vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Absolute Resolutions Investments LLC for their unlawful and unethical attempts to collect on a debt. Their actions have blatantly violated the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws, causing undue distress to me and my household.

Despite my clear rights as a consumer, Absolute Resolutions Investments LLC has engaged in the following unacceptable practices : 1. Harassment Through Inappropriate Contact They have repeatedly contacted me before XXXX XXXX  and after XXXX XXXX, violating FDCPA regulations. 
XXXX. Sending Strangers to My Mothers Home Representatives from this company have been dispatched to my mothers residence, making direct contact with visitors, guests, and even my children, who were understandably alarmed by these encounters. 
XXXX. Failure to Protect Sensitive Information On one occasion, they left an unsealed envelope containing sensitive financial records outside of my mothers home. Even worse, they falsely reported that these documents were signed and accepted for delivery, creating a serious privacy and security risk. 

To address this issue, I sent a cease and desist letter on XX/XX/year>, demanding that all further contact cease immediately. Despite this, their actions have continued, ( more than 30 days later ) further demonstrating their disregard for consumer rights and legal obligations. 

Furthermore, I am formally requesting that Absolute Resolutions Investments LLC remove all dispute remarks related to this account from my credit profile. Their conduct has caused significant emotional and reputational harm, and I demand corrective action be taken immediately.

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and hold Absolute Resolutions Investments LLC accountable for their blatant violations. Please confirm receipt of this complaint and provide updates on any actions taken against them.

Thank you for your time and assistance in addressing this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Im frustrated by the inaccuracies on my report that are unfairly hurting my scores and costing me opportunities. These errors have led to rejections, higher rates, and setbacks I dont deserve. Its beyond frustrating to be held back by mistakes that shouldnt be there.

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 2025-02-18 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: AZ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights . 


I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-18 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: SC

Complaint narrative:
I'm XX/XX/XXXX so I paid a lump some payment and asked for my payments for the next 3 months to be paid so my next due date would be 3 months later and the remainder applied to the principle. The loan company put all of the amount towards my principal balance which threw me 3 months late and they refuse to fix it. So my vehicle was up for repossession for the last year and a 1/2 that I had the loan. Additionally, that caused my credit rating to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: SC

Complaint narrative:
I'mXX/XX/XXXXso I paid a lump some payment and asked for my payments for the next 3 months to be paid so my next due date would be 3 months later and the remainder applied to the principle. The loan company put all of the amount towards my principal balance which threw me 3 months late and they refuse to fix it. So my vehicle was up for repossession for the last year and a 1/2 that I had the loan. Additionally, that caused my credit rating to suffer.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm XX/XX/XXXX so I paid a lump some payment and asked for my payments for the next 3 months to be paid so my next due date would be 3 months later and the remainder applied to the principle. The loan company put all of the amount towards my principal balance which threw me 3 months late and they refuse to fix it. So my vehicle was up for repossession for the last year and a 1/2 that I had the loan. Additionally, that caused my credit rating to suffer.

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 2025-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Hello, I am writing to formally address the recent closure of my Comenity Bank credit account associated with XXXX, which I was made aware of through a notification on XX/XX/XXXX. The notification, received via email from my credit union and XXXX XXXX, indicated that my accountopened on XX/XX/XXXX, and my oldest line of credithad been closed due to " no activity. '' I was neither notified nor given an opportunity to take action before the closure. As a paperless customer, I did not receive any communication via phone or email regarding the impending account closure. Had I been informed, I would have promptly made a purchase to maintain account activity. This closure has negatively impacted my credit score, despite my continuous efforts to build and maintain good credit standing. 

Upon contacting customer service, I was transferred multiple times before reaching a representative who informed me that my account was officially closed on XX/XX/XXXX. Additionally, she mentioned an app called " Bread, '' which I was previously unaware of. I have always managed my payments through the XXXX  app, which connects directly to Comenity Bank, and because I do not carry a balance, I had not received any alerts regarding inactivity. 

I believe I should have been given prior notice before my account was closed, as this has significantly impacted my credit history and financial standing. Given these circumstances, I respectfully request the reinstatement of my original account along with the restoration of my credit history. I value my relationship with Comenity Bank and would like to continue utilizing my account as an active customer. 

Please advise on the necessary steps to resolve this matter. I appreciate your prompt attention and look forward to your response. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
CASH APP has randomly closed my account the day after I made a purchase on XXXX XXXX XXXX I went to log into my account and I was unable to access my account, and funds for the amount of {$150.00}. Ive seen that cash app has a settlement with the CFPB about multiple problems. Im not sure if I missed the deadline but I would like to take the steps to getting my money back. I spoke with customer service and gave them the information they needed. Theyre supposed to be investigating and contacting me via email. I believe this may be fraud on their part because they tried to tell me that I closed the account myself after sent the remaining balance to a card that I dont own. Nobody has access to my phone or information except me. The time they gave me that my account was closed was XXXX XXXX XXXXXX/XX/XXXX, I had my phone with me. My email thats linked to my closed account always notifies me whenever I receive or send money, link or unlink any bank card/account, and anything pertaining to my account. I truly believe that theyre taking peoples money and closing their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I reached out to Nelnet unsuccessfully and disputed items from my credit report as it caused my points to drop by XXXX. The issue is I have never applied to any of the schools that they have me for nor was I living in the area where the schools attended. I have provided in the dispute my FTC complaint number and the case number for the police report I filed back in 2011 when I lost my wallet. I believe that when I lost my wallet that included everything from my ID, credit cards and social security number that it was used to obtain not only credit cards, loans and medical procedures but now student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
Original Complaint # XXXX Subject : TransUnion Reinserted a Previously Deleted Account Without Notice ( FCRA Violation ) Complaint Details : I am filing a complaint against TransUnion for reinserting an account from XXXXXX/XX/XXXX onto my credit report without proper notice and without valid verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). Company Reporting the Account : XXXXXX/XX/XXXX Account Number ( Last 4 Digits ) : XXXX Date of Original Removal : XX/XX/year>2024 ( Exact Date Unknown ) Date of Reinsertion : XXXX 2024 ( Exact Date Unknown ) FCRA Violations by TransUnion : No written notice of reinsertion was provided within 5 business days, as required by law. No proof of verification was given before reinsertion. The account was previously disputed and removed, meaning it should NOT have been reinserted unless new verifiable proof was provided. Requested Resolution : Immediately remove the XXXX XX/XX/XXXX account from my TransUnion credit report. Provide written confirmation of removal within 10 days. Explain the verification process used for reinserting this account. If this issue is not corrected, I will escalate further, including exploring legal options for willful FCRA violations, which can result in statutory damages.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TN

Complaint narrative:
Subject : Dispute of Debt Request for Validation Dear Sir/Madam, I am writing to formally dispute the debt listed under my name in your records and request validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The details of the debt in question are as follows : Account Number : [ Insert Account Number ] Amount of Debt : [ Insert Amount ] Date of Debt : [ Insert Date ] As per the FDCPA, I request that you provide the following within 30 days of receipt of this letter : 1. Proof of the debt : A copy of the original signed agreement or contract that created the debt.

2. Itemized account statement : A detailed breakdown of the amount owed, including principal, interest, and any fees or charges added to the account.

3. Verification of your authority : Proof that you have been authorized to collect this debt on behalf of the original creditor.

4. Complete payment history : A full account history showing all payments and adjustments made.

In accordance with 15 U.S.C. 1692g ( b ), please be advised that until you provide verification of this debt, I request that you cease all collection activities, including reporting this debt to credit bureaus. Under the FCRA ( 15 U.S.C. 1681i ), I also request that you remove any incorrect or unverifiable information regarding this debt from my credit report.

I understand that you are required to investigate and respond to my dispute within 30 days. If you fail to provide the required validation, I ask that you promptly cease any further collection actions related to this debt and remove any negative reporting to credit bureaus.

Please confirm receipt of this letter and provide an update on the status of my dispute.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XX/XX/XXXX acct # XXXXXX/XX/XXXX acct # XXXX, XX/XX/XXXXXX/XX/XXXX acct # XXXX,XX/XX/XXXX acct # 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 2025-02-18 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: FL

Complaint narrative:
This is not an error or misunderstanding. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have come across these discrepancies multiple times, and despite my efforts to resolve them, they continue to persist. This situation is extremely distressing and has caused me significant XX/XX/XXXXandXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
Three collection agencies are responsible for medical bills on my Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
This is not an error or misunderstanding. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have come across these discrepancies multiple times, and despite my efforts to resolve them, they continue to persist. This situation is extremely distressing and has caused me significanXX/XX/XXXX and XX/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