vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: MO

Complaint narrative:
Experian is reporting an inaccurate and unverifiable collection account from Source Receivables MNG ( original creditor : T-Mobile ) in violation of the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 USC 1681i ( a ) ( 7 ), I requested a method of verification, but Experian has failed to provide verifiable proof. Furthermore, XXXX has already deleted this same account from my credit file due to its failure to meet FCRA accuracy standards. This discrepancy between credit bureaus violates 15 USC 1681e ( b ), which mandates maximum possible accuracy. Experian failure to remove this account is an act of willful noncompliance under 15 USC 1681n. I demand the immediate removal of this account from my Experian credit report and confirmation in writing that it has been deleted. This account was previously marked as Verified and Updated, but my recent dispute now states only Updated. This indicates that no new verification was conducted, which is a violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-04-05 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: NJ

Complaint narrative:
On XX/XX/year> a company called XXXX ( XXXX ) requested to have all negative comments/remarks removed from the Credit Bureaus. However, Equifax and Transunion have not removed it. It has been over sixty days from the date of request. I have reported the companies to the XXXX XXXX XXXX and the CFPB. It appears they refuse to follow instructions. I have filed numerous disputes on their websites to no avail. I am not able to make any purchases at this time, as this negative reporting has been affecting me for a while now. This has caused me nothing but stress. I have been going back and forth with them since XXXX. If this issue is not resolved, I will be obtaining an Attorney. I hope this issue can be resolved.

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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: NC

Complaint narrative:
I am writing to request a reinvestigation of the MILITARY STAR account listed on my credit report. Although this account was paid in full and closed on XX/XX/XXXX, TransUnion is still reporting the account with the status : Payment after charge-off/collection.

Equifax is still inaccurately reporting this account as 120+ days past due as of XX/XX/XXXX, despite the account being paid in full and closed on XX/XX/XXXX. 

This is materially misleading, as the account no longer has a balance, and this language implies ongoing negative standing after resolution. It is also inconsistent with how this account is being reported to the other credit reporting agencies.

Under FCRA 611 ( a ), I request : A full reinvestigation of this account, and A Method of Verification, including : Who verified the account The records used The process followed If the information can not be verified with complete accuracy and uniformity, it must be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
I received {$800.00} from a friend into cashapp on XX/XX/XXXX. I couldn't refund, send, or withdraw the money. I contacted support and was told it had to be escalated to a different support team. On Sunday XX/XX/XXXX I was informed my account was on hold due to an " information subpoena and restraining notice. '' I informed them that I had just been discharged in a XXXX XXXX bankruptcy and even sent them my discharge paperwork. In the email they gave me the name and information of the creditor who had the hold. On Monday, XX/XX/XXXX, I contacted the creditor and had the lien released. Cashapp emailed me at XXXX PM XXXX Monday, XX/XX/XXXX to inform me that they received the release and their hold had been removed from the account. They then went on to say " Please note that your Square and Cash App accounts remain frozen due to other civil notices present on your account. We appreciate you providing us with that information regarding your bankruptcy notice. Our legal team is reviewing the information you provided, so as soon as we get a response from them we will know how to move forward with regards to your accounts. '' I have responded to their emails multiple times and have gotten NO response. They will not give me ANY further information as to what holds exist so that I can contact the appropriate people for release. I have been in touch with support, and their management, who continue to just tell me to " monitor email '' because that is the only way they will be contacting me. My money is frozen and I can not get a reason as to why. I would like the money refunded the sender or released into my account for withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I called and they only tell me that they will contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
the Creditor has charged this account off, or written off the balance. they never sent me a 1099 IRS form for tax purposes. which is in violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA 609, 611, 605B ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws.

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau Reporting : [ XXXX XXXX Equifax XXXX XXXX  specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA 605B ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file.

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe XXXX XXXX and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable.

Violation of My Rights Under FCRA 604 and 609 I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA 609, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability.

Americans with Disabilities Act ( ADA ) I am protected under the ADA due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but may constitute discriminatory practices and cause irreparable harm.

Requested Action : Immediate removal of the disputed account from all credit reporting agencies.

An investigation by the furnisher and a response within the required 30-day period under FCRA 611 .

Written confirmation of the removal and a copy of my corrected credit report.

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor.

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-05 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: VA

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 since 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX 2025, I contacted Citibank to report the unauthorized charges. During my call, I explained that I had not used the card in over a year and could not have incurred the charges in question. I was assured by your Fraud Department that an investigation would be opened and that I would receive a written notice detailing the results.

Despite following up with Citibank twice, I have not received any correspondence or outcome from your fraud investigation team. During these follow-up calls, I also made it clear to your representatives that I would not agree to pay the disputed charges until a proper investigation had been completed and I was informed of the findings.

To add to my concern, I have now received a letter from Citibank implying that my XXXX Citibank account, which I have held in good standing for many years, may be cancelled if I do not pay the disputed amount related to the Double Cash card. This feels not only retaliatory but deeply unfair given the circumstances and lack of communication by Citibank.

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 2025-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-05 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: SC

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 non-monetary relief
Consumer complaint received 2025-04-05 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the inaccurate accounts - 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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Immediate Request for Deletion of Incorrect Collection Account MIDLAND CREDIT MANAGEMENT INC / XXXXXXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint and demand immediate action regarding a collection account that is wrongfully and unfairly listed on my credit report. 

The account in question is being reported by MIDLAND CREDIT MANAGEMENT INC, originally from XXXX XXXXXXXX XXXX. This account is inaccurate and has no valid basis to appear on my credit file. I am requesting its immediate deletion from all credit reporting agencies. 

I was never properly notified of this debt, nor was I given an opportunity to validate or dispute it before it was reported. This failure to follow proper procedures is a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Reporting unverifiable or invalid information is not only irresponsible but unlawful. 

This collection is severely damaging my credit and does not reflect my current financial responsibility. I demand that this matter be fully investigated and resolved without delay, and that this account be permanently removed from my credit reports. 

I expect a timely response and confirmation of the deletion. I am prepared to escalate this issue if necessary. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-04-05 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have received calls from the XXXX XXXX XXXX XXXX XXXX XXXX. I have missed most calls, as they always reach out during my work hours but I do attempt contact back at my earliest convenience. My first voicemail received from whomever is my account manager was extremely rude and confrontational. You need to call me back right now so we can discuss this debt. I have attempted calling him back at least XXXX times, and have not yet spoken with him. I spoke with another representative who advised me that they were willing to make a settlement on the balance, however the account manager is the only XXXX who can do so. The account balance is also being reported as XXXX higher than it should be. I have left messages for him to call me back, left multiple inquiries on their website begging for proof of debt and a place to make payment to progress the account. I have gotten nothing from them, the account manager chooses not to call me back and never answers the phone when I call. No one else can help me beyond general information, and this issue has caused me to become permanently homeless. I can not resolve the debt, verify it, or get any beneficial information on it. Theyve completely blocked my access to this account, and my life is becoming increasingly difficult because of it. Not a single person will rent to me and with not even reporting the correct total balance, this has completely ruined my life.

Company response to consumer: Closed with explanation