vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$260.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
My information was compromised and sold to third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
l reviewed my consumer reports and noticed tha that l had XXXX late payments on an account that l was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer XXXX XXXX XXXX XXXX please investigate and provide proof with statement showing that there payment were late if proof t be provided l demand these payments be updated to on time as they should Be ask was NEVER late. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
Under code 15 USC 1681 my information was used in a data breach and I would like anything that is on my file to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I called them, they hung up on me because they didnt know my mothers maiden name. I went to branch, they added my mothers maiden name. I called back, they transferred me to tech support even though it was a fraud hold that they would not disclose that what it was which is dishonest and frustrating. The line started breaking up - I asked them to call me back but they wouldnt because they cant make outbound calls I called back for a third time and asked to speak with a supervisor. I was not given the option to speak to a supervisor. They submitted a ticket to an internal e-fraud team and I have not received any update or information about the ticket or the progress of the ticket. Still cant access my money because any attempt to do so, I receive an error.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Subject : Formal Complaint Against Toyota Financial Services for Violations of TILA & FCRA Demand for Account Removal To Whom It May Concern, I am submitting this formal complaint against Toyota Financial Services for violating the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ) by continuing to report a charged-off account with an outstanding balance on my credit report.

The account in question ( [ Account Number ] ) has been charged off, yet Toyota Financial Services continues to misrepresent the debt by reporting an inaccurate balance, in violation of : TILA ( 15 U.S.C. 1666i ( b ) ), which prohibits misleading credit reporting practices.

FCRA ( 15 U.S.C. 1681s-2 ), which requires creditors to report accurate information and correct any errors.

This false reporting is damaging my credit profile and directly violates federal consumer protection laws. I have previously disputed this with Toyota Financial Services, but they refuse to correct the issue, leaving me no choice but to escalate this matter to the CFPB.

I am formally requesting that the CFPB investigate this matter and require Toyota Financial Services to delete this account entirely from XXXX, XXXX, and XXXX. Simply correcting the balance is not sufficient, as the continued reporting of a charged-off balance is inherently misleading. 
Requested Resolution : I demand the immediate and permanent removal of this account from all three major credit bureaus. If Toyota Financial Services does not comply, I will explore further legal action for their noncompliance. 
I appreciate the CFPBs attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 ). Cash app failed to take timely and effective measures to prevent and address fraud on their platform. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant financial loss and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app did not inform us that there would be no customer service available when we have a problem we had a problem with money not being transferred and it took three months to get the problem solved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a XXXX  credit card for over XXXX  years. Never late with a payment ever. I was in VIP standing. On XX/XX/XXXX I went to the bank which is B of A and spoke to the XXXX regarding a totally different matter. While I was there the XXXX said oh by the way your credit card has been closed. I was shocked. She couldn't tell me why. 

I then for days I tried to get ahold of someone within B of A to try to understand why. They wouldn't tell me. 

I still to this day don't know why a good standing customer 's card would be canceled. 

XXXX person said something about the XXXX XXXX account which I am a volunteer with had something to do with it. But would not tell me what. The whole thing is extremely upsetting and makes no sense. This credit card is mine personal. The association which is called XXXX XXXX XXXX XXXX is a small non profit community association. They have been around for 55 years never a problem. And I am only a volunteer.

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 2025-02-11 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: 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. has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by XXXX  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

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 2025-02-11 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: 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. has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by XXXX  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

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Dispute of Debt - LVNV FUNDING LLC, {$1800.00} Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
EXPERIAN HAS FAILED TO FULFILL ITS LEGAL OBLIGATION UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) TO CONDUCT A RESAONABLE REINVESTIGATION OF DISPUTED INFORMATION ON MY CREDIT REPORT, LEAVING INACCURATE INFORMATION 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 EXPERIENCES, 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 'S 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 2025-02-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XX/XX/XXXXXXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the Director of the Federal Bureau of Investigation, or the Director 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.

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 2025-02-11 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the XXXX of the Federal Bureau of Investigation, or the XXXX 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.

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 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX XXXX. Notwithstanding section 604 [ 1681b ] or any other provision of this title, XXXX XXXX XXXX shall furnish to the Federal Bureau of Investigation the names and addresses of all financial institutions ( as that term is defined in section 1101 of the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 ] ) at which a consumer maintains or has maintained an account, to the extent that information is in the files of the agency, when presented with a written request for that information, signed by the XXXX of the Federal Bureau of Investigation, or the XXXX 's designee, which certifies compliance with this section remove late payments 15 USC 1681 ( A ) ( 2 ) ( I ) 12 UCC 3-301 15 USC 666 ( B ). 31 USC 3-603 26 CFR 1.643 ( D ) -1.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief