vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: VA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
As of XX/XX/year>, Capital One Auto Finance reported on my credit report as a charged-off account. When I called Captial One and requested 1099c, they denied my request. I mailed the request to Capital One Auto Finance in writing. They are inaccurately reporting they repossessed the vehicle. They have committed fraud by reporting false information. They have reported to XXXX, XXXX, and XXXX resulting in punitive damages to my personal credit report and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TN

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please help me, I have attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Please help me, I have attached supporting documents.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I would like to be reimbursed for the reported transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was co
mplete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-21 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: IN

Complaint narrative:
XXXX XXXX charge off on my credit report opened on XX/XX/year> is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance {$150.00} Open Date XX/XX/XXXX XXXX XXXX {$1300.00} Open Date XX/XX/XXXX XXXX XXXX {$1600.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Balance {$2200.00} Open Date XX/XX/XXXX XXXX Balance {$2100.00} Open Date XX/XX/XXXXXXXX XXXX  Balance {$930.00} Open Date XX/XX/XXXXXXXX XXXX  Balance {$260.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$0.00} Open date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXXXXXX 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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am seeking your help to investigate accounts from companies reporting late payments inaccurately. Upon reviewing my credit report, I discovered specific accounts marked with late payments, which is incorrect. There should be no late payment records on these accounts.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filling 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 2025-01-21 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: MO

Complaint narrative:
I HAVE BEEN SENDING IN CERTIFIED MAIL CONCERNING IDENTITY THEFT THAT HAPPENED TO ME, CAUSING ME TO DROP TO XXXX XXXX IN MY PAYMENT HISTORY, I SENT MY CREDIT REPORT MULTIPLE TIMES IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO COMMUNICATION WAS RECEIVED NOR ACTIONS TAKEN AGAINST THESE ACCOUNTS HAVING LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

THIS COMPLAINT IS DUE TO MULTIPLE VIOLATIONS AGAINST ME INVOLVING BILLING ERRORS, BECAUSE I WASN'T NOTIFIED WITH ANY STATEMENT REFELCTING THE ALLEGED BILLING ERRORS WITHIN 60 DAYS, ITS BEEN OVER A YEAR WITH NO COMMUNICATION TO MY LETTERS AND NOW I AM IN A EXTREMELY TIGHT FINANCIAL SITUATION AS I CAN NOT ACCESS CREDIT OPPORTUNITIES BECAUSE MY CREDIT REPORT HAS MULPTIPLE VIOLATIONS NOT DONE BY ME AND ITS COSTING ME MONEY. 

MY KNOWLEDGE AS A CONSUMER IS MY CREDIT REPORT IS TO BE 100 % ACCURATE AND IT IS NOT BECAUSE THESE COMPANIES FAILED TO DO THEIR JOB. NOW SEEING THAT THEY ARE BEING SUED SHOWS AND PROVES IM NOT CRAZY.

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 2025-01-21 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-01-21 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: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX ( Education Loan ) I was not notified about these accounts before anything was reported. I also requested proper validation and contracts with signatures Also my personal and private information keeps being sold to other debt collectors without my knowledge of it. 

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Last 4 of SSN XXXX { XXXX XXXX } XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Dispute of Debt Dear [ XXXX XXXX ], I am writing to formally dispute the reporting of a debt on my credit report by ( XXXX XXXX ), associated with account number [ MY CREDIT REPORT SHOWS NO ACCT # ]. ( BALANCES ) - {$5000.00}, {$11000.00}, {$6100.00}, {$3300.00}, {$2700.00}. 
This debt was reported without proper notification to me as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ), debt collectors are required to provide consumers with a written notice of the debt within five days of their initial communication. This notice must inform the consumer of the amount of the debt, the name of the creditor, and the consumer 's right to dispute the debt. I have not received any such notification regarding this debt, which is a violation of my rights under the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to accurate and fair credit reporting. Reporting a debt without providing proper notification or validation violates these rights. Since I was not informed of this debt, I have not had the opportunity to dispute or verify its accuracy. 

I am requesting an immediate investigation into this matter and the removal of this unverified and improperly reported debt from my credit report. Enclosed are the following documents to support my dispute : A copy of my credit report highlighting the disputed debt. 
Any relevant correspondence related to the debt ( if applicable ). 
Please provide me with the results of your investigation and any actions taken to correct my credit report within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to a resolution and the correction of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a complaint with your agency # XXXX. Newrez LLC responded with the acceptance of their errors leaving me unprotected for over a year on mandatory flood insurance by not paying the renewal bill and taking the expired flood declarations policy and updating it in their system as current which in return they never acknowledged the policy was expired due to an error they made. They said they would provide me with a flood policy since now Ive lost my grandfathered status with femas XXXX flood policy which was {$2200.00} in XX/XX/XXXX and {$2200.00} in XX/XX/XXXX. They purchased a policy while they had all my flood monies in my escrow account and have charged me {$5300.00} XX/XX/XXXX and now monthly starting XX/XX/XXXX {$290.00} additional as well as {$290.00} XXXX more times in XXXX and XXXX as well as {$680.00} again in XXXX for more flood insurance charges then XX/XX/XXXX it will be additional {$380.00} a month for flood. Newrez LLC caused this by not paying for my policy that was only {$2200.00} a year and now since my policy was lapsed for a year XXXX cant get a new policy for the same amount of coverage which theres is only for {$250000.00} for structure no contents covered which we had contents up to {$100000.00} and we cant get a policy for less than {$8200.00}. Newrez is making our home unaffordable from no fault of our own and we are devastated by this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey Ive attached FTC report for accounts reporting from fraud can you have equifax remove these items immediately. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey Ive attached FTC report for accounts reporting from fraud can you have equifax remove these items immediately. 


ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX Re : Dispute of Charge-Off Reporting Request for Investigation and Clarification Regarding 1099-C Acct # : XXXX To Whom It May Concern, I am writing to dispute the reporting of the charged-off account referenced above currently reporting on my credit report for {$2100.00}. I have not received a 1099-C form indicating cancellation of the debt, which raises further concerns regarding the validity and accuracy of the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, furnishers of credit information are obligated to report data that is accurate, complete, and not misleading. In XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, 526 F.3d 142 ( 4th Cir. 2008 ), the court ruled that creditors violate the FCRA if they report information in a way that is misleading or creates a materially inaccurate impression. 

I am disputing this account due to the following issues : The account is reported as a charge-off, but no 1099-C ( Cancellation of Debt ) form has been issued. According to IRS regulations ( 26 U.S. Code 6050P ), creditors are required to issue a 1099-C when {$600.00} or more of debt is canceled. If no 1099-C has been issued, this raises questions about the legitimacy of the charge-off and whether the debt remains outstanding. 

If this account has been sold to a third party, the reporting should reflect that ownership, and the creditor should cease reporting a balance. Reporting a charged-off debt as both owed and canceled is misleading and a potential violation of FCRA guidelines. 

To resolve this matter, I request the following : Provide detailed documentation to substantiate the accuracy of the reported information, including the charge-off date, balance history, and current ownership of the account. 
Confirm whether a 1099-C has been issued. If the debt has been forgiven or canceled, update the reporting to reflect a XXXX balance or delete the account entirely. 

If you can not verify the accuracy of the information or if it is determined that the reporting is incomplete or misleading, delete this account from my credit report immediately. 

Per the FCRA, 15 U.S.C. 1681i, you are required to complete your investigation and provide a written response within 30 days. Failure to comply with these obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or legal action to protect my rights. 

I appreciate your prompt attention to this matter and look forward to a resolution. Please provide your response in writing to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: WV

Complaint narrative:
Disputed a XXXX XXXX through TransUnion and them knowing it that it is against FCRA regulations, they keep listing it back as accurate. It is a closed account shows a balance shows the monthly payment history and a bigger amount then was allowed to start with. It even States closed and they refuse to remove it. Knowing that XXXX and XXXX both have a lawsuit against them because of this ordeal TransUnion is doing the same exact thing and looking at these little people and getting their information which is wrong instead of them looking at the report yourself seeing where it shows closed.

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo overdraft fees from all my past accounts. 

XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} this is from XXXXXXXX XXXX XXXX alone. Please refund all of my over draft fees from any and all accounts I have had with Wells Fargo

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 2025-01-21 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: FL

Complaint narrative:
I have been XXXX XXXX XXXX XXXX XXXX and all accounts and inquiries on my credit report are fraudulent.

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