vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This is a separate complaint from my other complaint as this email communication was on a different date and like they just keep blowing up my inbox and for what? They playing games trying to collect on debt that is no longer mine as it is past the statue of limitations and can't be collected anymore. They be illegally trying to collect zombie debt and intimidating me. Like they should be fined and pay me dagames for this and they need to stop hollering at me and contacting me like this! Please help!

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 2025-03-06 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally lodge a complaint regarding an error I have discovered on my credit report. Upon reviewing my credit report I noticed the following discrepancy : account information, wrong payment history, incorrect credit inquiries, etc. 
This error is adversely affecting my credit score, and I believe it is a result of inaccurate or outdated information. I request that you investigate this matter and take the necessary steps to correct the information as soon as possible. 
Please let me know if you require any further information or documentation. I expect a prompt response, as this issue is crucial to my financial wellbeing. I would appreciate it if you could confirm the steps taken to resolve this matter and notify me when the corrections have been made to 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 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX i was delivered an improper delivery of a billing statement from American Express and noticed billing errors on the statement. I do not believe i was given a fair billing error dispute. The adjusted balance at {$1100.00} is incorrect and the new balance at {$1200.00} is incorrect. The issuer, American Express National Bank did not fulfill their obligation by adding the interest rates of APR for Purchases, in which i purchased using the Card for personal, family and household purposes, So interest charged on the statement is {$0.00}, which is a billing error. Same thing with fees I have returned payment ( billing statement ) back to American Express National Bank and did not adjust the fees onto the Account. The Fees on the statements is {$0.00}, So interest charged and fees are COMPUTING ERRORS according to the Fair Credit Billing Act. I am indirectly involved into the Account and if American Express National Bank do not fulfill their obligation and then i am affected and held liable. According to the Fair Credit Billing Act this is a billing error. My name is attached to Part 1 of the Cardmember of the Agreement not Part 2. No where in Part 2 of the Cardmember of the Agreement does it say " I XXXX XXXX promise to pay ''. The issuer is identified on part 2 of the cardmember of the Agreement, not me. I have fulfilled my obligation by using the Card i had applied for. The agreement says American Express National Bank promises to pay all charges. My intention is to operate in good faith and for the Account to be credited. Attached to this is Part 1 and Part 2 of cardmember agreement, Fair Credit Billing Act, My dispute letter, and the response from American Express, billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-03-06 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-06 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-06 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
This is a separate complaint from my other complaint as this email communication was on a different date and like they just keep blowing up my inbox and for what? They playing games trying to collect on debt that is no longer mine as it is past the statue of limitations and can't be collected anymore. They be illegally trying to collect zombie debt and intimidating me. Like they should be fined and pay me dagames for this and they need to stop hollering at me and contacting me like this! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLF Law Group, LLC
State: TN

Complaint narrative:
Dear Dobberstein Law Firm, I am writing in response to a debt collection letter I received from your office regarding an alleged balance of {$2400.00}. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally requesting validation of this debt, including the following information : Proof of your authority to collect this debt Please provide documentation that you have the legal right to collect this debt on behalf of the original creditor. 
A copy of the original contract I require a signed agreement or contract that establishes my obligation to pay this debt. 
Itemized accounting of the amount claimed A detailed breakdown of how the balance of {$2400.00} was calculated, including interest, fees, and charges. 
Proof of ownership/assignment If this debt was transferred or sold, provide documentation that verifies the chain of ownership from the original creditor to your firm. 
Until proper validation is provided, I am disputing this debt in its entirety. Please be advised that any attempt to report this alleged debt to the credit bureaus without proper validation will be considered a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

If you are unable to provide the requested validation, I ask that you cease all collection activities and remove any negative reporting related to this alleged debt. 

Please respond to this request in writing within 30 days of receipt. Failure to provide proper documentation will be viewed as an admission that no valid debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX {$5100.00} Reason : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am 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 Fraud 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 2025-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have several student loans through the department of education that have been transferred to different loan servicers over the years. All of my accounts have been reported as current up until XX/XX/year>. 
I have just been notified that all of my student loans were reported to all the major credit agencies as XXXX  days past due. 
This is false information. 
I have never received any correspondence from Aidvantage regarding delinquencies or payments due. These false statements have caused significant financial damage to my credit score. 
I have disputed this information with all credit agencies and would like this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I contact synchrony bank about a fraudulent credit card open without my knowledge someone from their called me last week only asked me two questions and today they sent me a letter as my attorney forward to them last month if they going to say the card belongs to me they must provide the evidence they said signature match. They have to provide that they said I authorize it. They need to provide those information. Those information is my consumer rights they need to provide them failure to provide them. They need to close their account and keep their fraudulent transaction. I will not be paying for anything that I did not open or purchase. They have until XXXX weeks to provide them or a court order will compel them to provide those information those are their choices if they want to be forced, thats what going to be happen I am not a poor XXXX person to play around with

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 2025-03-06 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: TX

Complaint narrative:
I am filing a formal complaint against Experian for its failure to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my multiple disputes and the submission of supporting documentation, Experian has failed to remove or correct inaccurate and unverifiable accounts, leaving them unresolved and continuing to harm my credit standing. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for systemic violations, including failing to forward consumer-provided evidence to furnishers, relying on unreliable responses, and failing to adequately notify consumers of dispute outcomes. My personal experience aligns with these allegations, as Experian has not conducted a legitimate investigation into my disputes, nor has it provided any justification for refusing to remove or correct the inaccurate accounts in question. 

XXXX failure to comply with its legal obligations is a direct violation of my rights under the FCRA. Therefore, I am demanding immediate corrective action to remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the CFPB take immediate action to hold Experian accountable and ensure full compliance with federal law. I expect these accounts to be permanently deleted due to Experians failure to conduct a lawful and reasonable investigation. Please confirm that the necessary corrective actions will be taken. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-06 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: FL

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-06 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: FL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MO

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of Identity Theft and fraud. The fraudulent account is : ( XXXX ) This account has resulted in several fraudulent account appearing on my consumer XXXX report. I demand that the aforementioned fraudulent item be removed from my consumer credit report and that all collection activity related to said item 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 2025-03-06 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:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX {$5100.00} Reason : Unverified account

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