vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: FL

Complaint narrative:
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. 
Account name ; XXXX XXXX XXXX Account number ; XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
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.

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 incorrect

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Re : Denial of Credit Limit Increase Attention Investor Relations : As an ongoing investor in your company by extending my private credit in the form of the initial e-chattel ( commercial ) paper, also known as a letter of credit, for value and consideration for American Express XXXX XXXX Card, I am continuously being denied a credit limit increase that I strongly believe is unjustified and in error. 

American Express, as a securitizer, took my letter of credit and turned it into a collateralized trust asset to be securitized along with other receivables as explained and detailed in American Express ' XXXX report year ending XX/XX/XXXX, page XXXX, Note XXXX Asset Securitizations. As the originator, I am demanding access to my credit, without restriction or denial, now and in the future, of a credit limit increase. 

Despite the reason for my denial being my " FICO Score '' as an INVESTOR who provided an application and access to my credit, I am due and owed consideration. 

Per your agreements with the Securities and Exchange Commission, via your prospectus, Form XXXX, and XXXX reports, you duly report that you are in complete compliance and swear that you are upholding the " requirements of the Securities and Exchange Act of 1934. '' As a bond fide purchaser and originator, I came to you with the intention of extending my private credit and to be returned with value and consideration. Your denials of my credit is a CLEAR and COMPLETE violation of the Securities Exchange Act of 1934, and your are in fact committing securities fraud and unjust enrichment. Any demand for a credit limit increase MUST be approved without restriction, delay or hinderance, and no spending limit is to be placed on the card moving forward. Any report of a " late payment '' or " past due balance '' will be used as evidence of false, misleading and inaccurate reporting, and a violation of the Fair Credit Reporting Act which I will seek compensation for damages. 

Additionally, per " The Pooling and Servicing Agreement Generally -- - Sharing of Principal Collections Among Principal Sharing Series '' in your prospectus, every revolving period, you WILL deposit the principal amount into the Principal Funding Account, so as not to inconvenience me, the investor and holder of collateral interest. 

I expect this matter to be handled promptly and the credit limit increase denial to be immediately reversed and authorized within five ( 5 ) business days and I receive confirmation of approval for the credit limit increase and no late payments reporting to any and all credit reporting agencies, and if there are any late payments reporting, for them to be corrected to reflect good standing ( paid on-time ), now and in the future in perpetuity.

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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to notify you of fair credit reporting act ( FCRA ) violations on my credit report and to request the immediate correction of this error. I identified the following status of this account : XXXX XXXX Auto Account Number ; XXXX Under the federal law 15 U.S.C 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.

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 2025-02-02 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: FL

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-02-02 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: FL

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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: AL

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 proceeded 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am formally disputing any and all debts that JEFFERSON CAPITAL SYSTEM claims I owe. Under the Fair Debt Collection Practices Act 15 USC1692g, I am exercising my right to requestt full validation of this alleged debt. Until proper validation is provided, I do not acknowledge Orr assume any responsibility for this debt.

Pursuant to my rights under 15 USC 1692g, I am requestingg that the following, Complete validation of the alleged debt, including a detailed breakdown of the amount owed, the namee of the original creditor, and any relevant account details.

The original purchase agreement between JEFFERSON CAPITAL SYSTEM and the original creditor, proving legal authority to collect this debt. 
Proof that JEFFERSON CAPITAL SYSTEM is licensed and bonded to collect debts in my state of New York. I expect copies of the current license and bonding information.

JEFFERSON CAPITAL SYSTEM has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34b, Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34c 4 ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Because of these violationss, JEFFERSON CAPITAL SYSTEM has no legal authority to collect or report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Tennessee Credit Management, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Demand for Immediate Removal of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the negative item that your company, XXXX XXXX XXXX XXXX, has reported on my credit file. This inaccurate and unjustified reporting is significantly impacting my ability to obtain credit and secure housing for my family, which constitutes material harm. 

Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide written notice of the debt within XXXX days of initial communication. I have never received any notification regarding this alleged debt, nor have you provided validation that I owe this debt. Your failure to comply with these requirements invalidates your ability to continue reporting this debt under 15 U.S.C. 1692e ( 8 ), which prohibits the reporting of inaccurate or disputed debts. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), you are obligated to investigate and correct inaccurate information upon dispute. Given that you have not fulfilled your legal duty to notify me or obtain my consent, this negative item must be removed immediately. Additionally, FTC v. XXXX XXXX XXXXXXXX ( XXXX  ) and other relevant case law confirm that failure to comply with federal statutes regarding debt validation and notice renders your reporting unlawful. 

DEMAND FOR ACTION : XXXX. Cease and desist all reporting of this debt to credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 
XXXX. Provide written confirmation that the negative item has been removed from my credit report. 
XXXX. Cease any further attempts to collect on this debt without proper validation. 

Failure to comply will result in my formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXXXXXX XXXX, as well as potential legal action for violations of the FDCPA and FCRA. 

I expect your prompt attention to this matter and a written response within XXXX  days confirming the removal of this item from my credit report. 

Sincerely, 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 have financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.

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

Complaint narrative:
I am a victim of a data breach and, as a result, have been affected by identity theft. Under 15 U.S.C.1681c-2 ( a ), I request that accounts : XXXX XXXX ( {$620.00} ) ; XXXX  XXXX ( {$8000.00} ) ; XXXX XXXX ( {$890.00} ) to be blocked and permanently deleted from my credit file due to fraudulent activity. 

Please find attached the necessary documentation, including a copy of my identity theft report, to support my request. I ask that you process this request promptly and provide written confirmation once the fraudulent accounts have been removed. 

If you require any further information to complete this process, please contact me at your earliest convenience. Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-02-02 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:
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. 
Account info ; XXXX Account name XXXXXXXX XXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
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.

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 incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX Months Reviewed XXXX Activity Designator - Terms Frequency - Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$830.00} Credit Limit - High Credit {$830.00} Available Credit - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES THIS ACCOUNT INFORMATION COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

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 information incorrect
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I applied for a loan with Affirm in XX/XX/year> for {$2500.00} to purchase XXXX XXXX XXXX XXXX from XXXX online. Several days later I still had not received the tickets, so I inquired with XXXX again and they informed me that the loan did not go thru in time, so the tickets were sold to someone else, and I did not have tickets. I reached out to Affirm via phone and explained the situation and they stated that the loan information would be updated after communication between XXXX and Affirm was updated. I ended up purchasing tickets thru another online ticketing site and used XXXX XXXX to complete that purchase successfully. 

A few weeks later, I noticed the Affirm information had not fell off my credit report, so I reached out again via phone. I was told that I needed to get written confirmation from XXXX stating that the ticket sale never went thru. I was able to confirm that with XXXX and provided it back to Affirm, however they would not accept it & continued to say that I owed the money ( for a product I NEVER received ). I have continued to dispute this charge/loan thru Affirm, and thru XXXX but it has not been removed to date. I never received a product, therefore there is no loan. If XXXX received money from Affirm and did not return it, that is not on me, but I never received anything at all from either company and want this off my credit report immediately.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Equifax XXXX ** Subject : Dispute of Inaccurate Information Under 15 U.S.C . 1681i Dear Equifax, I am writing to formally dispute the accuracy of information associated with my credit report ( Report Number : [ Insert Equifax Report Number, if known ] ). Pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I ask that you investigate and correct the following inaccurate, incomplete, or unverifiable items related to my account with XXXX XXXXXXXX : XXXX. **Account in Dispute : - Creditor Name : XXXX XXXX  - Account Number : [ XXXX ] - Disputed Item ( s ) : Due to the data breach that occurred my credit file was compromised in 2017 and has since been reported inaccuracies, Late payments reported in my credit file as well as a inaccuracies of my credit score - Reason for Dispute : I am a victim of identity theft because of the circumstances that have accrued which has caused me financial hardship due to inaccuracies in my credit file and improper credit history which has led to creditors seeing a inaccurate credit score on my credit file.

Under 1681i, you are required to conduct a reasonable investigation within 30 days and provide written results. If the information can not be verified, it must be promptly deleted Enclosures Please send me an updated credit report and a summary of the investigations outcome. Failure to comply with FCRA obligations may result in legal action.

Company response to consumer: Closed with explanation