vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

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. 

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 Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : 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, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) : 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 explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I have made a lot of consistent payment in regards to paying off this vehicle, lowering my interest rate, and extending the refinance terms. I also came to the conclusion that the vehicle is very undervalued, meaning that the real price is XXXX XXXX I love this vehicle very much. Can you please add all the interest I paid to what I actually paid? I should be halfway or more to paying off this vehicle. Plus, I only use this vehicle for good purposes like training, working on my business, and delivering food when I have to. When the salesperson originally closed the deal on me he said I was going to receive the title, the XXXX warranty, and that I could pay $ XXXX a month, plus they were really nice, and all of a sudden XXXX XXXX closed down and they moved spots. Then XXXX XXXX disappeared and and I tried renegotiate the deal with better terms. Can you please work with me and tell Santander to work with me and go easy on the deal. Thank you so much. Plus people drive like crazy and disregard my vehicle, and most of them do not know how to drive either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I was told the original creditor is frontier. I contacted frontier and they can't give me any information on this account other than a phone number that is not mine! I asked if it could possibly be an old roommate that use to rent from me and they have no ID on file or anything! Ive disputed this account with credit collection services numerous times and which they can't either. Neither company has made any attempts to verify who really owns this debt and it's messing up my credit as for this is the only thing on my credit report that is bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: FL

Complaint narrative:
Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX. I have never entered into any contract or agreement with XXXX XXXX XXXX. Under contract law, for any obligation to exist there must be a legally binding agreement between both parties, which in this case does not exist. 

In addition, I request that XXXX XXXX XXXX provide full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ). This includes providing a copy of any original contract bearing my wet-ink signature that legally obligates me to this debt. Absent such evidence, I maintain that XXXX XXXX XXXX has no legal right to report this account on my credit file. 

Below is the contact information for XXXX XXXX XXXX as listed in my records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this dispute within 30 days and remove the account if proper documentation is not provided. Please send all correspondence regarding this dispute to my address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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:
Whom It May Concern, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX. I have never entered into any contract or agreement with XXXX XXXX XXXX. Under contract law, for any obligation to exist there must be a legally binding agreement between both parties, which in this case does not exist. 

In addition, I request that XXXX XXXX XXXX provide full validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ). This includes providing a copy of any original contract bearing my wet-ink signature that legally obligates me to this debt. Absent such evidence, I maintain that XXXX XXXX XXXX has no legal right to report this account on my credit file. 

Below is the contact information for XXXX XXXX XXXX as listed in my records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this dispute within 30 days and remove the account if proper documentation is not provided. Please send all correspondence regarding this dispute to my address listed above. 

Thank you for your prompt attention to this 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Financial Services
State: FL

Complaint narrative:
Complaint Against : Company Name : Consumer Financial Services ( CFS ) Account Number ( Last XXXX Digits ) : XXXX Date Opened : XX/XX/XXXX Issue Summary : I am disputing the way Consumer Financial Services ( CFS ) is reporting my auto loan account on my credit report. The account has been charged off since XX/XX/XXXX, yet the balance has significantly increased, which is inaccurate and unfair. 
1. Balance Discrepancy : My original loan amount was {$7900.00}, but my current balance is {$16000.00}, which is more than double. 
The company has charged off {$7600.00}, yet they continue to report a balance due that exceeds the original loan amount. 
I have not made any recent payments, so the balance should not have increased.

2. Credit Reporting Issues : The account is still being reported as charged-off each month, which is negatively affecting my credit score.

According to FCRA ( Fair Credit Reporting Act ) guidelines, charge-offs should not continue to be updated monthly in a way that continuously harms my credit. 
The account is scheduled to remain on my report until XX/XX/XXXX, but the ongoing reporting practices are making it more damaging than necessary.

3. Request for Resolution : I request that CFS provide a detailed breakdown of how the balance increased to {$16000.00}.

If the balance increase is due to unlawful interest or fees, I request that it be adjusted to the correct amount. 
If the account was charged off, the continuous negative monthly reporting should cease. 
I request CFPBs assistance in investigating this matter and ensuring that my credit report reflects accurate and fair information. 

Supporting Documents : I have attached screenshots of my credit report showing the account details, balance, and payment history to support my claim. 
This account was deleted off of XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I bank with Sofi bank. About XXXX to XXXX  months ago. I was locked out of my Sofi account because my phone was stolen. I still had access to my debit card which I had but I could not see my everyday transactions for about XXXX to XXXX  months. When I got access again to my Sofi mobile account a month a ago I noticed my account said I was approved for a loan for {$1900.00} and money was being taking out of my bank account each month for this loan I received. It also said I was approved for this loan XX/XX/year>. I called my Bank ( Sofi ) and asked them about this. I was told by them they had no idea about this but money was being taken out of my checking account. I was very mad because I would know if I received {$1900.00}. So I looked up the company that my money was going to every month and called them. They gave me no information at all. I asked about my address the phone number used for the account and the email address. They gave me no information at all. Now when I call to get more information they hang up on me. I did not get a loan from these people and honestly I have no clue who these people are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 2025-02-16 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: VA

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. 

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 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, has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1681c. section 605 ( a ) ( 5 ) : 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 2025-02-16 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: TX

Complaint narrative:
I am filing a complaint against Equifax & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax & Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's & Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax & Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

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. 

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 Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) : # XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) : # XXXX, XXXX XXXX  ( Original Creditor : 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, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) : 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 2025-02-16 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: MN

Complaint narrative:
Referenced account # XXXX XXXX XXXX USC 1681b. Permissible purposes of consumers reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal grand jury.

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 2025-02-16 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 violates 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 Election Fraud 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: TX

Complaint narrative:
Letter was sent requesting a debt validation on XX/XX/scrub>XXXX 
Debt Validation wasn't received So I am filing a formal complaint against First Progress for failing to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. Despite my written request sent on [ Date of Request ], the company has failed to respond with any validation of the alleged debt.

Since they have not provided the required verification, I request that this debt be removed from my credit report immediately. The failure to validate means they have no legal standing to report or collect on this debt, and it is causing unjust harm to my credit profile. 

I request CFPBs intervention to ensure that First Progress complies with the law and removes this inaccurate entry from my credit report. Please provide a response regarding the actions that will be taken to resolve this matter. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: IN

Complaint narrative:
I have received multiple emails from the Department of Education that my loans were being discharged because of a case that found the school I attended was found guilty in a court case against them. The first email about the discharge was on XX/XX/XXXX. At first I stopped making the payments like the email said, then a few months went by and I received an email saying that I missed a payment and when I went to check on my loans it showed that there was no payment need to be made so I left it alone. a few more months go by and then again I receive another email saying that I missed a payment and again I checked the account, but this time it showed that a payment of {$0.00} was due. So I paid the normal amount that I have been paying and did for a few months. I then received an email saying that my discharge was approved and that no more payments were needed and to stop making payments. That email was received on XX/XX/XXXX. After that email I checked my account again and it showed that the loans where put into forbearance and that I no longer had an option to make any type of payment. So with that I figured that things were being finalized and that the loans were being taken care of. I now received an email saying that I have been reported for " missed payments over 90 days '' and it has affected my credit score drastically. I have been trying to find any information in my loan account that tells me anything but there's nothing. It still shows that no payment is due and I have no option to make any payment of any kind to the loans. I tried to reach out to the Department of Education for information and when I submit my request or email it says that the service is unavailable right now. I tried to file a complaint with them about my credit being affected and when I try to submit my complaint that also gets denied and I'm shown a box that says " this service is unavailable at this time ''. I've reached out to the loan service provider MOHELA about the issues and are still waiting on a response from them on what is being done. I have been receiving emails that are conflicting with each other and need some resolution, and if they are not going to allow me to make payments then I need this to not be reported and my credit score to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation