vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I have a destiny Mastercard and Ive always had my payment info saved so automatic payments in the minimum amount needed would be taken out. I did this same practice with destiny Mastercard. They kept my card info on file and did not make the automatic payments as requested. Ive called multiple times regarding this and seem to get nowhere. They mention I needed to call in each time to push my payment through even though I was told I could save my account payment info with them for due payment. I would like these late payments completely removed as they do not accurately portray my credit history whatsoever. Furthermore in frustration I still gave destiny the opportunity to do the right thing and they have not. I payed my balance in full and had the card closed. I found that to be the only option dealing with a creditor willingly reporting false information. Please have these items removed from my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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 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 XXXXXX/XX/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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
i made a payment arrangement and the account was bought current.

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 2025-02-03 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:
Here is your formal complaint letter, updated with your personal information : Subject : Formal Complaint Failure to Conduct a Reasonable Investigation of Credit Dispute To Whom It May Concern, I am filing a formal complaint regarding Experians failure to properly investigate inaccuracies in my credit report. Despite my timely disputes and submission of supporting documentation, [ Experian/XXXX  ] has repeatedly responded within an unreasonably short time frame, stating that the information is accurate without providing any evidence of a thorough investigation. 

This conduct violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to : Conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Review and consider all relevant information provided by the consumer ( 15 U.S.C. 1681i ( a ) ( 4 ) ).

Provide results of the reinvestigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ). 

Additionally, failure to conduct a proper reinvestigation may constitute a violation of the Consumer Financial Protection Act ( CFPA ) under 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), which prohibits unfair, deceptive, or abusive acts or practices in consumer financial products and services. 

I demand that [ Experian/XXXX  ] immediately conduct a proper reinvestigation in compliance with federal law. If this matter is not resolved appropriately, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue all available legal remedies. 

Please provide a written response detailing the steps taken to investigate and correct the disputed information. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Cease and with this Debt Collector for Violating the FCRA Laws. Also inaccurately reporting a collections account with balance is a direct Violation of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 

XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX XXXX : {$610.00}

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 2025-02-03 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: MI

Complaint narrative:
I am profoundly concerned about the inclusion of the following information in my credit profile. It seems that the credit bureaus may not have diligently maintained procedures to ensure the utmost accuracy in the credit reports they generate. It is imperative that credit reporting laws are upheld, which mandate the reporting of entirely accurate credit information. Therefore, I earnestly request a comprehensive re-investigation with the intention of having the following informtion removed. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). 

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$320.00}

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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year> ALDOUS AND ASSOCIATES XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Debt Validation Dear ALDOUS AND ASSOCIATES, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. 
The details of the debt in question are as follows : Creditor Name : XXXX XXXX Amount : {$95.00} In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. 
o The name, address, and contact information of the original creditor. 
2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. 
o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied. 
3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome. 
Please confirm receipt of this letter and provide a written response within 15 days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
I am writing to formally dispute negative information that has been reported to consumer reporting agencies regarding my credit history. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681s-2 ( 7 ), any financial institution that furnishes negative information to a consumer reporting agency must provide notice to the consumer either before or within 30 days of furnishing such negative information. 

As per the FCRA requirements : ( A ) Notice to consumer required : ( i ) In general - If any financial institution that extends credit and regularly furnishes information to a consumer reporting agency furnishes negative information regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions - After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I request that you provide me with copies of all notices that were sent to me regarding the furnishing of negative information to consumer reporting agencies in accordance with the FCRA. Specifically, I am requesting documentation of notices sent prior to or within 30 days of reporting the following negative information : [ XXXX XXXX XX/XX/year> ] Please consider this letter as a formal dispute of the negative information reported and provide the requested documentation within the time frame mandated by law. If the required notices were not provided as stipulated by the FCRA, I request that the negative information be promptly removed from my credit reports with all consumer reporting agencies. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TX

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I On XXXX XXXX  XXXX XXXX  received a letter regarding a dispute claim re {$44.00} charged under credit card XXXX XXXX XXXX. Strangely it is addressed to a XXXX XXXX which letter indicated that a followup re resolution of the dispute will be sent by XXXXXXXX XXXX XXXX  does not know a XXXX  XXXX Additionally a letter dated XX/XX/year> was sent to M A re closed credit card ending in XXXX and its replacement by XXXX which new card we never received physically nor do we even know its full account number. All we know that without informing us after credit card XXXX was closed after I disputed a charge on that credit card for {$44.00} Wells Fargo opened this credit card ending in XXXX and transferred herein the disputed amount of {$44.00}. It appears that after Wells Fargo closed XXXX it revived it giving it a new card number ending in XXXX. Further while in dispute Wells Fargo started charging us interest as well as late payment charges for this disputed claim of {$44.00}. Wells Fargo also blocked us for weeks from accessing all our accounts : checking and savings unrelated to this dispute. This is despicable and especially confusing business practice exemplified by a note on its letter as follows. The entire letter will be uploaded.

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 2025-02-03 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: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: WI

Complaint narrative:
As per the completed complaint XXXX XXXX XXXX took my full pay off amount for all my loans in XX/XX/year> by cashing the check I had sent to them. They proceeded to lose my deposited check and sat on my money for 4 months while marking my loans as delinquent. Experian is refusing to remove the delinquency status from my credit report. The loans are all paid off now ahead of time as XXXX finally found my check as they admitted in my previous complaint. I should not have been expected to essentially double pay the loans I had with XXXX  especially after I sent them a {$5000.00} check.

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 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
On or about XX/XX/year>, I applied for and received a small additional loan of {$500.00} from Mariner Finance at their XXXX, FL office. I worked with 2 separate associates over the telephone to make arrangements to transfer the {$500.00} to my checking account. The first associate, who was a young XXXX XXXX, argued and interrupted me with me so much that I told him, " Dude, why are you fighting with me? ". He then said I was being disrespectful for calling him " Dude '' and said that he is withdrawing the loan. I then called back and spoke with another associate, and this time spoke with a young XXXX female, who basically started an argument this time and said that she is withdrawing the loan for me being rude, despite no foul language being said or bad behavior from me. I spoke with the regional manager, who simply said, " They are very experenced and we have never had problems like that before. '' and assigned my loan to another office. I said that this is probably some kind of violation, since people who are basically clerks can't instigate fights with people and then withdraw their loans. There was no corrective action that I know of other than going through a different branch with different people. 

This was just an abuse of power and an abusive experience. I also had a similiar experience with my first loan, so this is a chronic problem with this office and company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX, I am writing to you in regards to the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the following accounts as soon as possible.

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