vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: OH

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 2025-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
In XXXX of 2024, I had an alarm system installed in my home by a company named XXXX. The maintenance fee came out to approximately $ XXXX. 
As time passed, I noticed more than usual solicitations from a company called Citizens Pay. I thought these were credit card solicitations that I believe I was shredding until I opened one up. I found that these were statements/invoices for a {$6000.00} line of credit with Citizens Pay. There was one charge for {$4000.00} ( line item ) but no detail or explanation for the charge although there was in the upper righthand corner of the statement written, " XXXX XXXX ''. The installment payments set by Citizens Pay totaled approximately between $ XXXX $ XXXX monthly on top of the {$85.00} maintenance fee from XXXX XXXX 
On or about XX/XX/year>, I sent a letter to Citizens Pay regarding this {$6000.00} line of credit that I never authorized, wanted or asked for. I asked for a detailed itemized statement of charges including contracts or agreements that supposedly support the credit line per the Fair Credit Reporting Act. To date, I have received no correspondence from Citizens Pay other than attempted telephone collections, emails for payment and continued invoices. 
My once above-excellent credit is in ruins and now rated as " fair ''..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. 

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX XXXX under the account number XXXX An account opened at XXXX under the account number XXXX An auto loan account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX XXXX under the account number XXXX An account opened at XXXX  XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-29 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : 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 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX XXXX under the account number XXXX An account opened at XXXX under the account number XXXX An auto loan account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX An account opened at XXXX XXXX XXXX under the account number XXXX An account opened at XXXX XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
( 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 redres for these violations. 
+ I want the CFPB to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

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. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
XXXX credit card isn't me I never had one, and XXXX XXXX account on my report And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: WA

Complaint narrative:
Several disputes from the same merchant were credited from the disputes being resolved in my favor. Then Cash app started sending me emails saying that my disputes were paused because I needed to verify my identity and provided a link in the email that was sent to start the process every time I attempted this identify verification, it failed through no fault of my own when I contacted customer service asking for an explanation of this or for them to fix it and send me a new link or find another way they gave me no other resolution and told me they couldnt give me any other information regarding if there was a problem with my photos or my document that I use which was my license they did not refer to any issue or error regarding verification used. I have reached out to them every single day and attempt to a resolution and have not been provided one. I offered additional documentation to verify my identity, but was only told that I was already verified in the app and to just wait they kept on denying my disputes after every identification failure, and then following the email promptly after stating that my account was closed because I did not verify my identity several attempts were made to contact the merchant by phone and through chat and no resolution was found they keep telling me to wait and its being investigated, but they are doing nothing and its been weeks. Continuously failing my identity verification through no fault of my own and then denying my disputes and closing my account is in violation of the electronic funds transfer act. Please also note that since the very beginning of this issue, in the meantime, last six being today they have sent me an email saying that they denied my dispute because of identity verification failure when they were supposed to be fixing and finding a resolution to this and it still happening Customer service is nonexistent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland funding has continuously violated my rights as a consumer. Under 15 U.S. code 1692g in order for them to report on my consumer report they needed to validate said debt with me which never happened. I reached out multiple times requesting information. Ive also sent a cease and deceased yet still they are reporting on my consumer report. In my dispute letter to XXXX it clearly states If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me. 
this was XXXX of XXXX, its XX/XX/XXXX and XXXX is still reporting on my consumer report failure to validate I lawfully owe them anything. 

I will attach the letter I sent to XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian needs to conduct a proper investigation for 2 charges offs reporting on my Experian credit report. I believe there are multiple errors on my credit report that have not been validated according to the FCRA. It is hindering my ability to obtain credit. I attached a letter with my request to delete the charge-offs 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
I have tried to dispute these erroneous account that are on my credit report with all the credit bureaus and nothing was every done to my satisfaction. No proper investigation was ever done and because of this I have suffered undo hardship to my credit fie which has made it very difficult to obtain credit or make essential life decisions such as find better housing for me and my family.

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 2025-01-29 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: CA

Complaint narrative:
I have tried to dispute these erroneous account that are on my credit report with all the credit bureaus and nothing was every done to my satisfaction. No proper investigation was ever done and because of this I have suffered undo hardship to my credit fie which has made it very difficult to obtain credit or make essential life decisions such as find better housing for me and my family.

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 2025-01-29 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Transunion is in violation of 15 USC 1681 ( I ) I am demanding a reinvestigation on these inaccurate reporting on my credit report ASAP. Transunion is furnishing my credit report with inaccurate information and balances which is hurting my credit score.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am submitting this formal complaint regarding Portfolio Recovery Associates , LLC ( XXXX ), which is inaccurately reporting a debt on my credit report. I have attempted to resolve this matter directly with XXXX on three separate occasions by requesting full validation of the debt, but they have failed to provide the necessary documentation. 



Specifically, I requested the following : 1. Proof of Assignments - Documentation demonstrating that XXXX has the legal right to collect this debt, including all agreements between them and the original creditor proving the assignment of the debt. 

2. Validation of the Debt - A copy of the original agreement I allegedly entered into, along with a detailed account history showing how the alleged balance was calculated. 

XXXX. Proof of Ownership/Purchase Agreement - Documents proving that XXXX purchased the debt from the original creditor, including the purchase agreement and related records. 

4. Insurance Claims or IRS Reporting - Information regarding whether an insurance claim was made on this debt and, if it was charged off, whether it was reported to the IRS as a loss, including the original amount written off. 



Despite multiple requests, XXXX has only provided a few credit statements, which do not constitute full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, I believe XXXX is in violation of my consumer rights and is improperly reporting this account to the credit bureaus. 



I am requesting the CFPB to investigate this matter and take appropriate action to ensure XXXX either provides the legally required documentation or ceases reporting this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit reports I noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the info. I am not familiar 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received an email from XXXX XXXX an employee of Radius Global Solutions LLC, a debt cancellation agency, regarding a debt that is over XXXX XXXX XXXX from XXXX XXXX XXXX. I had never heard of Radius Global Solutions LLC nor received any notification that they were attempting to collect on this debt until I got the email. The email also mentioned that I was sent a notice allowing me to validate or dispute the debt. However, I never received such a letter or any form of communication. Additionally, this debt is over XXXX XXXX XXXX, and according to XXXX law in Arizona, they can not continue to collect or sue me due to the age of the debt and the absence of a written contract with the mentioned debt collection agency. I have attached the email that was sent.

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