vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Details of the Complaint : I am submitting this complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) in connection with a disputed collection account reported by XXXX XXXX XXXX ( Account # XXXX ). 

Background : Original Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Experian Account # : XXXX Amount : {$2900.00} Opened : XX/XX/XXXX Status : Collection On Record Until : XX/XX/XXXXXXXX  Report Number Provided by Experian : XXXX Spoke with Experian Agents on : XX/XX/XXXX : Told by Experian that this account would be deleted within XXXX hours XX/XX/XXXXXXXX  : Called again and was told that account XXXX was not deleted, but rather a completely different XXXX  account ( ending in XXXX ) was removed instead Spoke with representative " XXXX XXXX Reference # : XXXX Why This is a Violation : Experian provided misleading and inaccurate information by confirming deletion of account # XXXX, then later claiming a different account was involveddespite me clearly identifying the account, the amount, and verifying the information over the phone. 
I never requested an investigation into any XXXX account other than # XXXX over the phone. Yet, Experians system shows an investigation was completed and removed for the wrong account. 
Experian now claims that account # XXXX can not be removed because it is not yet 7 years old, which is false. 
The account opened on XX/XX/XXXX, and according to FCRA guidelines ( Section 605 ( a ) ( 4 ) ), collections must be removed after 7 years from the date of the original delinquency, which would reasonably be around XX/XX/XXXX to XXXX, not XXXX. 
The account is therefore eligible for removal no later than XX/XX/XXXX, and the fact that it was first delinquent in XXXX supports removal eligibility now, especially considering reporting errors and the conflicting information given. 
The account is marked with repeated " Invalid date '' entries, suggesting improper handling of reporting data. This directly conflicts with FCRA requirements under 15 U.S.C. 1681e ( b ) to maintain accurate and up-to-date consumer data.

I have previously disputed this account multiple times, and Experian has failed to provide evidence verifying my legal obligation to this debt.

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 2025-06-18 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: CA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:\n\n\tXXXX XXXX XXXX Date OpenedXXXX XXXXn\n\tXXXX XXXX XXXX Date Opened: XXXX\n\n\n\nUNAUTHORIZED INQUIRIES:\nExperian\nXXXX XXXXt\tXXXX\n\XXXX  XXXX XXXX\tXXXXXXXX\n\XXXX/XXXX  XXXX\tXXXX\n\n\nTransUnion\n\tXXXX XXXX XXXX\tXXXX4\n\XXXX  XXXX\n\tXXXX XXXX\n\tXXXX XXXXtXXXX\n\n\nEquifax\n\tXXXXI-1\tXXXXn\XXXX/XXXX\XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I was billed {$49.00} for the first time. But I was never told annual fee. There are forcing me to pay it or cancel the card. This will negative impact on my credit. I never agreed to an annual fee and I never agreed to it. Hence its been over a year and I was never charged. They refuse to transfer the card to a no annual card or waive the fee. This is low level credit card with {$500.00} spending limit. Its simply not worth the annual fee of {$49.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
XX/XX/XXXX, Bank alerted customer of databreach and fraud activity on card, closed and reissued new card number but did not change account number. All funds from account were stolen and only partially refunded back to customer. In XX/XX/XXXX customer filed a claim and attempted to present supporting documentation to support claim. Bank initially declined receivership of documentation but later denied claim due to lack of documentation. Customer sent several copies of documents including in person with branch leadership in XXXX XXXX XXXX XXXX continued to claim they did not have copies of documentation and refused to reopen and consider claim. After countless attempts to resolve matters with account Bank finally admits to having documentation but time has lapsed in considering reopening the claim. Bank charged off account and has refused to reopen and will not cite reasonable explanation as to why. This is partially retaliatory because I had a federal claim against them for a credit card in 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 2025-06-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I woke up to a series of emails from XXXX letting me know there had been declined transactions, and also two transactions that went through. There were five and all in quick succession. Whoever stole from my account tried to take more than I had stored in my account two times, then they took smaller amounts that were able to go through, then they tried one more time but there wasnt enough left and they stopped. 

I tried to contact XXXX right away on XX/XX/XXXX, but the payments were still pending and I had to wait for them to complete before I could contact them. 

On XX/XX/XXXX the transactions were complete so I used their chat feature to file a dispute. Their help page showed a way to do this on your own, but it doesnt appear to be updated because there wasnt any links to do it myself as they said. But I finally got an agent to help file the dispute. They asked basic questions and filed for me. 

On XX/XX/XXXX I got two emails saying they denied my disputes. This is what the email said : After careful investigation, we've determined that an error has not occurred and the dispute claim has not been resolved in your favor. This decision was made because this transaction was not unauthorized.

I hardly see how this could be careful investigation since I was not asked any follow up questions, it took less than 24 hours, and oh yeah, I didnt authorize these payments. 

On XX/XX/XXXX I called and spoke with an agent to escalate and file and appeal. I was told this could take another 1-2 days. Afraid that I would wake up to another email tomorrow with another denial, I checked to see if this had happened to anyone else and it has. It was suggested that anyone who deals with this should report here as well as appeal asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
Recently while reviewing my Experian credit report, I noticed several inconsistency 's being reported on the same accounts by different credit bureaus. Specifically, I noticed that XXXX was reporting late payments on the below listed accounts- XXXX. XXXX XXXX, Account # XXXX, listing 5 late payments, However Equifax is reporting ALL payments on time 2. XXXX XXXX, Account # XXXX, listing 4 late payments, However Equifax is reporting ALL payments on time. 

I have previously disputed these inaccuracies in the past as it clearly can not be reporting correctly with the inconsistencies and differences being reported, during which time Experian did not do their due diligence and complete a proper and full investigation to correct and or verify the discrepancy 's. The FCRA states that all reported information must be complete and accurate. 

I am also aware that the CFPB has recently sued Experian for failure to properly conduct reinvestigations of disputed information in consumer credit files ; failure to delete inaccurate, incomplete, or unverified information in consumer credit files ; failure to provide adequate written notice to consumers of the results of its reinvestigations ; failure to prevent the improper reinsertion of previously deleted information from consumer credit files ; and failure to follow reasonable procedures to assure maximum possible accuracy of the credit information it reports on consumers. 

As shown above, the reporting on my credit report is still not reporting accurately and they failed to investigate my previous disputes, similar to what they were sued for by the CFBP.

I am again disputing the attached information for the above listed accounts as being reported by Experian, and I am requesting that a full and complete investigation be completed, the information be corrected and verified to show consistent with Equifax that ALL PAYMENTS ON TIME. Additionally, I request a paper copy of my updated credit report be sent to me via mail and an expedited reinvestigation as it is causing me harm financially and affecting my credit scoring with the inaccuracies. 

Please see the attached documentation as accurate proof of Experian 's inaccurate reporting for the above listed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 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, 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 2025-06-18 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: PA

Complaint narrative:
XXXX XXXX is inaccurately reporting an auto loan as a charge-off on my credit report. This loan was paid in full, and I received the title. This is damaging my credit and must be removed. I have already disputed this with the credit bureaus and request your help to delete the account off 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 2025-06-18 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: PA

Complaint narrative:
XXXX XXXX is inaccurately reporting an auto loan as a charge-off on my credit report. This loan was paid in full, and I received the title. This is damaging my credit and must be removed. I have already disputed this with the credit bureaus and request your help to delete the account off 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 2025-06-18 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: PA

Complaint narrative:
XXXX XXXX is inaccurately reporting an auto loan as a charge-off on my credit report. This loan was paid in full, and I received the title. This is damaging my credit and must be removed. I have already disputed this with the credit bureaus and request your help to delete the account off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Obligo Inc.
State: FL

Complaint narrative:
I am being pursued by Bounce AI for a debt related to a property I leased in Florida, managed by PMI XXXX XXXX and originally handled through Obligo. My lease ended on XX/XX/scrub>, 2024. 

According to Florida law ( Chapter 2023-181, Section 83.491 ), a landlord must notify tenants of charges within 30 days of lease termination. In my case, the inspection was conducted on XX/XX/year>2024 ( over 30 days later ), and no timely notice was sent. These charges are therefore invalid and unenforceable. 

I formally disputed the charges with the property manager and Obligo, referencing Florida law and providing evidence ( photos and inspection reports ) showing that some damages were pre-existing. Obligo refused to acknowledge the invalidity of the claim and transferred the case to Bounce AI.

I have now received collection notices threatening to impact my credit. This is illegal and in violation of both Florida landlord-tenant law and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that all collection efforts cease and that this debt not be reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief