vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: TX

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 Experians inaction violates federal law and my rights as a consumer.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
This is the second request for a refund from Cashapp. I was fraudulently scammed out of {$2500.00} and was not reimbursed. I have contacted Cashapp several times and has never been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
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 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 complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I just recently looked at my credit report on XX/XX/XXXX from XXXX, I saw I had some hard inquiries that did not have permissible purpose. According to the FCRA, credit reporting agencies and entities requesting /credit reports must have a permissible purpose to access or report on your credit file. Specifically, 15 USC 1681 ( b ) outlines the permissible purposes for obtaining a consumer report. Key Points of the FCRA Regarding Inquiries : 1. Permissible Purpose : A hard inquiry can only be made if there is a legitimate reason, such as : Credit transactions initiated by you if the credit account is not open or approved, the inquiry should not remain if it does not result in a valid transaction or permissible purpose ( e.g., applying for a loan or credit card ). Employment purposes ( with your written consent ). Court orders or subpoenas. Other lawful business needs initiated by you.

2. Unauthorized Inquiries : If a hard inquiry appears on your credit report without your consent or without a permissible purpose, it may be a violation of the FCRA. You have the right to dispute such inquiries and request their removal.

3. Reporting to the CFPB : When reporting to the Consumer Financial Protection Bureau ( CFPB ), include : A detailed explanation of the unauthorized inquiries. Copies of your credit report showing the disputed inquiries. Any correspondence you have had with the entities responsible for the inquiries. I have attached the inquires and the dates below : XXXX XXXX XXXX XXXX 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 2025-01-22 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: LA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Unverifiable Accounts Dear XXXX, XXXX, and TransUnion, I am writing to formally request the removal of two XXXX XXXX charge-off accounts for {$510.00} and {$3900.00} from my credit reports with your agencies. These accounts were recently disputed and investigated on my XXXX credit report, where they were deemed unverifiable and subsequently deleted as of XX/XX/XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), a consumer has the right to dispute inaccurate or unverifiable information on their credit report. Once Innovis deleted the accounts after completing their investigation, it is clear that these accounts could not be verified. As such, in accordance with the FCRA 611 ( a ) ( 5 ) ( A ), you are also required to remove unverifiable accounts from my credit file.

Additionally, under FCRA 623 ( b ), furnishers of information must ensure the accuracy and integrity of data they report to credit reporting agencies. Since Innovis has confirmed the deletion of these accounts, they are legally obligated to report the updated information to all other credit reporting agencies. Failing to remove unverifiable accounts from my credit file would constitute a violation of my rights under the FCRA.

I am requesting that these unverifiable accounts be deleted from my credit file within 30 days or less of receiving this letter. Should these accounts not be removed within the requested timeframe, I am prepared to exercise my rights under FCRA 616 and 617, which allow for civil action against non-compliant credit reporting agencies for damages resulting from willful or negligent noncompliance.

I have attached supporting documentation, including proof of the Innovis investigation and deletion of these accounts. I strongly encourage you to review this matter promptly and ensure compliance with federal laws.

Please send me written confirmation of the deletion of these accounts or provide an explanation as to why these unverifiable accounts remain on my credit file. You can contact me via phone at XXXX, email at XXXX, or by mail at the address provided above. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-01-22 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: LA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Unverifiable Accounts Dear XXXX, Equifax, and XXXX, I am writing to formally request the removal of two XXXX XXXX charge-off accounts for {$510.00} and {$3900.00} from my credit reports with your agencies. These accounts were recently disputed and investigated on my Innovis credit report, where they were deemed unverifiable and subsequently deleted as of XX/XX/XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), a consumer has the right to dispute inaccurate or unverifiable information on their credit report. Once XXXX deleted the accounts after completing their investigation, it is clear that these accounts could not be verified. As such, in accordance with the FCRA 611 ( a ) ( 5 ) ( A ), you are also required to remove unverifiable accounts from my credit file.

Additionally, under FCRA 623 ( b ), furnishers of information must ensure the accuracy and integrity of data they report to credit reporting agencies. Since XXXX has confirmed the deletion of these accounts, they are legally obligated to report the updated information to all other credit reporting agencies. Failing to remove unverifiable accounts from my credit file would constitute a violation of my rights under the FCRA. 

I am requesting that these unverifiable accounts be deleted from my credit file within 30 days or less of receiving this letter. Should these accounts not be removed within the requested timeframe, I am prepared to exercise my rights under FCRA 616 and 617, which allow for civil action against non-compliant credit reporting agencies for damages resulting from willful or negligent noncompliance. 

I have attached supporting documentation, including proof of the XXXX investigation and deletion of these accounts. I strongly encourage you to review this matter promptly and ensure compliance with federal laws. 

Please send me written confirmation of the deletion of these accounts or provide an explanation as to why these unverifiable accounts remain on my credit file. You can contact me via phone at XXXX, email at XXXX, or by mail at the address provided above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
This account was charged off on the following date XX/XX/year> Since Then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX Account Number : 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: CO

Complaint narrative:
I used the Commerce Bank credit for over a year with no issue. I used bill pay through XXXX XXXX  to make ALL of my payments. I always scheduled my payments to be delivered one day in advance of the due date. On 2 occasions, I tried to pay off a large balance before the due date using Ally bill pay, as I normally do. On at least one of those occasions the payment arrived late. After hours of on hold calls with Commerce bank, I was told the payment arrived a day or so late and that they could not refund the interest charge. I explained that I scheduled the payment to arrive before the due date. They still refused the refund. After days of research and many more calls to both XXXX  and Commerce, I discovered the Commerce Bank was FORCING a paper check to be issued by Ally ONLY when large payments are made! That caused a huge delay in delivery of a paper check through the unpredictable USPS. ALL OTHER PAYMENTS that I scheduled through my bank were delivered electronically ( and on time ) to Commerce Bank. I did not know Commerce Bank had that option. I only know that I scheduled the payments to arrive early through XXXX bill pay. So Commerce Bank is FORCING the payments to be late by changing the delivery method when it suits them. They do it when it will result in late payments that benefit THEM. On my last call ( after many ) they Commerce Bank manager I spoke to said he would credit the interest fee. I waited for days. It never showed up. That was my 4th request for them to issue that credit. I want the interest fee to be credited to my account. This seems like a scam they are running.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
These accounts are inaccurate : XXXX {$2000.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX520.00} XXXX XXXX XXXX XXXX {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
My issue is nit gdetting fixed. This company is not provideing me with FULL VALIDATION according to the FCRA. They are only sending me what they want. Please send the below to validate my debt : 1. Chain of Assignments Documentation showing how the debt was transferred or sold to your company.

2. Chain of Custody Records demonstrating the transfer of the debt from one party to another, including all entities involved. 3. Proof of Default Documentation showing that I defaulted on the original debt. 4. Assignment or Transfer of Debt A copy of the original assignment or transfer agreement, confirming your legal right to collect on this debt.

5. Proof of Securitization Documentation proving that the debt has been securitized, if applicable.

6. License to show the company being able to collect debt in the state of texas

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces $ was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: AAA Auto Title Loans, LLC
State: AZ

Complaint narrative:
On XX/XX/2025 I received a email from XXXX XXXX that clearly stated my payment was due and to make a payment by midnight or as soon as possible. 
This email was back to back with an email from my bank that the payment from XXXX XXXX of {$140.00} was returned due to insufficient funds So I made an payment of {$150.00} the morning of XX/XX/2025 On XX/XX/2025 I find that XXXX XXXX ran the payment again as a check for {$140.00} without regard to checking that the payment was already made. 
They sent out a email telling me to make a payment for which I did. nothing was said in the email that they would automatically withdrawal it again This is a deceptive email Then I have to send in screenshots to them to prove to them that two payments were made to get a refund and have to wait 5-7 business days to get my money back that they immediately got two times, while I wait for my needed money to cover other bills in my acct. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

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 2025-01-22 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 request the immediate removal of the unauthorized accounts from my credit report. I did not authorize or create these accounts and have no knowledge of their origins. As outlined in USC 1681g, I am formally requesting their removal within XXXX  days. Enclosed are the relevant documents for your review.

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 2025-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In brief : Mortgage companies holding insurance payouts and not allowing homeowners to use the funds towards a new build. 

My family lost our home in XXXX XXXX. XXXX declared the home a total loss and we were issued an insurance payout ; which was addressed to my husband and I, and the mortgage company. We have sent the check to the mortgage company and now our funds will not be released for our new build. 

The mortgage company policy states to now have access to receive these funds, either : - the home must be repaired- which is not possible or- the payoff of the loan must be less than the amount of the funds issued by the insurance company. XXXX : Amount due on existing loan {$XXXX}. Insurance payout {$XXXX}. Since the loan can not be paid off with only XXXX, the mortgage company is holding the funds until the loan is paid in full. To get a new loan for a new build on the same property, the old loan must be paid off. XXXX is a lot of money to be considered with a loan. The mortgage company will not include the XXXX as part of the payoff of the loan ; therefore, my new loan must consume " XXXX '' of the old loan. 

We as the consumer are not asking for the money in hand ; we are simply asking that the old mortgage company put in writing that the funds are available in escrow. Without this, our new mortgage company does not " acknowledge '' that we have x amount of money towards the payoff of the old loan. 

I know our family is not the only family to be without their home from the hurricane. Many are having to rebuild and should have access to the insurance payouts to assist with this process. And how many more claims like this are coming through from the LA fires? The policies at these mortgage companies are not clear. Families, including ours, are heading to the closing table short of funds because the mortgage companies are not clear with their policies AND are holding the insurance payouts that are intended to help the homeowner. 

This has to be or will soon become a national issue with all the natural disasters. Simply put, laws should be put into place stating that mortgage companies must list escrow funds in the payoff letters to ensure that consumers have access to these funds when rebuilding their lives.

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