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: 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: MI

Complaint narrative:
Dear CFPB Representative, I am formally disputing an issue with TRANSUNION, such as inaccurate credit reporting, unauthorized charges, unfair lending practices, etc. Despite my efforts to resolve this matter directly with the company, they have failed to take appropriate action. 


XXXX XXXX XXXX XXXX XXXX XXXX reported false information on TRANSUNION I have wrote them a letter on multiple occasions and they have denied my request of removal! I need all my remarks to be removed from these companies immediately as they have proven themselves to have wrongful information and incorrect amounts! I need a full investigation on all these cases Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to dispute inaccurate or incomplete information and to have the matter properly investigated. The law requires that credit reporting agencies and furnishers of information investigate disputes within 30 days and correct any inaccuracies. TRANSUNION has failed to comply with these requirements, and I am requesting the CFPB intervention to ensure that my consumer rights are upheld. 

I have enclosed copies of supporting documentation, including [ list documents such as billing statements, letters, emails, credit reports, or other relevant evidence ]. I request that the CFPB take appropriate action to ensure compliance with federal law and facilitate a resolution. 

Please keep me informed of any progress regarding this dispute. Thank you for your time and attention to this matter. 

Sincerely,

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: KS

Complaint narrative:
I Have a {$50.00} dollar Prepaid XXXX XXXX from XXXX XXXX XXXX. I have called to confirm the balance is on the card, as well as checked on the website, the card is also registered. But it doesn't work in store or online. I could not find any way to even attempt to speak with a real person nor any other means of reaching out. The card is valid until XX/XX/year>.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Investigation Team for Experian, I was recently turned down for credit when I applied for a credit card and I was highly perplexed. I took it upon myself to pull my credit report and was very confused about some of the items appearing on it. 
I would like you to conduct an investigation for me to make certain that everything is accurate. 
XXXX XXXX  - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - accounts status in inacurrate cant report paid and opened. delete account immediately for violation of 15 USC 1681e ( b ) Please remove off credit report I PAID THIS IN FULL - and after numerous conversations with this company this should have been removed after I paid it off which has been fulfilled. 
XXXX XXXX  - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX XXXX - XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date open, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX  XXXX XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Payment history, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) Please see the personal information listed at the top of this letter and remove all information that does not match it. 
According to the Fair Credit Reporting Act, I request that you start investigation these items and make corrections accordingly CC : CFPB

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : membership fee Dear XXXX On XX/XX/year>, I got the answer from XXXX after providing my Discover credit card. At that time there was no membership and its fees disclosure, so I have neither been enrolled into nor apply for a membership. 
Using the information from my Discover credit card, without my consent, XXXX bills the membership fee to my Discover each month and so on to indefinitely. 
I sent a complaint but XXXX ignores it. 

Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Against : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
FORMAL DISPUTE LETTER DEMAND FOR IMMEDIATE REMOVAL XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : DEMAND FOR IMMEDIATE REMOVAL Violations of the FCRA and FDCPA Dear Sir/Madam, This letter serves as formal notice that you are reporting inaccurate and misleading information on my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ). 
The account in question, reported by LVNV Funding LLC, contains multiple errors and must be immediately removed for the following reasons : 1. LVNV Funding LLC IS NOT THE ORIGINAL CREDITOR I have no contractual agreement with LVNV Funding LLC. Under FCRA, 15 U.S. Code 1681b, you have no right to report information from an entity that can not legally prove ownership of the debt. I demand complete, verifiable proof of the debt assignment and transfer. 

2. INACCURATE BALANCE AND ILLEGAL INFLATED CHARGES The reported balance on this account has fluctuated unjustifiably, which is a clear violation of FCRA, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), prohibiting the reporting of false or incorrect information. If you can not provide a valid explanation for these changes, this account must be deleted immediately. 

3. THE ACCOUNT WAS INSURED AND SHOULD NEVER HAVE BEEN SENT TO COLLECTIONS This debt was originally covered by an insurance policy, which should have satisfied the balance in case of default. The sale of this debt to a third-party collector is fraudulent. I demand solid proof that this insurance coverage did not apply before this account was sent to collections. 

4. POTENTIAL FDCPA VIOLATION FOR REPORTING UNVALIDATED DEBT LVNV Funding LLC has been illegally reporting this account without providing verifiable proof of their right to collect this debt. This is a direct violation of FDCPA, 15 U.S. Code 1692g ( b ).

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: 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 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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2025 Bank of America abruptly closed my account with no reason given. I had over {$1800.00} in there and they will not release it.

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 monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This hard inquiry is fraudulent and do not belong to me. 

XXXX XXXX XXXXXXXX - XX/XX/year> TransUnion

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently ordered copies of my credit report and discovered numerous accounts that do not belong to me. Which means that I am not the one who opened these accounts and I am a victim of identity theft.

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: IN

Complaint narrative:
I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violates 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 the 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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than 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 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Child support account # XXXX this account has not been reinvestigated by Experian properly this account keeps reporting incorrect improperly and without my consent Ive disputed this account numerous times only to be verified as accurate and remains on my credit report this account has been removed from XXXX and XXXX this account never came from a credit transaction this account should have never been on my credit report. Experian this is a violation of the Fair credit reporting act please remove immediately as this account has caused great damage if not I will seek Monetary Compensation of {$1000.00} for each violation.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I've delivered the financial institution a copy of the condominium flood insurance for all XXXX units inthe condo. 
My mortagage is for XXXX units in the same condo, all of them covered by the same insurance policy. 
I've spent hours on the phone to have Shellpoint to cancel the lenders placed insurance, they just cancel the policy for just 1 unit but they are still charging me lenders placed insurance for the rest of the units.

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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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: 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I have received a debt notification by a debt collector named COLUMBIA DEBT RECOVERY LLC DBA GENESIS for original creditor - XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The total amount of debt requested is {$2000.00} for lease termination failure to provide 60 - day notice. I made my XXXX notice on XX/XX/XXXX to move out by XX/XX/XXXX. I sent a dispute to GENESIS Compliance on XX/XX/XXXX. I was emailed a second debt notification from GENESIS creditor on XX/XX/XXXX. I had called them to ask about my dispute request, and was told I needed to send proof that I sent in my 60 day notice and I emailed this proof on XX/XX/XXXX to the Compliance team. I later called asked the representative about my dispute again and GENESIS said XXXX XXXX XXXX XXXX XXXX  still has my balance as {$2000.00} and I still owe the debt. I request reason denial of my dispute, and they couldnt provide me a reason. Then I ask for proof of debt validation and also didnt provide any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I've paid the debt in full and it is still reporting as open on my credit report and unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding a closed utility account under XXXX XXXX, which inaccurately reflects as " charged off '' and " written off '' on my XXXX credit report. 

Account Information : Account Number : XXXX Account Type : Utility Date Opened : XX/XX/year> Status : Closed Despite this account being marked as closed, it is still negatively impacting my credit report with derogatory terms such as " charged off '' and " written off. '' I have made multiple good-faith attempts to resolve or dispute this matter directly with XXXX XXXX XXXX but have not received a satisfactory resolution. 

I respectfully request that this matter be reviewed and investigated. My position is that this derogatory status is incorrect and should be removed or corrected as it unfairly affects my credit standing. 

I am seeking the CFPB 's assistance in holding XXXX XXXX accountable for updating or removing this inaccurate reporting in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. 

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This is an addendum to the complaint XXXX. 

Dear CFPB, Thank you for your response and for forwarding Bridgecrest 's reply regarding my complaint. 

Unfortunately, Bridgecrest 's response is inaccurate. While they are correct that our son 's car was totaled on XX/XX/XXXX, their claim regarding GAP insurance is misleading. GAP insurance was never offered to us at the time of purchase, nor did we decline it. By the time we reviewed and signed the documents, the GAP insurance option had already been marked as declined, leaving us with no opportunity to opt in. However, that is not the primary issue at hand. 

The main concern is that we never received a payoff statement via email. Instead, after months of waiting, we finally received a letter from Bridgecrest stating that we still have the careven though the vehicle was totaled, and our insurance company issued a payment for the loss. Since XX/XX/XXXX, we have been waiting for a formal payoff statement or any correspondence from Bridgecrest to finalize the remaining balance due. The only correspondence we have received is that we are late on payments, that they are reporting us to our credit and as of XX/XX/XXXX have reported this as a charge off. 


Despite our repeated attempts to resolve this matter, we received no communication until XX/XX/XXXX, when Bridgecrest finally sent us a small printout of our payment historyrather than the necessary payoff statement or final settlement details and they are claiming we still have the car and will reposess it. 

We request your assistance in ensuring that Bridgecrest provides a proper payoff statement and any remaining documentation needed to close this matter. 

Because we are getting no assistance with this matter we have retained a lawyer at our own expense. 

They are not being truthful with you. I have ALL OF THE DOCUMENTATION, all of the copies of my letters. They are not paying attention to the details of my case. 

Thank you for your time

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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief