vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have no knowledge of this debt. As well, this collection agency is not licensed to collect debt in the state of Illinois. 

As per : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 

Per the XXXXXXXX XXXX access database and XXXX XXXX XXXXXXXX Portfolio Recovery Associates is not licensed in Illinois. This is a gross violation of my consumer rights. I want this account deleted/blocked from my credit report immediately. This has hindered my ability to obtain credit and lease/mortgage.

To be a debt furnisher in Illinois, you must obtain a collection agency license and comply with the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: IL

Complaint narrative:
I have no knowledge of this debt. As well, this collection agency is not licensed to collect debt in the state of Illinois. To be a debt furnisher in Illinois, you must obtain a collection agency license and comply with the Fair Credit Reporting Act ( FCRA ). 

As per : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act except that no collection agency shall be required to be licensed if the agency 's activities in this State are limited to collecting debts from debtors located in this State by means of interstate communication, including telephone, mail, or facsimile transmission, electronic mail, or any other Internet communication from the agency 's location in another state provided they are licensed in that state and these same privileges are permitted in that licensed state to agencies licensed in Illinois. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unlicensed practice ; violation ; civil penalty. 
( a ) Any person who practices, offers to practice, attempts to practice, or holds oneself out to practice as a collection agency without being licensed under this Act shall, in addition to any other penalty provided by law, pay a civil penalty to the Department in an amount not to exceed {$10000.00} for each offense as determined by the Department. The civil penalty shall be assessed by the Department after a hearing is held in accordance with the provisions set forth in this Act regarding the provision of a hearing for the discipline of a licensee.

( b ) The Department has the authority and power to investigate any and all unlicensed activity. In addition to taking any other action provided under this Act, whenever the Department has reason to believe a person has violated any provision of subsection ( a ) of this Section, the Department may issue a rule to show cause why an order to cease and desist should not be entered against that person. The rule shall clearly set forth the grounds relied upon by the Department and shall provide a period of 7 days from the date of the rule to file an answer to the satisfaction of the Department. Failure to answer to the satisfaction of the Department shall provide the Department authority to issue an order to cease and desist immediately. 

Per the XXXX XXXX access database and hXXXX XXXX XXXX FirstPoint Collection Resources is not licensed in Illinois. This is a gross violation of my consumer rights. I want this account deleted/blocked from my credit report immediately. This has hindered my ability to obtain credit and lease/mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: MI

Complaint narrative:
I looked at my report XX/XX/2024, and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it has to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. The account ( XXXX XXXX XXXX ) is not complete and accurate. 

( XXXX XXXX XXXX ) The account status, open date, terms, payment status, payment history and closing date is not correct. This account is not accurate. 

Under the Fair Credit Reporting Act, they violated laws such as section 611 and 15 USC 1681i 7.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern Experian : After careful review of my credit report I notice XXXX XXXX Account XXXX XXXXXXXX has reported 9 late payments to my credit report. 
From XXXX through XX/XX/XXXX a couple of those months was during their investigation which result as a violations of two of those months violations is a XXXX dolars per violations equal XXXX dollars of the Fair Credit Reporting Act ( FCRA ) XXXX XXXXXXXX account XXXX XXXX reported the same accounts on my credit profile twice. 
Another violations equals to be XXXX dollars ( FCRA ) possible more violations to be found since they report the same accounts both accounts must be deleted misreporting 15 usc 1681 sections 623 ( a ) ( 2 ) require furnisher to report correctly under the ( FDCPA ) 15 usc 1692 e ( 8 ) violation of this sections for false reporting.

Timing of payments 15 u s c 1666B States a creditor can not treat a credit account late under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedure designed to ensure each periodic statement including information require by section ( 1637b ) of this title mailed or deliver to consumer not later than 21 days before the due date.

1.Requesting the periodically statement 2. Requesting information from ( 1637B ) 3. Negative information notice 1681 a ( p ) 4. Needs to be mailed or deliver
ed 21 days or less 5.Requesting tracking number 30 days from date received to remove those accounts XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
It is critical that I remind you of the recent enforcement actions taken by the Consumer Financial Protection Bureau ( CFPB ). On XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX for its failure to properly investigate and resolve consumer disputes. Similarly, on XX/XX/year>, the CFPB sued XXXX for sham investigations of credit report disputes, alleging that the company failed to conduct proper investigations and routinely disregarded evidence provided by consumers. Your failure to address my dispute regarding inaccurate of the bankruptcy as i have not even file and date and information regarding it is inaccurate and XXXX XXXX inquiry is not compliance with the FCRA reflects the same unlawful behavior for which Equifax and XXXX are now facing legal and regulatory consequences. If you continue to mishandle my dispute, you will face additional complaints with the CFPB, state attorney generals offices, and other relevant authorities. I am also prepared to initiate legal action if necessary. You did not provided the method of verification. Equifax has neither corrected nor removed disputed public record or inquiry despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the dispute public record and inquiry as XXXX inaction violate federal law and my rights a a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 is a Violation of the Consumer Financial Protection Act. Cash app Failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and unprotected. To add, Their dispute resolution is unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek proper handling of these Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
On XX/XX/year> I requested a review of the last 5 payments I need for loan forgiveness through the buyback program. I have yet to receive an update on these five payments and I would like this process to be completed soon. I have been paying student loans for over 10 years and serving as a professor at multiple public institutions preparing teachers for the classroom. I am overdue to have my debt forgiven through the Public Service Loan Forgiveness program and I am eager to make the final five payments. I am simply waiting for the bill at this point.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-26 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:
I am filing this complaint against the credit reporting agencies ( CRAs ) for their continued reporting of account XXXX by XXXX XXXX, which is past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ). I have sent multiple dispute letters to no avail. My last dispute letter sent over 45 days ago which is dated and time stamped is attached. 

Under the FCRA, an account must be removed from a credit report seven years after the date of first delinquency ( DOFD ). Despite this clear regulation, the CRAs continue to report this account beyond the allowable timeframe. Furthermore, the CRAs are reporting inaccurate information, including : Date of First Delinquency ( DOFD ) : The date being reported is incorrect, which is instrumental in determining the account 's removal. 
Date Last Active : This date is also being inaccurately reported, which affects the account 's status and validity.

These inaccuracies violate my rights under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), which requires the exclusion of outdated accounts, and 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX and Trans Union 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 XXXX and Trans union inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish XXXX andhas 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 XXXX, 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 XXXX has neither corrected nor removed + I want the CFPB to publish XXXX and Trans Union 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 XXXX and Trans union 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 XXXX or Trans Union has neither corrected nor removed + + i want XXXX and trans union to remove all collections accounts on my credit profile and update all my late payments on credit profile to reflect as current and paid as agree, in addition, my only address I use is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as my only address I use on my credit profile.

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 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: SC

Complaint narrative:
Bunch of XXXX  committed money missing out of my account unauthorized charges from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: IN

Complaint narrative:
I had an auto loan through XXXX XXXX XXXX XXXX XXXX, but the vehicle became undrivable. To settle the account and have it removed from my credit report, I worked with XXXX XXXX XXXX, XXXX, which helped me negotiate a settlement of {$5500.00}. This payment was made on XX/XX/year>. 

Afterward, I contacted XXXXXXXX XXXX XXXX to inquire about removing the account from my credit report, but they refused to provide any timeline or information. Since this issue prevents me from purchasing another vehicle, I filed a dispute with Equifax on XX/XX/year>, attaching the settlement receipt and satisfaction of judgment. Equifax closed the investigation on XX/XX/year>, without updating my credit report. 

I filed a second dispute with Equifax on XX/XX/year>, including the previous documents and an emailed statement from XXXX XXXX XXXX confirming a {$0.00} balance. However, Equifax closed this investigation on XX/XX/year>, again without updating my report. 

Since then, Ive received court documentation confirming the case is satisfied and an email from XXXXXXXX XXXX XXXX stating the payment was made, yet the account remains unchanged on my credit report. This is critical, as I can not proceed with purchasing a new vehicle until the account is updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adver
se item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I was told I was paying for someone impersonating cash app it ended up being a scam. I sent multiple messages and proof and an automated computer kept writing me with no help. In result someone was able to steal XXXX dollars from me and till this day Im at lost of that money. With NO help of cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I have an account through Current, a financial technology company that works in conjunction with XXXXXXXX XXXX and XXXX XXXX XXXX I received my XXXX back payment on XX/XX/XXXX. Midway through the day I say a notification saying my negative balance has been paid, then I received a bunch of other notifications in rapid succession with the lost one saying the transaction couldn't be completed due to insufficient funds. I found 25 transactions over the course of an hour sucking the money out of my account. All transactions were still pending so I blocked them and called Current who told me they'd stort o dispute. Days later, still no dispute because at the time the transactions were pending and the bank allowed them to be processed despite my shutting it down. I called again and finally got the dispute started, was denied being told I authorized them all. This was my SSI backpay for crying out loud, I need that money ; dubious transactions from a company I'd never heard of and which had no location or phone or even evidence of whot was bought. I escalate claim with proof of no company and no contact, denied. Escalated again per their allowance with a police report. Denied again and told to escalate further only to be told later the case was already closed and absolute refusal to work with me.

Company response to consumer: Closed with non-monetary relief