vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by XXXX XXXX XXXX has a balance of {$8900.00}. Despite the account remaining on my credit report, I have not received a Form XXXX ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required XXXX form raises questions about the validity of the debt and compliance with federal regulations.

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 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Debt collection agency from a rental unit is trying to collect on something that I had already contested with the rental group- XXXX. They call at all hours, harass, have no proof that I owe the money. I contested the incident as they claimed i broke an appliance but had no evidence that was broken. I did this within the time limit required and was not given a response instead they sent the request to a debt collection agency who harasses me nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I added funds to my Coinbase account and wanted to use cryptocurrency to transfer to another service ( XXXX ) but haven't been able to use Coinbase for anything. I then tried to transfer my money back out of Coinbase but withdrawals from the account are XXXX. The error I receive says I can't add a payment method for withdrawals in my region even though I live in the US and have not used the account outside of the US. I have contacted Support several times since XXXX about the issue but they haven't been helpful. My account is still restricted. I have done nothing with the account aside from initially depositing funds into it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
I am writing to formally request the removal of multiple unauthorized inquiries from your company that have appeared on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
My TransUnion credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. My report reflects inaccurate late payment remarks for XXXX XXXX XXXX XXXX XXXX which must be thoroughly investigated and corrected at once.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my lawfully leveraged consumer compliant. I have retained a record of your receipt and proof as well of the exact date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Debt Collection procedures and or processes Act Section 807 ( 8 ), the mandatory metro 2 formatted reporting standard ( s ) of compliance and others even by your deficiencies and also by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified adequately, provable as and or is plain and simply entirely inaccurate and incomplete and represents a very serious error in your reporting.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my lawfully leveraged consumer compliant. I have retained a record of your receipt and proof as well of the exact date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Debt Collection procedures and or processes Act Section 807 ( 8 ), the mandatory metro 2 formatted reporting standard ( s ) of compliance and others even by your deficiencies and also by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is undeniably not certified adequately, provable as and or is plain and simply entirely inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AK

Complaint narrative:
Synchrony continual unwillingness to process payments Synchrony Bank repeatedly demonstrates an unwillingness to process payments on XXXX of my accounts ; XXXX XXXX  account XXXX  and XXXX  and now XXXX XXXX XXXX XXXX over the last XXXX or 3 years. Its a pattern. The delay tactics include XXXX. Repeatedly not sending a monthly bill XXXX. Omitting envelopes on their bill, when one arrives and XXXX. Not processing a payment even when you call on the phone. Why would a bank not process an incoming payment? They are either incapable or unwilling. 
I wrote the XXXX  ( attached ) and the company seems to deny I called to make a payment.? 
In case XXXX above ; I called the number on the back of the XXXX XXXX card, the machine said it knows my name and has my card number but it failed and I was sent to an agent who would not process the payment. See XXXX  documentation. It seems implausible a rep cant process the payment so theyre unwilling to. 
Can you please find out why they wont process my payments and have any late fees removed? Ive had to make a double payment this month because of their negligence. This is causing financial harm. Any help is greatly appreciated. Sincerely 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a formal dispute against Experian regarding inaccurate and outdated information present on my credit report. As a federally protected consumer under the Fair Credit Reporting Act, I have the right to fair, accurate, and up-to-date reporting. However, my credit file currently contains incorrect personal details, including my address and employer, which I did not provide and do not recognize, or outdated. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, and my current employer is XXXX XXXX XXXX. I am unaware of the source of the incorrect information reflected in my report, but this false data has caused significant damage to my credit score and overall financial standing. The presence of inaccurate information raises serious concerns regarding the integrity of my credit file, and I will not tolerate continued negligence in maintaining accurate consumer records. Under the FCRA, Experian is legally required to ensure that consumer reports are accurate and free of unauthorized, outdated, or incorrect information. Therefore, I demand the immediate removal of all erroneous details from my credit report. Failure to uphold these legal obligations violates my consumer rights, and I expect immediate compliance with my request.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicing Solutions, LLC
State: NV

Complaint narrative:
Complaint Against Servicing Solutions , LLC and XXXX for Inaccurate Credit Reporting To Whom It May Concern, I am filing a formal complaint against Servicing Solutions , LLC and XXXX regarding the inaccurate verification and reporting of an account that does not exist in Servicing Solutions system. 
On XX/XX/year>, at XXXX XXXX, I contacted Servicing Solutions , LLC to obtain information about an account that was supposedly verified by XXXX and reported on my credit file. However, after multiple inquiries, Servicing Solutions stated that they could not locate any record of such an account in their system. This raises serious concerns regarding XXXX verification process, as they have allegedly " verified '' an account that the original creditor does not even recognize. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. In this case, XXXX has failed to uphold this obligation by verifying an account that does not exist, thereby violating my rights under federal law. Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), any inaccurate or unverifiable account must be promptly removed or updated. 
I am requesting the following actions be taken immediately : 1. XXXX must update the account to reflect a XXXX balance and remove any negative reporting associated with it and closed paid as agreed. 
2. Servicing Solutions , LLC must provide a formal response confirming that they have no record of this account. 
3. A full investigation must be conducted to determine how XXXX was able to " verify '' an account that does not exist within the creditors system. 
This misreporting has caused undue harm to my credit profile, and I demand immediate corrective action in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved in a timely manner, I will consider escalating the matter further, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Many of times my money that was on my account disappeared or got scammed. Every time I have tried to get my money back I cant get any help! Of course the people who scammed my account isnt going to return what is owed to me. No customer service and cash app never helped with any money or personal info getting leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-04 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-03-04 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Washington Trust Bank Financial Corporation
State: ID

Complaint narrative:
Credit Card Account has been paid off and closed. Still showing up as open account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
Midland Credit Management has sent me several letters threatening to take legal action against me for a debt that they alledge that they purchased from XXXX XXXX  XXXX XXXX  XXXX. I have answered their letters several times via Certified Mail, disputing the amount owed and offering reasonable settlement. I have sent mail to both their Michigan and California locations.They continue to ignore my responses and keep sending me letters stating that they have tried several times to reach me but haven't received a response, and threaten legal action against me. I recently sent them another letter via Certified Mail on XX/XX/year>, informing them again that I have indeed responded several times and that I will officially file complaints against them with all appropriate agencies, due to their unfair and misleading practices. This was in response to their most recent notice, dated XX/XX/year>, marked as their Final Notice before legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. My report reflects inaccurate collections and charge-offs, including XXXX ( XXXX, {$5200.00} ), XXXX ( XXXX, {$810.00} ), XXXX  ( XXXX, {$160.00} ), and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$720.00} ). These errors must be corrected immediately.

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