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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Letter Regarding Non-Compliance with FCRA 15 U.S. Code 1681o Dear Equifax, I am writing to formally dispute the non-compliance of your organization with the Fair Credit Reporting Act ( FCRA ), which has resulted in negligence and civil liability under 15 U.S. Code 1681o. I have reason to believe that your failure to comply with FCRA regulations has negatively impacted me, and I am requesting immediate corrective action.

Details of the Non-Compliance : Negligent Handling of My Credit Report : FCRA violation, such as failure to investigate a dispute properly, incorrect reporting of information, or lack of proper notification on XXXX XXXX account. 

Failure to Conduct a Reasonable Investigation : There was failure of investigation with the legal timeline given 30-45 days on XXXX XXXX account. 

Harm and Damages Incurred : Due to your organizations negligence, I have suffered financial, emotional, or credit-related harm, such as denied credit, increased interest rates, or emotional distress. 

Legal Basis : Under 15 U.S. Code 1681o, any person who is negligent in failing to comply with the FCRA is liable for : Actual damages sustained by the consumer due to the negligence.

Attorneys fees and costs, if legal action is pursued.

Requested Action : Immediate investigation and correction of the inaccurate information on my credit report.

Written confirmation that the issue has been resolved and that no further incorrect reporting will occur.

Compensation for damages incurred due to your negligence, as permitted under 15 U.S. Code 1681o.

If I do not receive a satisfactory response within [ reasonable timeframe, e.g., 30 days ], I will be left with no option but to escalate this matter, which may include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies.

Please consider this matter with urgency. I expect a written response outlining the steps you will take to resolve this dispute. You may contact me at XXXX XXXX should you require any further information. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the 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 ( account No. XXXX ) ( account XXXX. XXXX ) ( account XXXX. XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
Didnt provide that this account was mine in previous dispute. All they sent was something with my name. I need chain of custody, bill of sale, original contact, and my wet signature. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.

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 2025-02-02 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: UPGRADE, INC.
State: GA

Complaint narrative:
Account number : XXXX I am writing to formally dispute and demand the immediate removal or correction of an illegal charge-off entry reported on my credit report, which is both inaccurate and unlawful under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I am fully aware of my rights as a consumer and I will not tolerate any violation of those rights, particularly when it comes to the deliberate or negligent reporting of erroneous information. 

I am referencing the charge-off listed on my credit report, which I assert was reported without proper documentation, and likely without compliance with legal standards required under both the FCRA ( 15 U.S.C. 1681 et seq. ) and the Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5536-5565 ). Let me be clear : this charge-off is illegal. Per IRS guidelines, if a debt is canceled or written off, the creditor is required to issue an IRS 1099-C Form to report the cancellation. To date, I have not received such a form, nor do I have any records or proof of this action being taken. Furthermore, this erroneous entry has caused substantial harm to my creditworthiness.

You are fully aware that under the FCRA and CFPA, as well as related case law, consumer reporting agencies like XXXX must investigate disputes in good faith, forward all relevant information to furnishers, and ensure the accuracy of consumer credit reports. Your agencys failure to do so has caused me significant damage to my financial reputation and violated my legal rights.

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

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of fraudulent accounts appearing on my credit report. These accounts were opened without my consent and are causing me severe emotional distress, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of all fraudulent accounts listed below from my credit report. As a victim of identity theft, I have the legal right to have this information blocked and permanently deleted. 
The following accounts must be removed from my credit report immediately : 1.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> This is not mine. I am a victim of ID Theft. Please investigate and remove from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. Payments was never late, under 15 U.S.C 1666b update to current XXXX Account Number : XXXX 5. The following account is not mine XXXX  Account Number : XXXX 6. The following account is not mine XXXX XXXX Account Number : XXXX I have attached a copy of my identity theft report and any other supporting documentation required to validate my claim. According to FCRA Section 605B, you are legally obligated to remove these fraudulent accounts within four business days of receiving this request. 
The emotional and XXXX  toll that this situation has placed on me is unbearable. The presence of these fraudulent accounts has led to overwhelming stress, XXXX, and mental anguish. I am pleading for your immediate assistance in resolving this matter before my situation deteriorates further. 
Please provide written confirmation of the removal of these fraudulent accounts at your earliest convenience. If I do not receive a response within the legally required timeframe, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies at {$1000.00} per violation. 
I appreciate your urgent attention to this request and expect immediate compliance with FCRA Section 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr Cooper refuses to eliminate my PMI as requested. I am well over the 78 % threshold and never missed a payment since I purchased in 2019. There is no need to continue collecting mortgage insurance as I have proven for the last 6 years I am not a risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: Block, Inc.
State: MO

Complaint narrative:
Cash App ( Block, Inc. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Demand for Compensation Due to Lost Funds To Whom It May Concern, I am writing to formally dispute the loss of my funds in the amount of {$1900.00}, which was sent via Cash App on XX/XX/XXXX, [ XXXX  ], as evidenced by the attached transaction records. Despite multiple attempts to resolve this issue through Cash Apps customer support, I have received no adequate resolution or refund. 

Under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), Cash App is legally obligated to investigate and resolve disputes regarding unauthorized or erroneous transactions. Your failure to provide a timely resolution constitutes a violation of federal consumer protection laws. 

Furthermore, Cash App has faced multiple lawsuits for failing to properly investigate fraudulent transactions and unauthorized withdrawals, demonstrating a pattern of negligence and unfair business practices. If this matter is not resolved immediately, I will be forced to escalate my complaint by filing reports with the CFPB, the Federal Trade Commission ( FTC ), and state regulatory authorities, as well as exploring legal action. 

To resolve this issue, I demand the following actions : A full refund of {$1900.00} to my Cash App account or linked bank account. 
Compensation for financial harm, including any overdraft fees, penalties, or missed payments resulting from this issue. 
A written confirmation detailing the corrective actions taken to ensure such issues do not occur again. 
If I do not receive a resolution within 14 days, I will proceed with : Filing a formal complaint with the CFPB at www.consumerfinance.gov/complaint.

Reporting this issue to the FTC at www.reportfraud.ftc.gov.

Consulting legal counsel to pursue compensation through a lawsuit based on violations of consumer protection laws. 
I expect an immediate and fair resolution to this matter. Please respond by [ XXXX 14 days from today ] to avoid further legal consequences. 

Sincerely, [ XXXX XXXX ]

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following unauthorized hard inquiries on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), these inquiries violate my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681, including but not limited to : 15 U.S.C. 1681 Section 602A : Establishes my right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits consumer reporting agencies from furnishing an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : States that no consumer reporting agency may report adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) : Prohibits the reporting of inaccurate information if the furnisher knows or has reasonable cause to believe it is incorrect. 
The following hard inquiries were made without my express written consent, and I am demanding their immediate removal : XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX I request that these inquiries be permanently removed within 30 days of receiving this notice. Failure to comply will result in my pursuit of legal action for non-compliance with federal law. 

Please send me written confirmation once these inquiries have been deleted. If you require any additional information, feel free to contact me.

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

Complaint narrative:
What a joke " Cash App '' is! I have recently since deleted this app and vow never to use it again. First I purchased trees from a fraudulent landscaper that did not have a license to do business in New Jersey. I called them and got a fraud number from a company that pretends to be cash app and they tried to rip me off and I reported it to the AG office. I got in touch with the " real cash app '' and they were useless and the app was useless. they could not see any information about XXXX XXXX I gave money to when I asked for a list of all transactions for 2024 they said they could not give it to me. I demanded to speak with the supervisor ( XXXX ) and she had no power either. then she magically said she sent me the list I requested since I didn't use the cash app that much. It was not accurate and not complete what a joke. I felt hopeless and despair. Issues with Cash App : 1. They don't vet people, 2. They don't keep records and the small amount they do is inaccurate, 3. They can do anything when something fraudulent happens and I was told it was like giving someone cash. 4. No way to track where funding is coming from or going to. XXXX. No contact with the people sending money. No details what so ever. Please see all my documentation and it doesn't have my {$2200.00} which should show {$2200.00} and then {$50.00} tip for the guy who brought rotten trees. I am filing this complaint against them in hopes CFPB can crack down on them. Take them out of business. I have emails and more if yo like it. The detailed cash app show how I got ripped off bitcoin and I don't know how they got that money from my account from cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
The address on file is not my correct address. I would like this account removed. I did not give authorization.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-02-02 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: CA

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 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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
ACCOUNT NAME XXXX XXXX, XXXX Account : XXXX XXXX and MIDLAND CREDIT MANAGEM Account : XXXX and XXXX XXXX XXXXXXXX Account : XXXX USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-02-02 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: CA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
XXXX has written off more than what was charged off. that is not legal.

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 2025-02-02 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: PA

Complaint narrative:
XXXX has written off more than what was charged off. that is not legal.

Company response to consumer: Closed with non-monetary relief