vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
XX/XX/year> NCB Management Service , INC XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Alleged Debt and Demand for Immediate Action Under 15 U.S. Code 1681c To Whom It May Concern, I am formally disputing the validity and reporting of the debt you have claimed against me, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681c ( a ) ( 4 ) and 1681s-2, as well as the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

The debt you claim is either : 1. Inaccurately reported, outdated, or unverifiable, 2. Barred from collection or reporting under 15 U.S.C. 1681c, which prohibits inclusion of debts beyond 7 years ( or 10 years for bankruptcies ), 3. Not validated, as required by law, despite prior demands, 4. Reported in violation of my rights, and as such, constitutes willful and negligent noncompliance with federal statutes.

YOU ARE HEREBY DEMANDED TO : 1. Cease all collection efforts immediately until proper validation is provided, as required by 15 U.S.C. 1692g ( b ).

2. Provide complete verification of the debt, including : The name and address of the original creditor, The full accounting of the alleged debt, A signed copy of any original agreement bearing my signature.

3. Cease and desist all reporting of this alleged debt to any consumer reporting agency until the matter is fully resolved.

4. Remove any item from my credit report that is beyond the allowable reporting period under 15 U.S.C. 1681c.

Be advised : you are now on notice. If you continue to report, collect, or fail to respond appropriately within 30 days, I will not hesitate to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney General And I will pursue civil litigation for statutory and actual damages, attorneys fees, and punitive damages under 15 U.S.C. 1681n and 1681o.

Let this serve as your final warning. You are legally obligated to investigate and respond, and failure to do so will result in swift and appropriate legal action.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive already filed a complaint with XXXX, but Truist is a problem too, its where I have my bank account through, there was {$22.00} sent on XX/XX/year>, through XXXX, it said it was from a fraudulent source. I have no idea about the source. 

Because Truist only uses XXXX, as most banks do. I now cant transfer money to my wifes or mothers bank account. I cant do any business anymore, and Truist does nothing about it. They continue to use XXXX, whos a monopoly, who has many complaints about the same situation.

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 2025-05-28 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-28 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: PA

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-28 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App : The total for your transaction at XXXX XXXX has been updated from {$1.00} to {$1.00}. 
Me : That machine is charging a surcharge for the use of a debit card without posting a surcharge warning I agreed to pay the fee for my soda. How can the vendor charge the agreed upon price and then increase the price {$.00} without letting me know. CashApp made the decision to accept the vendors price increase after the sale. Heres an example : I go into XXXX * XXXX to buy a pair of pants for {$59.00} and I use my XXXX * XXXX card. Unbeknownst to me, XXXX * XXXX contact its credit card division. They decided that I should pay an additional fee for the pants. Much to my surprise they increase the price for the pamts to {$89.00}. I didnt agree to pay that price Is it fair to increase the price after I paid for the item?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX: TransunionXXXX: XXXX XXXX Disputes of Inaccurate XXXXReporting under the FCRAXXXXAccount Number: XXXXI am writing to formally dispute inaccurate credit information reported by XXXX XXXX XXXX regarding my FHA mortgage account ending in XXXXAccording to my credit report, XXXX XXXX has reported a 30-day late payment for XXXX XXXX I believe this information is inaccurate for the following reasons:XXXXThe mortgage account was paid in full and closed by JXXXX XXXX, as acknowledged in the reported status.\n\nMy records indicate that no payment was more than 30 days late during the period in question.\n\nIf a payment was received late, it was within the grace period or corrected before it became 30 days delinquent, and should not have been reported as such.\n\nIn accordance with the Fair Credit Reporting Act (FCRA), I am requesting the following:\n\nA reinvestigation into this matter, and\n\nCorrection or removal of the inaccurately reported late payment from my credit file.\n\nPlease provide written confirmation of the results of your investigation within 30 days, as required under FCRA 611.XXXXThank you for your prompt attention to this matter.\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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In early XX/XX/year>, I believe, I was communicating with someone, posing as a " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  (? ), using what I thought was a legitimate website, XXXX. I also used, " XXXX to possibly convert my " profits '', from crypto to USD. I was conversing with " him '', as well as an " XXXX XXXX XXXX '', who claims to be related to a prominent person in XXXX, with the same surname, referred to me by a " XXXX ''. " XXXX '', encouraged me to " invest '' with " XXXX ''. All of these exchanges were done through XXXX, which was their insistence, since it is encrypted. I still have these exchanges on my cell phone. I was promised, big returns, and suggested to " invest '' " a lot '' ; money ; prior, I was asked to send a photo of me with ID, of myself ; first I transferred {$10000.00}, from my bank, Citibank, on,, XXXX XXXX XXXX, XXXX XXXX, New York on XX/XX/year>. Those at Citibank, did not ask me any questions concerning the legitimacy of the recipients of my transfer, names of the individuals, banks, my reasons for transferring large sums of money, etc. They proceeded with no concerns for me, their customer whatsoever, no desire to protect my interests. I saw some '' profit '', which was actually, not " profit '', since the website " XXXX '' was not a legitimate website, a phony one. Then, I was encouraged to " invest " more money, actually more then I did this time ; initially encouraged to " invest '', {$150000.00}, but I decided to " invest '', /transfer, {$50000.00} instead, on XX/XX/year>. At this point, I got very concerned, and requested that I takeout my " profits '', which were not real, or actual, and needed assistance from " XXXX '', and I got push back, from " XXXX '', " well this is not my job '' .., etc, '' stating essentially that i am on my own ; well, I panicked and didn't know where to turn, which brings me to my current situation. I have attached documentation of all of the transfers, as well, as a rebuttal letter to Citibank, and a demand letter. If you need any more information from me, please let me know, thank you, 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 explanation
Consumer complaint received 2025-05-28 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: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
No wet signature was provided as proof that debt belongs to me .or proof that I have consented to a contract owing midland credit management any money. Per the BLILEY ACT FROM XXXX ALSO KNOWN AS THE FINANCIAL SERVICES MODERNIZATION ACT. Financial institutions are required to protect my private information by notifying me of there privacy policy. They have to provide me with the opportunity to prohibit the sharing of my personal information by obtaining MY CONSENT before sharing with other entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-28 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This is a follow up to : XXXX the company said was investigating and closed it without providing a reason, nor prove that these charges are someting legit, or I agreed. 

Amex does not protect customer, they just validate transactions, and most schemes are a bit more complex than validity of transaction, for example when they sell you cat for rabbit. The issue or issues is the inaccuracy of of charges, and possible duplicates. These are the facts : I made a reservation for a car via XXXX to confirmation number XXXX for a car at XXXX via XXXX. The reservation is for Saturday XX/XX/XXXX, to Wednesday XX/XX/XXXX. Notice the car was returned Tuesday night. The total was XXXX. They refused to honor the reservation. They offered an alternate tariff, that had some mandatory insurance which made the total XXXX. When I check my American express I had not one but two charges, very different than what was agreed : Snip of contract total : Then I got not one but two questionable charges on XX/XX/XXXX. Notice that the date is XX/XX/XXXX XXXX XXXX I dont know how to explain this. Apparently both have extra fees, things like cleaning/gass.. Mileage is not a problem, as I did not drive a lot. But only if you add an extra day you get to XXXX as gas is not like XXXX a gallon, and adding extradays would make up XXXX ( the car was returned the day before ). It is a bit more than a duplicate. And amex does not investigate anything, or waste time even understanding. I wasted my time explaining multiple times this problem, and you just keep charging my card despite claiming that you protect the customer, and this is not genuine, I should not be responsible for moneys I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Multiple companies have accessed my credit report without my authorization, resulting in negative effects on both my credit profile and credit score. I previously contacted the credit reporting agency regarding this issue, and a representative assured me that these unauthorized inquiries would be removed. Despite that assurance, they remain on my report. These potentially fraudulent inquiries are highly alarming and raise serious concerns about possible identity theft. This ongoing issue continues to cause me significant stress and is further undermining my financial stability.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
Everyday they call. I ask for a 1099c. I ask them to validate this account and they hang up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 2025-05-28 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: MA

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 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