vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. 
The following claims are unverified and require further investigation.

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 2025-04-24 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: DISCOVER BANK
State: NY

Complaint narrative:
XX/XX/XXXX I sent a fax to the discover fraud department with my ftc report attached I had called them earlier in the week to discuss this account I told them I was a victim of identity theft theft I asked they how can we resolve this issue they told me to send the a copy of my. FTC report and thats it I specifically asked dental guys need my police incident report I filed for identity theft they said know a couple weeks later I get a letter talking about my account was verified I did not open this account my identity was stolen during the XXXX data breach in XXXX my social has been compromised on the dark web you guys told me this account was opened online in the state of XXXX I live in XXXX  always have my whole life Im attaching a copy of my id my ftc reports my police incident report reports screenshots of the XXXX  data breach screenshots of the dark web ssn compromised bank statements or credit card statements please remove this account off my credit report immediately and a letter I just sent by mail to all the credit bureaus Im also attaching a email sent to me by Experian saying they acknowledged that I am a victim of identity theft Im also attaching a screenshot of the fax I sent to your fraud department on XX/XX/XXXX. under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( e ) and 15 U.S.C. 1681c-2. I am a verified victim of identity theft again please take action as soon as possible. Thanks hope you do the right thing and we dont have to go and further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Dear RoundPoint Mortgage Team, I am writing to follow up on my insurance claim documents, which I submitted via email on XX/XX/year>, to XXXX. The email included the insurance claim check and the adjuster sheet.

Since then, I have made multiple attempts to get an updateboth via email and through several phone calls. During a call on Saturday, a representative confirmed that my documents were received via email and assured me that I did not need to send the physical check. I was told that I could expect a new check from RoundPoint within a few days.

However, when I called again this morning, a different representative mentioned she could not access the system and promised to call me back within an hour with an update, but I never received that call. Finally, during a third call this evening at XXXX XXXX CST, a representative named XXXX  ( ID : XXXX ) told me I did need to send a physical check.

When I asked to speak with a manager for clarification, the conversation unfortunately took an unprofessional turn. This inconsistency and lack of accountability has been extremely frustrating and disappointing. I am simply trying to resolve my claim in a timely manner, but the conflicting information and poor customer service have made the process unnecessarily difficult.

I

would appreciate it if someone from the appropriate department could review my case and provide a clear, accurate update on the status of my claim and any next steps required from my end. Thank you for your attention to this matter. I look forward to your prompt response. I would appreciate if someone can give me call on my number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I reviewed my Consumer Reports and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account ( XXXX XXXX ) : ( XXXX * * * * * * * * * * ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reported 90-Day Missed Payments and Removal from SAVE Plan To Whom It May Concern, I am writing to formally dispute the reported 90-day missed payments on my federal student loan account serviced by XXXX  and to express my concern over being removed from the SAVE ( Saving on a Valuable Education ) repayment plan without receiving prior notice. 
According to my recent credit report, XXXX has reported delinquent payments that have negatively impacted my credit score. I would like to clarify that I was enrolled in the SAVE repayment plan and was under the impression that my payments were in good standing.

I was not notified in advance that I would be removed from the SAVE plan, nor was I given an opportunity to correct or respond to any issues that might have led to this removal. This lack of communication prevented me from taking any corrective action and has resulted in significant damage to my credit standing.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. A full investigation into the circumstances surrounding my removal from the SAVE plan.

2. A review of the communication logs to determine whether proper notification was sent.

3. Removal or correction of the reported delinquent payments from my credit report if it is found that due process was not followed.

I am requesting a written response within 30 days of the receipt of this letter, as required under the FCRA.

Please consider this letter a formal dispute and request for correction. I appreciate your prompt attention to this matter and look forward to your resolution.

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 2025-04-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reported 90-Day Missed Payments and Removal from SAVE Plan To Whom It May Concern, I am writing to formally dispute the reported 90-day missed payments on my federal student loan account serviced by XXXX  and to express my concern over being removed from the SAVE ( Saving on a Valuable Education ) repayment plan without receiving prior notice.

According to my recent credit report, XXXX has reported delinquent payments that have negatively impacted my credit score. I would like to clarify that I was enrolled in the SAVE repayment plan and was under the impression that my payments were in good standing.

I was not notified in advance that I would be removed from the SAVE plan, nor was I given an opportunity to correct or respond to any issues that might have led to this removal. This lack of communication prevented me from taking any corrective action and has resulted in significant damage to my credit standing.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. A full investigation into the circumstances surrounding my removal from the SAVE plan.

2. A review of the communication logs to determine whether proper notification was sent.

3. Removal or correction of the reported delinquent payments from my credit report if it is found that due process was not followed.

I am requesting a written response within 30 days of the receipt of this letter, as required under the FCRA.

Please consider this letter a formal dispute and request for correction. I appreciate your prompt attention to this matter and look forward to your resolution. 
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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reported 90-Day Missed Payments and Removal from SAVE Plan To Whom It May Concern, I am writing to formally dispute the reported 90-day missed payments on my federal student loan account serviced by XXXX  and to express my concern over being removed from the SAVE ( Saving on a Valuable Education ) repayment plan without receiving prior notice. 
According to my recent credit report, XXXX has reported delinquent payments that have negatively impacted my credit score. I would like to clarify that I was enrolled in the SAVE repayment plan and was under the impression that my payments were in good standing.

I was not notified in advance that I would be removed from the SAVE plan, nor was I given an opportunity to correct or respond to any issues that might have led to this removal. This lack of communication prevented me from taking any corrective action and has resulted in significant damage to my credit standing.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. A full investigation into the circumstances surrounding my removal from the SAVE plan.

2. A review of the communication logs to determine whether proper notification was sent.

3. Removal or correction of the reported delinquent payments from my credit report if it is found that due process was not followed.

I am requesting a written response within 30 days of the receipt of this letter, as required under the FCRA.

Please consider this letter a formal dispute and request for correction. I appreciate your prompt attention to this matter and look forward to your resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
I reviewed my Consumer Reports and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account ( XXXX XXXX ) : ( XXXX * * * * * * * * * * ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
PLEASE REMOVE " XXXX '' I HAVE SUPPLIED. WHO WAS THE LEGAL ACCOUNT HOLDER 'S NAME WAS LISTED ON THE STATEMENT ATTACHED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Information Services, LLC XXXX. 
XXXX XXXX XXXXXXXX GA XXXXXXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report.

Dear EQUIFAX, I am writing to formally dispute inaccurate information on my credit report that l believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation results effectively. These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled similarly.

Please review the Inaccurate Information being reported : I HAVE SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE ENGWLHARDT. V. GRAVENS ( MO ) 281 SW715.719 PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT THEREFORE EXISTS. ( PLEASE REMOVE ALL ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ).

PLEASE REMOVE ALL ACCOUNTS LISTED : " XXXX '' Under the FCRA, you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation clearly and comprehensively. Provide me with any documentation you rely on if the disputed information is verified as accurate. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to the dispute. If you fail to resolve his matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
Experian continues to report a cancelled debt on my credit report, in violation of federal law. The account, associated with XXXX  and partially identified as account XXXX, relates to a XXXX XXXX XXXX  and was legally cancelled via IRS Form 1099-C on XX/XX/XXXX. The amount discharged was {$19000.00} under Identifiable Event Code : Foreclosure Election.

Despite submitting this evidence through prior disputes, Experian has failed to delete the account, did not disclose the method of verification, and has not ceased reporting it. This constitutes multiple violations, including : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy 15 U.S.C. 1681i : Failure to delete or correct after a valid dispute 15 U.S.C. 1681s-2 ( b ) : Noncompliant data furnisher handling 15 U.S.C. 1681i ( a ) ( 7 ) : Refusal to disclose the method of verification 15 U.S.C. 1692e ( 8 ) : Misleading reporting of a cancelled debt 26 U.S.C. 6050P / IRS Notice 2012-65 : Prohibited reporting of discharged debts Experian is knowingly harming my credit report by maintaining inaccurate and uncollectible information that contradicts official IRS documentation .

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 2025-04-24 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXX/XX/year> -- {$640.00}

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 2025-04-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX, VA, XXXX XXXX XXXX XX/XX/XXXX P.O. Box XXXX, Washington XXXX DC XXXX. XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX. 
Subject : Dispute of Credit Report Information Dear Sir!/ Madam at XXXX, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

* * Disputed Items : 1. * * Hard Inquiry : - * * Reason for Dispute : * * I do not recognize this inquiry and believe it may have been made without my consent.

2. * * Charged-Off Item : - * * Reason for Dispute : * * This account is inaccurately reported as charged off. I am currently experiencing financial hardship due to a recent divorce and ongoing mental health challenges, which have impacted my ability to manage my accounts.

I am invoking my rights under the FCRA ( specifically Sections 602, 604, 611, and 623 ) which protect consumers against inaccurate reporting and allow me to dispute such information. Additionally, under the FDCPA ( Section 807 ), I am entitled to fair treatment in the reporting of my financial obligations. 

I have included copies of supporting documents that outline my situation, including evidence of my financial hardship. I kindly request that you investigate these items and correct my credit report accordingly. 

Please confirm your receipt of this letter and keep me informed about the status of my dispute. Thank you for your attention to 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 2025-04-24 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}

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 2025-04-24 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: LA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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