23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year I woke up to an email stating I added my primary card information to an Illinois XXXX account that I haven't used in over 2 years now. I called Illinois XXXX and they informed me that " sometimes '' google will just give them card information. I have never had this happen before so that seemed a bit strange to me. I read over my google pay privacy statement and no where does it state that my card information could/would be given to a third-party without my knowledge or consent. On XXXX the XXXX i received more emails from Illinois XXXX that a different card had been added to this account because one card was inactive. Now im starting to wonder why they are phishing through my cards and how? Aren't there consumer protection laws that keeps my personal information private? Not to be shared with whomever inquiries for it. I am a victim of credit fraud and things have already been hard enough to get back on track. I have tried to contact Google services and the number just hangs right up. I'm not sure what type of outcome im looking for but as I am still doing my research I would at least like some answers to the questions that I have regarding my privacy and rights.
Product: Debt collection

I requested a substantiation of account of account which they are required to provide within 30 days but they failed to meet the request. 

This summons was never served therefore, the judgement is defective. 

They are also trying to collect wages from a firm that I am not employed with rather a independent contractor and recieve no wages. 
When I called the XXXX to explain, he tried to bully me in and pay anyway eventhough the wage garnishment has no jurisdiction if I am not an employee.
Product: Money transfer, virtual currency, or money service

I filed a complaint about a company called CashApp, Square , Inc. Complaint number : XXXX. As a result of my complaint the company retaliated against me and blocked my account. But I still have money on deposit with them in a stock trading account. Because they blocked my account today, I lost a lot of money because I could not sell stock that was losing value. 

The company simply ignored my original complaint. They claimed that they do not guarantee that a trade order will be canceled when requested. They also admitted that trade orders made after trading hours are executed when the market opens, but they do not mention anything about why they did not execute the order when the market opened. 
The company now seems to be retaliating against me for filing my complaint, they have blocked my account so that I was not able to make any trades at all today and my account lost value again. You can see from the timestamp that the account was XXXX during the trading day. There were no reported issues with the site. Also, a friend logged on and confirmed that he had no issues.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/scrub> 2025 and notice 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 general lf, 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The company is threatening us with closure of the account if we do n't give them what they 're asking for by XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX ( XXXX ) and Citigroup using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by XXXX activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to XXXX Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster.
Product: Credit reporting or other personal consumer reports

I have not been late on my accounts and they are also still showing as delinquent when the accounts are paid off and closed. Inaccurate reporting on my credit is hindering me as I am trying to purchase a house
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation 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 filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Granite State Management has ruined the last 14 months of my life. I have not been able to rent an apartment, apply for any credit or to be able to continue to build my financial status. I have been requesting since XX/XX/XXXX for GSMR to check the system to rectify the error on my daughters student loan account. 
Initially, I was told the issue was with my daughters college, XXXX XXXX XXXX. GSMR has been informed that my daughter is no longer a full-time student and it automatically took the student loan out of forbearance. After the third call, I went to XXXX XXXX financial aid office, my daughter, XXXX and I spoke to XXXX. I was told this can be cleared up quickly. We contacted GSMR on the phone and informed them the information will be sent from the school. 
After GSMR received the information, I was informed there was a different reason as to why my daughters loan was in deferment. I was told I never signed a deferment to begin with. GSMR requested for me to sign another deferment. I did not agree with their advice, however if I did not it was going to make my credit worse. I signed temporarily, in hopes that the school would be able to provide proof of my statement. 
Friday, XX/XX/XXXX, I spoke with a supervisor from XXXX XXXX Financial Aid Supervisor, she expressed she had the same problem with her student loans while in college and accessing the Federal Student Loan Database was her solution. She explained that GSMR has full access to the Student Loan Database and should have been able to verify this information without hardship. 
I have continually requested for GSMR to please check all records that may be privy to such information and they continued to reflect negative false information that was harmfully to my credit report and my familys livelihood.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion Due to Inaccurate and Inconsistent Reporting by XXXX and TransUnion XXXX XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX and TransUnion regarding inaccurate and inconsistent reporting of an account from XXXX XXXX XXXX on my credit reports. I respectfully request that this account be completely removed from my credit files due to the inaccurate and inconsistent reporting, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : XXXX is reporting this account as Closed Profit and Loss Write-Off, which suggests the creditor has written off and closed the account in their records. 
TransUnion is reporting the same account as an Open Charge-Off, which inaccurately suggests the debt is still open and active. 

These conflicting account statuses are misleading, confusing, and damaging to my credit profile. I have made multiple attempts to have these errors corrected directly with both credit bureaus, but they have failed to resolve the issue. The FCRA requires information reported to consumer reporting agencies to be accurate, complete, and consistent. These discrepancies clearly violate this requirement. 

Additionally, since XXXX XXXX XXXX has internally written off this debt ( as shown in Experians reporting ), there should be no remaining obligation reported as an open balance on any bureau. 

Requested Resolution : I respectfully request that the CFPB direct XXXX and TransUnion to : 1. Immediately delete the inaccurate account from my credit reports with both agencies. 
2. Provide written confirmation of the deletion. 
3. Provide an explanation of how they verified the accuracy of their previous reporting if they do not delete the item. 

Attachments : XXXX Credit Report highlighting the inconsistent account status TransUnion Credit Report highlighting the conflicting information Supporting documentation regarding the status of this account Thank you for your time and prompt attention to this serious matter. I trust the CFPB will assist in ensuring my credit reports are accurate and fair, in accordance with federal law.
Product: Vehicle loan or lease

I was told during the process of getting a vehicle at this site that my credit score would have no impact on my purchase ; all I needed was proof of employment and proof of bank statements. I applied for a loan not knowing that my credit report was being accessed ; thus showing up as a " hard inquiry '' on my credit report. As this would have an impact on my current score, I would not have agreed to it if the company had disclosed this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXXXXXX XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance $ XXXXDate Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX  {$330.00} Wrong Amount 5. XXXX XXXX XXXX Account # XXXX {$450.00} Wrong amount 6. XXXX XXXX XXXX Account # XXXX {$800.00} Not Mine 7. XXXX XXXX XXXX Account # XXXX Paid and was suppose to be removed 8. XXXX XXXXXXXX XXXX Account # XXXX Paid and was suppose to be removed 9. XXXX XXXX  Account # XXXX 10. XXXXXXXX XXXX Account XXXX XXXX {$430.00} Wrong amount 11. XXXX Account XXXX XXXX {$430.00} Wrong amount 12. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

Here is what happened. 

On XX/XX/year>, I sent a letters to Experian, XXXX and XXXX about mistakes to my credit report. 

Here are the issues : wrong names and wrong addresses that are not mine. I also sent a follow up letter with no responses on XX/XX/year> Wrong Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that are not my addresses : XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX Inquiries, no signed paperwork and no idea where it came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  That's all. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

recently reviewed my credit file and found an account reporting in error. I contacted all three credit bureaus and disputed the inaccuracy. The account was removed by XXXX and XXXX but Experian has yet to remove the item or provide method of varication. I have sent the attached results from the Experian investigation showing the account was investigated and removed. By law, under the FCRA, all information found to be inaccurate from either credit bureau must share their finding with all other bureaus and that information must be removed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ( DATE FILED XX/XX/XXXX ) UNAUTHORIZED XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Product: Mortgage

After I was diagnosed with XXXX and had my treatment, I started having difficulty paying for my house, I submitted the documents for Modification, 2 years trying to achieve a mofificacion, I got sick of stress and impotence of not having my approval. I moved from my house and tried to make a shortsale and neither DITECH AND GREEN TREE OR XXXX  XXXX help me. I have a buyer paying Cash {$190000.00} and they do not accept, they do not respond .. I have the sale in 2 weeks and I will lose my house for them. please I need help!!! loan XXXX DITECH XXXX extension XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- XX/XX/XXXX XXXX. XXXX team skynet I spoke with Experian about my validation request, that was sent originally on XX/XX/XXXX. Experian did not respond to my request. On XXXX/XXXX/XXXX I sent a demanding request certified letter to have the bankruptcy information removed from my credit report due to negligence on Experian. The rep stated they have 30 days to reply to a bankruptcy validation request by law. I correct the rep by stating they have 15 days and I gave them an extension before I followed up. The rep stated they have not received anything from me since XXXX. Which was a lie I have been disputing info off my credit for 3 months via phone/mail, Ive received several correspondence from Experian. I advised the rep I will move forward to the next step which is file a complaint with the FTC an file a lawsuit if this matter is not addressed properly. 

Experian- XXXX XX/XX/XXXX I called back and spoke to XXXX  from Experian she stated they received a letter requesting the bankruptcy be in dispute on XX/XX/XXXX and they sent a letter out on XX/XX/XXXX said the letter stated the bankruptcy would remain on the report! I asked a XXXX did They responded as if I sent in a dispute and not a request for validation she stated yes! I also mentioned the pursuant to 15 usc 1692g sec 809b of the FDCPA and stated they are not following that statue XXXX replies they do not have to and hung up. 

XXXX XX/XX/XXXX XXXX I spoke with XXXX from XXXX  she stated the letter I sent in had to much information on it. She asked what did I want shes not understand. I advised I wanted a letter of validation and the letter was very detailed and due to negligence on their end for not sending the requesting info. XXXX stated they just found the validation information, and this was a voluntary bankruptcy. XXXX states there is no way or reason she can send it by mail. It is just information they obtain from different places and we do not have a way of sending that to you in the mail. I advised I will go higher and file a complaint. 

XXXX XX/XX/XXXX XXXX. XXXX is who I spoke to from XXXX  she stated my credit report is handled by specialize fraud team and transferred me to that department at XXXX XX/XX/XXXX XXXX stated she received my letter validation request and XXXX  disputed the results and the bankruptcy will remain. They disputed this information XX/XX/XXXX. And XXXX XXXX. They have verified the information given. The third party outside the court house verified the information. You cant send a request of validation without a dispute it first. XXXX advises they handled this as a dispute. In my original letter I advised each credit bureaus THIS IS A LETTER OF VALIDATION ONLY! Each credit bureau ignored my request and decided to dispute this information without my consent and request. Each bureau ignore my request of validation. I am requesting this information be removed due to the bureaus negligence.
Product: Vehicle loan or lease

XXXXXXXX XXXX XXXX XXXX XXXX  address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX show me a car a XXXX XXXX XXXX XXXX with the miles roll back and fraudulent for warrent and submitted and fraud title I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, being duly sworn, do hereby make this affidavit and state as follows : XXXX. My name is XXXX XXXX XXXX, and I was born on XX/XX/XXXX. My Social Security XXXX is XXXX. 
XXXX. I have an account with AMER CR ACPT, which has a reported balance of {$25000.00} as of 39 days ago, and a loan amount of {$25000.00}. 
XXXX. I am making this affidavit regarding a vehicle offered to me by XXXXXXXX XXXX XXXXXXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
XXXX. The vehicle in question is a XXXX XXXX XXXX XXXX. I have concerns that the mileage on the vehicle has been rolled back, and I believe that the vehicle was involved in fraudulent activities, including the submission of a fraudulent warranty and title. also, I purchased a warranty from the company that is fraudulent too Because mileage set back in vehicle
Product: Debt collection

Previous action on this matter is cfpd compalint number XXXX, which no debt validation was given to myself the consumer, law 15 usc 1692 states that congress finds there is abundant evidence of the use of abusive, deceptive and u fair debt collection practices, which contributes to a number of bankruptcies, loss of jobs and invasions of individuals privacy. These laws are set in place to eliminate abusive practices. Truth in lending act gives consumers the right to cancel certain transactions that involve liens on consumers property from the unfair credit practices in the extension of consumer credit. 

TD Auto Finance furnished certain deceptive forms 15 USC 1692j in my consumer credit transaction on XX/XX/2021 creating an unfair practice 15 USC 1692f. Many law violations of my consumer rights have been made against myself the consumer by XXXX XXXX XXXX, listed below are the violations : 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692j 15 USC 1692b ( 3 ) 15 USC 1635 15 USC 1602 ( k ) 15 USC 1692e ( 10 ) 15 USC 1692f ( 6 ) ( a ) 15 USC 1692g 15 USC 1605 16 USC 1692c ( c ) Remedy of these law violations are as follows with regards to my rights of rescission that I never received disclosure for under Truth in Lending in this consumer credit transaction : 1 ) pay invoice that was sent to TD Auto Finance of all law violations 2 ) lien release of XXXX XXXX XXXX XXXX ) removal of this account from all consumer reports 4 ) refund of all payments made to date on account XXXX XXXX ) paid in full letter for account XXXX Exhibits A thru Exhibit H are attached in regards to this consumer transaction to prove the facts in this matter, please see all attachments for proof of law violations and facts in this matter along with an affidavit of truth signed and notorized.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to maintain fair and accurate reporting of my credit file in violation of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. Despite my formal dispute submitted to Experian regarding inconsistencies and inaccuracies on my credit report, they have failed to correct or remove the erroneous account information. 

The account in question ( XXXX OF XXXX ) contains multiple inconsistencies across the three credit bureaus ( Experian, TransUnion, and Equifax ) , including : Date of Last Activity : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian. 
High Balance Discrepancies : Reported as {$370.00} by TransUnion and Experian but {$300.00} by Equifax. 
Date Opened Discrepancies : Reported as XX/XX/XXXX by TransUnion but XX/XX/XXXX by Experian and Equifax. 
Date Reported Inconsistencies : Differing reporting dates across all bureaus, with Experian last reporting on XX/XX/XXXX, which questions the accuracy of verification. 
Credit Limit Differences : {$300.00} on TransUnion and Experian but {$0.00} on Equifax.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of any disputed information. Given the multiple reporting errors and discrepancies, I formally requested that Experian verify or delete this account as required by law. However, they have failed to provide proper verification or correct the errors.

As per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any inaccurate, incomplete, or unverifiable information must be removed from my credit report, yet Experian continues to report this account inaccurately. This is a direct violation of my rights under the FCRA, and their failure to correct these errors is causing financial harm, including potential denials for credit and higher interest rates.

I request that the CFPB take immediate action against Experian to ensure compliance with federal law and hold them accountable for their failure to maintain accurate consumer credit reports. I am seeking : 1. The immediate deletion of this inaccurate account from my Experian credit report.

2. A formal investigation into Experians failure to follow FCRA guidelines regarding reinvestigation and verification.

3. Any necessary enforcement actions to prevent further FCRA violations.