vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
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 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 XXXXXX/XX/XXXX I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 information incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute the reporting of an inaccurate balance on a charged-off account listed on my credit report by Nordstrom/TD Bank account number XXXX XXXX to the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be accurate, yet this account is incorrectly reporting a balance despite being charged off. 

Nature of the Dispute : Incorrect Balance Reporting : A charge-off is an accounting action indicating that a creditor has written off the debt as uncollectible. However, Nordstrom/TD Bank continues to report a balance, which may mislead creditors and negatively impact my credit profile. 
Potential FCRA Violation : The continued reporting of a balance on a charged-off account can be considered inaccurate or misleading under FCRA guidelines XXXX If the original creditor has sold the debt to a third party, it should no longer report a balance, only a charge-off status. 
Failure to Update Credit Reporting : Despite my previous attempts to dispute this issue with both the creditor and the credit bureaus, the inaccuracy persists. 

Requested Action : 1. Investigation & Correction : I request that CFPB investigate Nordstrom/TD Bank for its inaccurate reporting and ensure that the charged-off account reflects a XXXX balance if the debt has been sold or is no longer legally owed to the original creditor. 
XXXX. Verification of Compliance : I ask CFPB to ensure that the creditor is in compliance with all FCRA regulations regarding charge-off reporting. 
XXXX. Immediate Update to Credit Bureaus : If the balance is being improperly reported, I request that the CFPB direct the creditor to update the account information with XXXX, XXXX, and XXXX to reflect the correct status. 

I have attached copies of my credit reports showing the inaccurate reporting showing the reported balance that have been recently updated in XXXX despite being charged off I request that CFPB take immediate action to resolve this matter. Please provide a written response outlining the steps being taken. You may contact me at XXXX Sincerely, 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely, Experian ( or the appropriate credit bureau ) Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report. The item in question is listed under XXXX XXXX XXXX XXXX. Based on my records, I have identified the following errors that need correction : 1. Charge-Off Amount Discrepancy : The report states that {$8200.00} was written off, but the past due balance is listed as {$8100.00}. These amounts are inconsistent, and I request validation of the correct amount or immediate removal of any inaccurate data.

2. Status Update Date Discrepancy : The report indicates that the status was updated in XX/XX/XXXX, but the balance was last updated on XX/XX/XXXX. If the account was truly charged off in XX/XX/XXXX, then further updates to the balance should not have been made. Please verify the accuracy of these updates or remove the incorrect reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide verification of the reported information. If you are unable to verify the accuracy of this data, I request that the incorrect information be deleted from my credit file. 

Please complete this investigation within the legally required 30-day timeframe. I have attached copies of my credit report highlighting the disputed items for reference. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely,

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely, Experian ( or the appropriate credit bureau ) Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report. The item in question is listed under XXXX XXXX XXXX XXXX. Based on my records, I have identified the following errors that need correction : 1. Charge-Off Amount Discrepancy : The report states that {$8200.00} was written off, but the past due balance is listed as {$8100.00}. These amounts are inconsistent, and I request validation of the correct amount or immediate removal of any inaccurate data.

2. Status Update Date Discrepancy : The report indicates that the status was updated in XX/XX/XXXX, but the balance was last updated on XX/XX/XXXX. If the account was truly charged off in XX/XX/XXXX, then further updates to the balance should not have been made. Please verify the accuracy of these updates or remove the incorrect reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide verification of the reported information. If you are unable to verify the accuracy of this data, I request that the incorrect information be deleted from my credit file. 

Please complete this investigation within the legally required 30-day timeframe. I have attached copies of my credit report highlighting the disputed items for reference. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely,

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
The debt collector involved in this case, sent no notification of debt. according to the FDCPA. A G Notice was never received. Upon inquiry, inaccurate data was received from the debt collector. The accounting statement reflects a move-in date after the stated move out date. The statement does not reflect a clear and accurate reflection of the charges and funds received. This inaccurately reported information has inhibited me from obtaining financial products to obtain a home loan. This information was also placed on my credit report with no notification, and no opportunity to remedy.

Company response to consumer: Closed with explanation
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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally express my concerns regarding the inadequate data protection and privacy practices of Cash App, which have resulted in the exposure of my personal and financial information. This breach of privacy not only puts my sensitive data at risk but also directly violates consumer protection laws, including the **Consumer Financial Protection Act ( CFPA ) ** and **Electronic Fund Transfer Act ( EFTA ) **.

Despite Cash Apps obligation to implement effective security measures, I recently discovered that my personal data was accessed or exposed without my consent. This failure to safeguard user information constitutes negligence and has left my account vulnerable to potential fraud and financial harm. 

Furthermore, when I attempted to resolve this matter through Cash Apps dispute resolution process, I found it to be unresponsive, inadequate, and deceptive. Your company did not comply with the proper error resolution requirements outlined in **Regulation E**, which govern electronic fund transfers and protect consumers from unauthorized transactions.

These lapses in data protection and customer support have caused me significant distress and financial risk. As a result, I am demanding the following actions : 1. A detailed explanation regarding how my data was compromised.

2. Immediate security measures to prevent further unauthorized access.

3. Proper redress and compensation for any inconvenience and potential damages suffered due to this security failure.

4. Compliance with federal regulations*l to ensure better consumer protection moving forward. 

If this issue is not addressed promptly, I will have no choice but to escalate my complaint.

In addition I am uploading a copy of the billing statement as proof that the company is engage in deceitful practices in hiding the account information yet requesting it to issue relief. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
the account starts with XXXX can't see the whole account number this was for XXXX XXXX they took the car and sold for the car but is still asking me to pay XXXX knowing they have already gotten the full amount for the car this is for all three-credit agency i have been putting in dispute for XXXX, XXXX, and Experian for years I've also ask for supporting information for them to do an thorough investigation this practice violates the fair credit reporting act FCRA 15 u.s.c 1681 which mandates a reasonable investigation of disputes, furthermore Experian, XXXX, XXXX action may have contravene the consumer financial protection act CFPB 12 u.s.c 5536 a-b as highlighted in the CFPB administrative proceeding file no-2025-cfpb-0002 against them for similar violation, I request the CFPB to take action to ensure that these credit reporting complies with federal law and provides consumers with the necessary proof of investigation also they have so many inquiry on all credit profile that isn't lint to any account I don't know how this happens in I have asked them foe years to remove them they have not remove anything they have had wrong address and names on my account and list of jobs and income that I didn't give them also phone numbers this have been hurting my credit for years it has cause ongoing harm to my credit standing. these failures align with my experience, where Experian, XXXX, XXXX has neither corrected nor removed disputed items despite the evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I can not " opt out '' of this fraud XXXX from zelle. their link is XXXX. 
this is the " real '' zelle. not some impersonator. there is a court order from XXXX to send these emails. these are fraud. i don't want them contacting me. it is harassment. early warning system denied zelle was contacting me when they responded to my last cfpb complaint, which is insulting and incorrect. you are still harassing me! STOP! SEND ALL CONTACT HERE : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have loaded more than a few thousands onto cash app n seem to not get it. I dont know whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Public record information inaccurate
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
SECU HELOC Account : XXXX email sent to the corporate office requesting that the negative remark : discharged through XXXX XXXX be removed. This HELOC was paid in full XX/XX/XXXX by XXXX XXXX as a XXXX. This HELOC was never part of the XXXX. All payments were made on time and in full to SECU directly. The comment stating it was discharged via XXXX XXXXXXXX has a negative impact on my credit report. 

2.Request was made as early as XX/XX/XXXX for a payoff letter ; the lender ignored all requests for this documentation. 

3.Request was made that SECU remove the negative comment re : XXXX XXXX discharge from credit report. Last email on XX/XX/XXXX with XXXX XXXX XXXX, XXXX, CC : XXXX XXXX, Member Resolution Specialist XXXX XXXX stated the issues were being investigated. 

4. Follow up email was sent on XX/XX/XXXX requesting again a payoff letter be sent and the comment be removes as well as a full payment history for the HELOC. This request was ignored by SECU.

5. Note the letter sent from SECU does not specifically state the loan was paid off, only that it was intended to be paid off by the 3rd party lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/XXXX XXXX purchase was XXXX of Ethereum Transaction ID XXXX. 

Purchased this crypto to send to my personal address. Verified with my ID and Images of my face. Everything was " good to go '' went to send it to my personal address and the app will not allow me to do so now. called customer service they told me to try again tomorrow XX/XX/XXXX and I have and still getting the same error message. I asked for a full refund since I am unable to use the service they are supposed to be providing. Now Im forced to sell at a loss because I needed this money when I needed on XX/XX/XXXX. This is market manipulation by Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Shindler Law Firm
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX Subject : Formal Demand for Reinvestigation and Disclosure Pursuant to UCC 9-210 To Whom It May Concern, Pursuant to UCC 9-210, I am formally requesting that XXXX  & XXXX provide full disclosure of all financial records related to the alleged debt associated with account # XXXX. I require the following specific documents : 1. A complete and accurate record of where the vehicle was sold, including the date and sale amount.

2. Confirmation of whether the debt has been securitized.

3. The chain of assignment for the above-referenced account.

4. The Bill of Sale and Assignment of the account.

5. The last payment date associated with this account.

6. The first date of delinquency for this account.

7. Any and all documents bearing my wet signature that allegedly establish a contractual relationship between myself and XXXX XXXX XXXX. 
Additionally, I have identified significant discrepancies in my credit reports. On XX/XX/XXXX, XXXX updated my credit report, reflecting a balance of {$XXXX} in good standing ( Exhibit A ). Conversely, XXXX reported on XX/XX/XXXX a balance of {$XXXX}, with remarks indicating a charge-off of {$XXXX} and a write-off of {$XXXX} as a bad debt and profit loss write-off ( Exhibit B ). These inconsistencies raise serious concerns regarding the accuracy and legality of the debt being pursued.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: FL

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. I believe they have engaged in practices that violate the Fair Credit Reporting Act ( FCRA ) and have negatively affected my financial well-being and credit standing. 

Despite my diligent efforts to dispute inaccuracies on my credit reports, I have repeatedly encountered problems with having the credit reporting agencies respond to why my credit score has gone down without any negative information. In fact, my credit usage and limit has been consistent for a decade, yet my credit score fluctuates. The credit bureaus have not been able to provide me information as to why the scores have gone down. In fact, customer service representatives have frequently told me they do not know whey because no adverse information has been reported in my accounts. 

I have followed the required dispute process by sending letters to each of the bureaus, providing documentation to support my disputes. However, I have not received the corrections or proper responses to which I am legally entitled. 

Under the FCRA, credit reporting agencies must conduct a reasonable investigation when a consumer disputes information on their credit report. In my case : - My disputes were either dismissed or processed inadequately, leading to no significant changes to my credit files. 

- Some disputes were not investigated within the required timeframe, or I received form-letter responses rather than evidence that a thorough investigation was carried out. 

As a result of these unresolved issues : - My credit score has been negatively impacted.

- I have experienced emotional distress and additional financial expenses in constantly monitoring and disputing my credit reports.

I am aware of recent legal actions and settlements involving Equifax, Experian, and TransUnion regarding their credit reporting practices. I am submitting this complaint so I may pursue any remedies or relief available to consumers as part of, or in addition to, any class action lawsuits or enforcement actions pending against these credit bureaus. 

If you require any additional information or documentation to support my claim, please feel free to contact me at the information 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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