vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
Dear CFPB Complaint Department, I am filing a formal complaint against Equifax and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws by inaccurately reporting and unlawfully updating a charged-off account ( Account ending in XXXX ) on my credit report. 

Nature of the Complaint : Equifax is allowing XXXXXXXX XXXX to update an account they no longer own. 

According to my credit report, XXXXXXXX XXXX sold or transferred this account, meaning they no longer have the right to update it under FCRA 1681s-2 ( b ). 
Despite this, XXXXXXXX XXXX continues to modify the accounts status, which is misleading and deceptive. 
Equifax has failed to conduct a proper investigation. 

Under FCRA 1681i ( a ), Equifax is required to investigate and correct inaccurate information. Instead, they continue to allow contradictory payment details to remain on my report : The Date of Last Payment is listed as both XX/XX/year> and XX/XX/year>, demonstrating clear inconsistency. 
The Actual Payment Amount is falsely reported as {$0.00}, despite recorded payments. 
Potential Unfair Re-Aging of Debt. 

If XXXXXXXX XXXX is modifying this account after transferring it, this could be an attempt to re-age the debt to extend its negative impact on my credit report, which violates FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Violations of California Consumer Protection Laws : California Civil Code 1785.25 ( a ) prohibits furnishers from reporting inaccurate or misleading information to credit bureaus. 

California Civil Code 337 sets a four-year statute of limitations on most debts, yet XXXXXXXX XXXX continued updates may be unlawfully extending the reporting period. 
Relief Sought : I request the CFPB to investigate Equifax and XXXXXXXX XXXX for these violations and require : Immediate deletion of this inaccurate and improperly updated account. 
A full explanation from Equifax on what verification method/documents were used to justify continued reporting. 
A review of Equifaxs compliance with FCRAs dispute investigation requirements. 
I have previously disputed this matter with Equifax, and they have failed to correct it. I request the CFPBs intervention to ensure compliance with federal and state laws. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: WA

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the stress it's causing me. Thank you.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you of my intent to file a lawsuit against XXXX XXXX due to your inaccurate and unlawful reporting of my account to the major credit reporting agencies ( Equifax, TransUnion, and Experian ). 

Nature of the Complaint : You have reported negative and derogatory information regarding an installment account in my name, with the following details : Equifax : XXXX reported with a balance of {$1500.00}, last updated XX/XX/XXXX TransUnion : Charged off as bad debt with a balance of {$1500.00}, last updated XX/XX/XXXX Experian : Unpaid balance reported as a loss, charge-off/other derogatory, last updated XX/XX/XXXX This reporting has negatively impacted my creditworthiness, causing financial harm, and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., among other consumer protection laws.

Violations Include but Are Not Limited To : Inaccurate Reporting : Your reports contain conflicting information across different credit bureaus, suggesting inaccuracies. 
Failure to Properly Investigate Disputes : If I have disputed this information previously, you have failed to provide proper validation as required by 15 U.S.C. 1681s-2 ( b ).

Reporting False or Misleading Information : Per FCRA 1681s-2 ( a ), furnishers must ensure that the information they report is accurate and not misleading.

Failure to Provide Proof of Debt Ownership : If this debt has been sold or assigned, I have not been provided with sufficient documentation to validate its legitimacy.

Demand for Resolution : To avoid legal action, I demand that you immediately : Delete or correct this negative account from all three credit bureaus ( Equifax, TransUnion, and Experian ).

Provide full verification of the account, including proof of debt ownership, payment history, and all correspondence regarding charge-off status. 
Cease any further inaccurate reporting to consumer credit reporting agencies. 
If you fail to respond within 15 days of receiving this letter with appropriate corrective action, I will proceed with legal action seeking damages under the FCRA and any applicable state consumer protection laws. This lawsuit may include claims for statutory damages, actual damages, attorneys fees, and punitive damages for willful violations. 

Please treat this as your final opportunity to resolve this matter before formal litigation is initiated. 

You may respond in writing to the address above or via email at 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 2025-03-06 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: SUN LOAN COMPANY INC.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX **** XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX XXXX a friend sent a XXXX XXXX transfer to my Cash App Account via a routing and account number. The Deposit was to hit on XX/XX/year> at some point during the day. It did not post on the day stated by XXXX XXXX, and Cash App ( XXXX XXXX ) stated that they did not receive the deposit. 
It is currently XX/XX/year>- XXXX XXXX stated that they had done an initial investigation and verified that the funds were received by the receiving bank on XX/XX/year>. 
After multiple phone calls between both XXXX XXXX who would not provide me or the sender any information regarding the ACH # that was used to transfer the funds, Cash App came back and stated that they did not have any record of the transaction though they were provide a copy of the transaction receipt, the amount of the deposit expect. They stated that they do not accept " bank wires '' ; this information was not provided by XXXX XXXX or Cash App. 
That said even a " bank wire '' has a ACH number attached to it. 
The amount of the transfer was {$530.00} XXXX XXXX refused the refund to the sender stating that she would have to wait 90 days for a resolution and Cash App did not give any resolution ; other than the money is in the ether.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
NATIONAL CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX Re : Request for Verification of Account Dear Sir or Madam, I am writing regarding an account reported on my credit file which I believe may be inaccurate or unverifiable. On XX/XX/2024 I requested verification of this account ; however, I have not received the documentation necessary to confirm its validity. 
Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I formally request that you provide ME the following documentation to verify that this account is mine and that all information reported is accurate : 1. A copy of the original signed contract or agreement under which the account was established, including any endorsements or modifications.

2. A detailed statement or transaction history for the account, including all charges, fees, and payments made.

3. Documentation establishing the chain of assignment or ownership of the account if it has been transferred or sold.

4. Any additional documents or records that you rely upon to verify the validity and accuracy of this account.

If you are unable to provide the above within 30 days, please have this account removed from my credit report, as required by the FCRA. Additionally, please cease any further collection activities until this matter is resolved and notify all credit reporting agencies to which you have supplied this account information of my dispute.

I respectfully request a written response detailing the results of your investigation. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NE

Complaint narrative:
On XXXX XXXX a purchase was made to be delivered to my home and I never received the merchant. I have filed now 4 disputes for them to be denied. The reason behind t he denial is because I made the purchases according to the reasoning behind the denial. The merchant informed me to file a dispute with my bank. Which is what I did for cash app to turn around 24 hours less and deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
they are trying to collect a debt that doesnt belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: AZ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-03-06 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: AZ

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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