vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I wanted to receive state benefits titled '' Louisiana Revised Statutes XXXX limits the interest rates that creditors can charge to active duty military personnel and their spouses. This statute applies to obligations entered into on or after XX/XX/2005. '' Given I am an XXXX XXXX service member that has a home of record for Louisiana. The credit card company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that! have paid in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has reported wrong negative items on my Credit profile, as well as not properly investigating my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian has reported wrong negative items on my Credit profile, as well as not properly investigating my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> XXXX funding started to attempt to collect a debt of {$660.00} from me on an account that was placed in collections. They are not the original creditor, and the original creditor charged the account off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$430.00} XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$94.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: LA

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. 

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 , has violated my rights . 

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. 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 ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX Incompetent supervisors refused to assist, he said his supervisor was XXXX He refused to assist in getting me online access I told him I would submit a CFPB complaint and he did not care at all. 
I still dont have access to it. 
I was on a phone call over one hour wasting my time and this employee has not respect for customer time I indicated I want his supervisor be aware of the situation and that I will provide complaint number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Beginning on XXXX XXXX of this year, I submitted a notarized affidavit to Bank of America requesting that they provide a validation- instead of a verification- for two accounts they allege I have outstanding balances on. More specifically, I was formally requesting a full accounting disclosure under applicable consumer protection laws and banking regulations, includingbut ot limited to : Regulation Z ( TILA ) ; GAAP ; FCBA ; etc. When they failed to respond, I submitted a followup request to their corporate leadership via email, but to no avail.I then submitted another certified letter on XX/XX/year> to their legal department, and still received no response. Then, on XX/XX/year>, I sent another notarized, certified letter in which I made a FOIA request. One copy was sent to Bank of America Trust, while the other was sent to their corporate leadership. However, to date, Bank of America has refused to provide me with the requested documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
On XXXX I received notice from Cash App that my account has been closed due to " Gambling Activity '' I called customer service and ask for a specific transaction & if they would review my account while we were on the phone & pinpoint a transaction. I was told that they couldn't but that I could file an appeal. 
My response was ; how can I file an appeal if I can't defend a specific transaction? 
My concern is that an account can be arbitrarily closed with a statement from who? An opinion from who? But most of all no specific transaction to defend on an appeal. Please note : I do not gamble.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MA

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 XXXX USC XXXX. 
XXXX XXXX, has violated my rights. 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : account closed late payment : XXXX XXXX - XXXX, XXXX, XXXX, XXXX XXXX Creditor Name : XXXX XXXX Account Number : XXXX Issue : late payment XXXX XXXX, XXXX XXXX Creditor Name : XXXX Account Number : XXXX Issue : XXXX  XXXX U.S.C XXXX section XXXX A States I have the right to privacy XXXX U.S.C XXXX section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX U.S.C XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX ( c ) 2 Delete Charge Offs XXXX XXXX XXXX and XXXX XXXX XXXX ( b ) Late payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Notice of Dispute Unauthorized Debt Account Number : XXXX To Whom

It May Concern, This letter is being sent to you in accordance with my rights under the Fair Debt Collection Practices Act, 15 U.S. Code 1692. I am formally disputing the validity of the debt you claim I owe and requesting full validation of said debt.

I have no knowledge of, nor did I provide consent to, any such debt allegedly owed to your agency or any associated original creditor. I believe this claim is either in error, fraudulent, or otherwise unauthorized. Pursuant to 15 U.S. Code 1692g, I request the following : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, with a breakdown of all fees,
interest, and payments applied ; 3. A copy of any agreement bearing my signature, proving that I agreed to the debt in question ; 4. Proof that your agency has legal standing to collect on this debt or file suit on its behalf. 

Under federal law, you are required to cease all collection efforts and provide the requested validation before proceeding further. This includes halting any legal action currently being pursued. Failure to comply with these requirements is a direct violation of the FDCPA and may result in legal action being taken against your agency.

Additionally, please be advised that I am keeping detailed records of all correspondence related to this matter. I request all future communication be in writing only. 

If you continue to pursue this matter without providing proper validation, I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau, my state attorney general, and other relevant regulatory authorities. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
, On XX/XX/XXXX of this year all of these late payments were inserted onto my credit report. None of them existed prior. Equifax refuses to speak to me on the phone about this matter or refuses to respond to mail or emails. I am also giving you a letter from the bank, which says I had no late payments l

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint Type : Credit Reporting / Identity Theft Company 1 : XXXX XXXX  XXXX 2 : XXXX XXXX XXXX Credit Bureau : TransUnion, Experian Summary for CFPB Submission : I am filing this complaint against XXXX XXXX  and XXXX XXXX XXXX regarding fraudulent accounts that are inaccurately reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Despite submitting a valid police report, identity verification documents, and written requests for deletion under FCRA 605B, both companies continue to assert that I am liable for debts I did not authorize or open. 
XXXX XXXX  has responded to multiple disputes ( CFPB XXXX XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) but refuses to remove the account, claiming I contacted them by phone and that my name and email match their records. However, these are insufficient to establish liability under the FCRA. They have failed to provide supporting evidence such as IP logs, phone recordings, or signature verification. XXXX also refuses to acknowledge the validity of my police report, even though their obligation under 605B is clear. 
XXXX XXXX XXXX is reporting an account on my TransUnion file that I did not open. I have no knowledge of the original debt, and it appears to have been sold or transferred without my consent. I have sent similar 605B requests to them and the credit bureaus. 
These companies are knowingly reporting fraudulent information, refusing to block accounts in violation of FCRA 605B, and subjecting me to continued harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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 2025-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a credit card offer from Berkshire Bank in Massachusetts and was approved.Very good terms and large balance transfers offered as part of the transaction action also to told l would be allowed to do a balance transfer of over {$5000.00} but I didn't have the information at the time. 
Several days went past and XXXX XXXX XXXX only approved me a credit limit of $ XXXXMy credit score is XXXX l have no late payments or judgements. 
I accuses both the bank and XXXX XXXX of false advertisement and consumer fraud and wish an investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: MS

Complaint narrative:
They closed my cash app account with no warning or anything I've been doing the same charges on my card for years and they close my account why didn't they close it years ago if I was doing something wrong with my account

Company response to consumer: Closed with explanation