vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VI

Complaint narrative:
On XX/XX/year> The company sent me investigation results letter stating that my account was accurate, verified and updated. I believe I am one of many who sent in a dispute and the company did not investigate as they stated. The reason is because the account still shows multiple inaccurate and incomplete information. The errors are very obvious on this account and need to be remove because it is causing damage. This company has been reporting these errors for years even after I have informed them by mail letter that the account is inaccurate and incomplete.

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 2025-02-08 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: CL Holdings LLC
State: MI

Complaint narrative:
My name and social security number was put on dark wed with credit card breach and bank breach XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My name and social security number was put on dark wed with credit card breach and bank breach XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: FL

Complaint narrative:
I'm trying to contact Jefferson Capital Syst because it was notified the XXXX XXXX sold fraudulent account regarding the purchase of a XXXX  XXXX XXXX ( Vehicle ) with XXXX XXXX XXXX in XXXX, FL. this is a fraud because I received an adverse information by XXXX XXXX in my account credit report that is a fraudulent information, it's kind of defamation and damaging my integrity of my family. From XXXX I had a XXXX and had not any bank account on that period of time and this is a Fraud. I DON'T HAD ANY PROPERTY ; he had XXXX XXXX. Please, I am encouraging you in good faith to send all the information to review, since I don't have any. I will appreciate your input to avoid more damage, this is a fraud and damaging my family. 
Before XXXX XXXX sold fraudulent account, I spoke with a representant of XXXX XXXX  and told me that everything was resolved, no debt, as explained that's a Car lender fraud, maybe conducted by XXXX agent or others. It looks like scheme or artifice '' to cheat somebody.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CO

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 proces 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 2025-02-08 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding an error on my credit report with TransUnion. A charge-off account has been inaccurately reported by TransUnion and XXXX, but it was not reported to XXXX, despite the account being paid off in full. 



The account shows as a charge-off on TransUnion and XXXX, but it does not show this status on XXXX, causing a significant discrepancy. I have provided the necessary documentation to the creditor showing the debt has been fully settled, but TransUnion has failed to properly update the charge-off status on my credit report. 



Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to report accurate and consistent information to XXXX  credit bureaus. I am requesting your assistance in investigating this issue with TransUnion to ensure that my XXXX report reflects the accurate charge-off status, as reported by TransUnion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XX/XX/year> Experian Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian : I am writing to formally dispute inaccurate information on my credit report that I 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 requested by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian 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 in a similar manner. 
Please review the Inaccurate Information being reported by 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.

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 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc
State: FL

Complaint narrative:
This letter serves as a formal dispute regarding your collection attempts on an alleged debt supposedly owed to XXXX. I do not acknowledge any valid obligation to this debt, and your collection efforts are entirely fraudulent, baseless, and unlawful. 

After investigating this matter personally, I contacted XXXX directly and was informed that the account in question is not linked to me in any way, shape, or form. This means that XXXX XXXX XXXX XXXX XXXX has been unlawfully attempting to collect on an account that does not belong to me and has failed to provide any legally binding evidence of my responsibility for this alleged debt. 

Fundamental Issues with This Collection Attempt The Account Is Not Mine I verified with XXXX that the account in question does not belong to me, nor am I affiliated with it in any way. If you claim otherwise, I demand that you provide a legally enforceable contract with my signature proving my obligationwhich you can not, because no such agreement exists. 

Merchandise Was Never Received Even if you attempt to claim there was a transaction under my name, I never received any merchandise associated with this alleged debt. Without proof of delivery or proof that I accepted the items, you have no legal grounds to pursue this collection. 

Failure to Provide Proper Validation I have already filed a formal complaint against XXXX XXXX XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX and in response, you failed to provide legitimate evidence proving my responsibility for this alleged debt. Instead, you submitted fraudulent, manipulated screenshots that were constructed by XXXX in an attempt to unlawfully extract money from me. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) By reporting inaccurate, unverified information to credit bureaus and attempting to collect a debt without proper validation, XXXX XXXX XXXX XXXX XXXX is in clear violation of federal law under : 15 U.S.C. 1692e ( FDCPA ) Prohibiting false or misleading representations.

15 U.S.C. 1692f ( FDCPA ) Prohibiting unfair or unconscionable collection practices.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) Prohibiting the furnishing of inaccurate or unverified information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number #, has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting ActI

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 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have multiple claims/disputed from charges starting on XX/XX/XXXX through XX/XX/XXXX. I had contacted XXXX and XXXX about these charges. Both say I have to dispute these charges with Chase. I have evidence to show that they have advised me to dispute with the bank. 

There are multiple charges that I disputed. Some have been reversed and credited back to my account. Some have been denied. My issue is why are some denied. All should be resolved. There is no reason why some have been resolved and some not as all of the claims are for the same reason. But for some reason Chase put them through as separate claims. I have been more then patient over the last 2 months that I have been with out over {$10000.00}. But now I would like to proceed against chase for inconsistent resolutions to their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with the 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 XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my Experian credit report and on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act.Whenever a consumer reporting agency prepares aconsumer report it shall follow reasonable proceures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1691 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inccurate or unverifiable information. ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a cusumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) 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 ( 1 ) 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 1681 s-2 they suppose to not furnish any information relating 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am currently in the process of disputing a Credit Card and amount on my credit report. I continue receiving documentation regarding wage garnishment and my employer is receiving the documentation as well from XXXX XXXX XXXX XXXX. I receive calls from my employer when these documents are received. Within the week of receiving the documents I receive documentation from the XXXX office stating the garnishment is dismissed. The following month I receive an notification of garnishment and a dismissal of garnishment a short period later. This is harassment and may cause my to lose employment. I feel this is harassment and will contact XXXX XXXX XXXX XXXX in writing. Are there steps I can take to end this harassment? 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted multiple request for verification of the reported late payments. TransUnion responded with a generic response and failed to provide detailed MOV. 
I've requested TransUnion to confirm the exact source of their verification and provide documentation. TransUnion again failed to provide XXXX  and continued to parrot the same response without providing evidence. 
I filed a CFPB complaint ( # XXXX ) in XX/XX/XXXX, and TransUnion still refused to provide proper documentation or an explanation for why the XXXX late payments remain after the account was paid in full and closed in XX/XX/XXXX. 
Why This is a Violation : 1 Failure to Provide XXXX ( FCRA 611 ( a ) ( 7 ) ) TransUnion is legally required to provide detailed verification, yet they continue sending the same response without documentation. 

2 Metro 2 Compliance Violation Date of Status Conflict Since the Date of Status is XX/XX/XXXX, TransUnion is failing to accurately report the account as fully paid and closed, allowing outdated derogatory marks to unfairly impact my credit score. 

3 Failure to Properly Code Dispute as " In Dispute '' ( XXXX XXXX ) TransUnion is required to mark the account as in dispute during reinvestigation, yet I have no confirmation this was done. 

4 Failure to Conduct a Meaningful Investigation ( FCRA 611 ( b ) ) Because TransUnion has failed to verify the disputed information, it must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: MA

Complaint narrative:
Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Disputed Entries : XX/XX/XXXX I was Never Late on The Account listed above please shoe me documentation showing proof of transaction, showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please update late payment to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NC

Complaint narrative:
Please remove the unauthorized inquiries listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX. 
Provide me with all documentation used to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification is enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

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 2025-02-08 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: VA

Complaint narrative:
15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( Equifax, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following Violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to formally dispute an inaccuracy on my credit report as detailed below. The account in question contains incorrect information, which I request be promptly investigated and corrected. 

Account Details : Creditor Name : SYNCB/PPC Account Number : XXXX Date Opened : XX/XX/XXXX Status : Paid in settlement, {$2800.00} written off Disputed Information : The 24-month payment history for this account inaccurately reflects late payments through XX/XX/XXXX. This is factually impossible, as the account is marked as Closed and Paid in Settlement with a final payment date of XX/XX/XXXX. Since the account was closed and paid before XX/XX/XXXX, the reporting of late payments beyond this date is erroneous. 

This inaccuracy negatively impacts my credit score and is a clear violation of the Fair Credit Reporting Act ( FCRA ). I request that the inaccurate late payment history be removed immediately and that this account be updated to reflect accurate and complete information. 

Enclosed Documentation : To support my dispute, I have attached the following : 1. A copy of the credit report highlighting the erroneous information.

Please conduct a thorough investigation into this matter and provide me with an updated credit report reflecting these corrections. If you require additional information to resolve this dispute, please contact me.

Thank you for your attention to this matter. I look forward to your prompt resolution within the 30-day timeframe as required by the FCRA.

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