vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute on Capitol One XXXX due to the account being inaccurate. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and XXXX! Please take action and remove them from my credit report asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good Evening I am submitting a complaint against Citibank Best Buy Retail Services due to over charged interest on a deferred purchases dated XX/XX/year> - {$460.00} and XX/XX/year> for {$480.00}. 

The total amounts increased due to added amounts total purchases {$170.00} ( {$460.00} ) and {$520.00} ( XXXX ) for a total of {$440.00} in interest charges. 

The balances subject to interest changed to {$590.00} ( interest charge {$170.00} ) and {$660.00} ( interest charge {$180.00} ) In addition, a payment was made in the amount of {$120.00} on the deferred purchase of {$460.00}. 

Your assistance with this Citibank interest overcharge issue will be greatly appreciated. 

Thank you

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 monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am writing to formally report a fraudulent debt that has been placed under my name. Southwest Credit Systems is attempting to collect {$560.00} for an alleged XXXX account. However, I have never had an account with XXXX, and after contacting them directly, they confirmed that they have no record of any account associated with me. 

Given that this debt is fraudulent, I request that you investigate this matter and take the necessary steps to correct any inaccurate reporting. Specifically, I ask that : This fraudulent account be removed from my credit report if it has been reported.

Any associated negative impact on my credit score be reversed.

This matter be properly documented to prevent further fraudulent activity under my name. 
I have attached any relevant documentation, including my written dispute to Southwest Credit Systems and my communication with XXXX Please let me know if you require any additional information to process this claim. 

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

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Upon checking my credit report i notice your company name. I have never done any business with you. I am unaware of any contractual agreement or obligations to pay you. This is my final warning and NOTICE to you. I refuse to pay this alleged debt. Please remove my nonpublic personal information from your database or system of records. I am demanding that you comply under the FDCPA and FCRA and remove this tradeline from my consumer report from any and all credit reporting agencies such as XXXX, XXXX and XXXX immediately upon receipt of this NOTICE. I did not consent to any storing, sharing, using or profiting from my nonpublic personal information. Please note any violation of my consumer rights under the FDCPA and/or FCRA you shall be liable pursuant to 15 USC 1692k and any other applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 requirement 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account number- XXXX I have no idea where this account came from. I am in perfect health I haven't even been to a doctor in 10 years. when I checked my credit report I was shocked to see this. Under the fair credit reporting act, I have the right to have my information reported fairly and accurately.

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 2025-02-01 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following inaccurate and/or unverifiable information on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681o, Experian may be held civilly liable for negligence if it fails to properly investigate or correct errors in my credit file. 

Disputed Item ( XXXX ) : XXXX XXXX XXXX Account XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX  Account number XXXX Date reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Date reported : XXXX XXXX, XXXX This account is inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within the prescribed timeframe, it must be deleted immediately. I demand that Experian delete this account within four ( 4 ) days and provide written confirmation.

Failure to comply with the FCRAs requirements may result in legal action for damages under 15 U.S.C. 1681o, including attorneys fees and other relief.

Please investigate this matter promptly and send me an updated copy of my credit report reflecting the deletion. You may respond to me in writing at the address listed above.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm writing asking for help because I have pleaded for a fair investigation from Transunion for the following account XXXX XXXX XXXXXXXX XXXX, # XXXX Because this account is predatory, misleading with false statement of representation. I have tiresomely contacted Transunion by mail and gave them factual details of this account. Pointing out specific information that's being reported inaccurately, and they still have yet to correct this situation. To my knowledge they are non-compliant when it comes to me as a consumer. They are very dismissive and seem not to care that they are reporting inaccuracies on this account. 



According to the FCRA they have violated the following laws : 15 USC 1681 a, 15 USC 1681i 5, etc.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app closed without cause and I wasnt given a clear reason why. Also, I was unable to speak to a live person in regards to this issue and was transferred to several bots or AI.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc.
State: ND

Complaint narrative:
On XX/XX/year>, at XXXX XXXX  Central Time, I called Renton Collections Inc. and spoke with a female agent who identified herself as XXXX. I requested an original billing statement. She refused, falsely claiming the agency is not licensed to send mail out of state. She offered no alternative method for receiving the bill, such as email.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report in order to prevent further fraudulent activity of my information. Thank you and have a good day.

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 2025-01-31 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: FL

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit Equifax, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Equifax has neither corrected or remove disputed items despite the evidence I provided cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inactions violates federal law and my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: KY

Complaint narrative:
I have filed a dispute several times on Experian for a debt that has been paid. It still remains on my credit report to this day.

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 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid off my XXXX XXXX XXXX balance of {$11000.00} in addition {$47.00} in reward dollars. I notified Comenity/Bread Financial customer service on the same date that I was paying off the card in full. Payment was due XX/XX/XXXX. 

XX/XX/XXXX I received a new statement that indicated that the XXXX payment was made. What is an outrage is that I am being charged {$150.00} for interest. 

Again, I called customer service and talked with two offshore employees who were of no help so I asked to speak with a supervisor or manager. I was told there was no manager and that I was to write a letter. I have written customer service in Ohio and Comenity 's CEO.

Page 2 of my billing statement states " we will not charge you interest on purchases if you pay your entire balance by the due date each month. '' I was never late and made all payments on time. This I believe is an attempt by Comenity/Bread Financial to exploit me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: ID

Complaint narrative:
I was looking at my report and noticed that there were multiple things that we're not correct. I sent a letter to Equifax XX/XX/year> here is my tracking number # XXXX but it has been more than 35 days since the credit bureaus haven't responded. That is a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) an exempt as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. which fall in line with why the CFPB Filed a lawsuit recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing you about the the misuse of my social security number. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made or accounts I have opened. It is the result of identity theft.1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-01 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: MI

Complaint narrative:
I have disputed information on my credit report and Experian has not investigated anything I disputed. I have request to know who verify the information with experience and how they came up with their decision. I have not received a response. 

Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

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 2025-02-01 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: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against [ EXPERIAN ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. 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 non-monetary relief
Consumer complaint received 2025-02-01 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:
Dear CFPB, I am writing to file a formal complaint against [ EXPERIAN ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. 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 2025-01-31 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: NJ

Complaint narrative:
The account, XXXX XXXX, was charged off on the following date : XX/XX/year>. Since then the account has been reporting an active payment history. It is to my understanding that a charged off account should NOT include an active payment history. I am in fear that this is incorrectly impacting my date of last activity. Please delete this account 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 explanation