vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XXXX incured on XXXX XXXX company issues check for damages of XXXX. 

XXXX. First check issued XXXX. 
XXXX. Second check issued XXXX. 
Have called and disputed what percentage of work is done. We are over XXXX percent done with repairs. Need additional funds to finish. Mortage company says home is XXXX percent done. Will not allow us to schedule an in person inspection. Have tried calling a dozen times and I am either hung up or disconnected from mid way through call. Please assist us in collecting the remander of our money due to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I receive multiple calls several times a day every single day about my debt, yet I have not received any verification of debt in writing. I am harassed by these people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
Filed complaint with XXXX numerous times. 
Disputed directly with XXXX, Experian and XXXX with no resolution.

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 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The co signer on this vehicle has had possession of the vehicle the whole time. I do not have possession of this vehicle and never did. My ex fianc signed my name when I wasnt there and I let it slide because we had a kid together. This is not my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: FL

Complaint narrative:
Dear reader, The FTC alerted me on this day that it has been beyond 5 days since the initial receipt of our Identity theft submission. I've followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-03 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: IL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
Chapter 7 Bankruptcy XXXX XXXX CT IL XXXX Reference # XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My personally identifiable information is incorrect on my credit report across all credit reporting agencies. I am requesting the removal of any inaccurate information from my credit report. I anticipate that all details on my credit report will be reported accurately. I have attached a copy of my driver 's license to verify my name and address.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My personally identifiable information is incorrect on my credit report across all credit reporting agencies. I am requesting the removal of any inaccurate information from my credit report. I anticipate that all details on my credit report will be reported accurately. I have attached a copy of my driver 's license to verify my name and address.

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 2025-02-03 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Heres a powerful dispute letter to the CFPB regarding the XXXX XXXX Collections account on your credit report. This letter is designed to push for a deletion by demanding strict adherence to consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Dispute and Request for Deletion RentDebt Automated XXXX Dear Consumer Financial Protection Bureau , I am formally disputing an inaccurate and potentially unlawful collection account reported by XXXX Automated Collections on my credit report. The account, with an open balance of {$2300.00}, was last reported on XX/XX/XXXX. 

I request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specifically, I demand : 1. Validation of XXXX XXXX XXXX Collections must provide legally verifiable proof that I owe this debt, including a full accounting of charges, a copy of the original contract, and proof of their right to collect.

2. Strict Compliance with Reporting Laws If the account does not meet 100 % accuracy under the FCRA, it must be removed from my credit report. 
XXXX. Investigation of Unfair Reporting My credit report indicates that I have already disputed this account, yet it remains. Under FCRA guidelines, unverifiable accounts must be deleted. 

If XXXX Automated Collections can not provide the original signed agreement and detailed transaction history proving I owe this balance, I request its immediate deletion from all credit bureaus. 

I appreciate your prompt attention to this matter and expect a formal response within 30 days, per federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding an unauthorized credit inquiry conducted by CREDIT ACCEPTANCE on my credit report. I did not provide any written or verbal authorization for this company to access my credit, nor did I complete any paperwork permitting such an inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose and explicit consent to obtain a consumer credit report. This unauthorized inquiry has negatively impacted my credit, and I am requesting an investigation into this matter. 

I am asking for the following actions : XXXX. XXXX removal of the unauthorized inquiry from my credit report. 
XXXX. Documentation from CREDIT ACCEPTANCE proving they had my consent. 
XXXX. Any necessary enforcement actions against the company if they violated the law. 

I have attached supporting documents, including a copy of my credit report highlighting the unauthorized inquiry. Please address this matter promptly, as it is causing undue harm to my credit standing. 
Thank you for your time and assistance. 
Sincerely, 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 explanation
Consumer complaint received 2025-02-03 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:
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX ( RETAILER ) Date of inquiry : XX/XX//2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once. 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XX/XX/XXXX ( XX/XX/XXXX) Date of inquiry XXXX XXXX2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  ( BANK ) Date of inquiry : XXXX/XXXX/2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  ( FINANCE ) Date of inquiry : XX/XX//2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XX/XX/XXXX ( FINANCE ) Date of inquiry :XX/XX/XXXX/2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
I received a phone call on XX/XX/XXXX regarding a debt owed to them ( Portfolio Recovery Associates , LLC ). This 3rd party debt collector informed me they purchased the debt in XXXX. In the state of Arkansas, the statue is 5 years to collect on a contract credit card. It's XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit report has not been updated since XX/XX/XXXX. Called and spoke with an Experian rep in XX/XX/XXXX. I was informed that the address on my credit report needed to be updated by uploading a copy of my drivers license to the Experian website. This was done and the report is still reflecting XX/XX/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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern I recently reviewed a copy of my credit report and notice my personal information including my name and address were incorrect .My legal full name is XXXX XXXX XXXXPlease delete any of all phone numbers addresses and employers from my XXXX, Equifax and XXXX report credit reports that not belong to me, such as inaccurate personal informations my ability to obtain credit.I request a manual review of this information due to the complexity of the inaccuracies .I have attached copies of my identification such as my most recent utility bill and my social security card. Please investigate this matter and remove the inaccurate information from my credit report.Notify me in writing of the results of your investigation and any actions taken.thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 2025-02-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: KS

Complaint narrative:
I've been getting emails from SELF AT XXXX XXXX PROMISING ME XXXX BETTER Credit. 

THEY FINALLY DEMANDED A {$100.00} DEPOSIT. I SHARED MY BANK INFO AND THEY SENT ME A EMAIL SAYING Insufficient FUNDS. And your account has been canceled! 
I looked up my bank online and it showed SELF RECEIVED {$100.00} FROM MY BANK ACCOUNT. THEY SENT VERY RUDE Emails SAYING THEY NOW HAVE MY {$100.00} DEPOSIT!

Company response to consumer: Closed with explanation