email address and phone number associated with the account was changed making it difficult to get any access to my account but I was able to file a dispute claim towards the transaction charges that need disputed. Im unable to change my physical address or email thats currently on my account file. Making it very difficult for me to get any access to my dispute claim or any other account information that I may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an educational account opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and two educational accounts opened at XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
I supposedly owe Acima rental company money. Three separate companies that are " debt collectors '' have called me from three different numbers. I wanted to verify and called acima myself asking all three to send me information via the mail. They state they have been contacting me, however I have zero record via mail or phone until the last month. Upon contacting acima, they state they have no idea what I am talking about. The current company is threatening legal action, and that they are using someone to collect information about where I live, my employer etc to " track me down ''. Those were the exact words used. I have asked them to please send me information regarding the debt via the mail. They refuse every time and just keep repeating I am going to be sued, they have lawyers and they are going to track my down at my place of work. When I ask them to stop calling me, they continue to argue and when I ask yet again for validity of the debt, they hang up on me and I am unable to contact them back. They continuously leave voicemails that state they are releasing my information to the county I live in, and that legal action is coming. I have also asked for more information they won't give it stating they " can't '' and I also have asked for a settlement and the amount owed. They refuse to tell me that as well and state I'll just have to deal with it in court. If this is valid, I would like a letter of validity, and a settlement. I have received nothing in the four years I lived at the address from Acima stating I owe them anything, nothing via email, phone or letter. They also are currently stating they don't know what I am talking about and neither do they show up on any of my credit reports. This is a scary tactic and I am tired of it. Acima states it is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint againsXXXX 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 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I would like to preface this complaint with the fact that I XXXX XXXX have already recently submitted and concluded a separate but identical complaint against Wells Fargo. They are using misleading targeted advertising and I have now contacted an attorney ( XXXX XXXX XXXX ) out of XXXXXXXX XXXX  due to a repeat of this same issue. I am now considering moving on to a harassment claim unless this is justified and resolved to my satisfaction. 

On todays date of XX/XX/year> I have received another targeted offer this time via mail for a Wells Fargo XXXX XXXX XXXX XXXX cash back credit card. ( Reservation number XXXX ) This is the exact same credit card I was targeted ( via email ) to apply for and rapidly declined just weeks ago. 

They have already left an inquiry on my credit report for this same card in which I was offered to apply for and denied. Why am I being sent yet another offer to apply for this card? My credit has not varied in the few weeks since I received the first offer. So either A ) They were incorrect for denying me originally and now realize it, or B ) They are offering me to apply and be declined and left with another unnecessary inquiry on my credit report. 

Either way I do not wish to do any business with this company and will seek legal restitution for harassment and defamation of character based on their offer in which I qualified for that I was then denied and now, dealing with repeating this same situation all over again.

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 2025-05-10 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:
To Whom It XXXX Concern, I am writing to formally request verification of several accounts listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. This law provides me the right to request and obtain a reinvestigation into the accuracy and completeness of information reported by your agency. 

The following accounts appear on my credit report, and I am requesting full verification of how each one was validated, including the method and the original source used to verify the debt : XXXX Credit XXXX XXXX {$350.00} XXXX XXXX Associates - {$660.00} XXXX - {$690.00} XXXX Receivable XXXX marked as paid, should have been deleted as of XX/XX/XXXX XXXX Financial/Lead Bank XXXX XXXX late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments from XXXX XXXX Federal Credit Union Charge-off {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX of {$430.00}, paid off in XX/XX/XXXX Please provide XXXX The name and contact information of the entity that verified the information The method of verification used All supporting documents and records used to verify the account status and details If you are unable to verify any of these accounts in accordance with FCRA guidelines, I respectfully request that the unverifiable information be removed from my credit file. 

Please conduct this reinvestigation within the 30 days allowed under the FCRA and notify me in writing of the results. I am requesting this information be provided to me in writing and that you forward notice of any changes made to my credit report to anyone who has requested my report in the last XXXX months ( or the last XXXX years for employment purposes ). 

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally request verification of several accounts listed on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. This law provides me the right to request and obtain a reinvestigation into the accuracy and completeness of information reported by your agency. 

The following accounts appear on my credit report, and I am requesting full verification of how each one was validated, including the method and the original source used to verify the debt : XXXX Credit XXXX XXXX {$350.00} XXXX XXXX Associates - {$660.00} XXXX - {$690.00} XXXX Receivable XXXX marked as paid, should have been deleted as of XX/XX/XXXX XXXX Financial/Lead Bank XXXX XXXX late payments in XXXX XXXX XXXX XXXX XXXX XXXX XXXX payments from XXXX XXXX Federal Credit Union Charge-off {$20000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX of {$430.00}, paid off in XX/XX/XXXX Please provide XXXX The name and contact information of the entity that verified the information The method of verification used All supporting documents and records used to verify the account status and details If you are unable to verify any of these accounts in accordance with FCRA guidelines, I respectfully request that the unverifiable information be removed from my credit file. 

Please conduct this reinvestigation within the 30 days allowed under the FCRA and notify me in writing of the results. I am requesting this information be provided to me in writing and that you forward notice of any changes made to my credit report to anyone who has requested my report in the last XXXX months ( or the last XXXX years for employment purposes ). 

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 non-monetary relief
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission XXXX XXXX affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I am being held in default and denied access to federal aid for a loan that has no valid Master Promissory Note on file. Ive searched XXXX and confirmed there is no signed agreement under my record. This situation is directly impacting my education, housing stability, and financial aid eligibility. I am requesting a full investigation, a complete discharge of the loan, and immediate restoration of my Title IV eligibility. I also request that this debt be removed from all credit reports and that all collection activity be halted until the matter is resolved.

This request is made pursuant to : FCRA 611 : Furnishers must be able to verify any account reported to credit bureaus ; if not, it must be removed.

FDCPA 809 : Collectors must provide proper validation upon request. No such documentation has been provided to me.

Higher Education Act & legal precedent : Loans lacking a valid MPN are not legally enforceable and are subject to disch

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Peer Advisors, LLC
State: IL

Complaint narrative:
My mother had a reverse mortgage with XXXX through HUD. My mother died on XX/XX/year>. I notified XXXX and provided all the documentation they requested, including the death certificate and deed in lieu of forcolure forms. I was told it would take a minimum of 3 months for their attorneys to finalize taking over the home. It has been 10 months, I have heard nothing from XXXX. The home is vacant, no one is mowing the lawn, paying homeowners ' insurance or taxes. I have emailed and called XXXX  several times, and I get no response. 
Case # XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In sent out dispute letters by certified mail and I never received any information about how the investigation was conducted by mail. I did not receive any information back all

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 2025-05-10 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: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I did some car shopping over the past two years and I was not aware that the car dealership would share my information with XXXX XXXXXXXX. I did not consent to the company to view 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