vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account by XXXX XXXX on my credit report. Despite my previous dispute, your bureau has failed to provide validation or evidence proving the accuracy of this account. 
Accounts : XXXX, XXXX, XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to reinvestigate disputed information to ensure it is accurate and verified. Additionally : 15 U.S.C. 1681s-2 ( a ) requires furnishers, such as XXXX XXXX, to provide evidence supporting their claim that the debt is valid and that they have the right to collect.

15 U.S.C. 1681e ( b ) requires your bureau to maintain procedures that ensure the accuracy of the information you report.

In this case, no validation or chain of assignment has been provided, and the debt remains unverified. The lack of proper validation or verification of this account indicates a violation of my rights under the FCRA.

Requested Action : Remove this unverified account from my credit report immediately.

Provide written documentation of your reinvestigation and the evidence you used to verify the accuracy of the account.

If this account can not be verified in compliance with the FCRA, it must be deleted from my credit report. Failure to act promptly may result in further regulatory complaints to the CFPB, FTC, or legal action for violations of my rights under the FCRA.

Thank you for addressing this matter. I expect a response within the timeframe required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Subject : Complaint Regarding Improper Reporting of Child Support Obligations by XXXX, XXXX, and TransUnion To Whom It May Concern, I am writing to formally request the removal of child support information from my credit reports maintained by XXXX, XXXX, and TransUnion. My contention is that child support obligations are not loans or revolving credit and, as such, should not be reported as credit accounts. The inclusion of this information misrepresents my credit profile and adversely affects my creditworthiness.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) Accuracy and Relevance of Information : 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting child support as a credit obligation does not accurately reflect the nature of this responsibility and may lead to misleading interpretations of my creditworthiness.

2. California Family Code 4701 Reporting of Child Support Obligations : This statute requires the Department of Child Support Services to administer a statewide automated system for reporting court-ordered child support obligations to credit reporting agencies. However, the intent is to report delinquencies to aid in enforcement, not to classify child support as a traditional credit account. The current reporting method conflates legal obligations with credit liabilities, which is not the statute 's purpose.

Precedent Supporting Non-Classification as Credit : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ), the XXXX XXXX Court of Appeals held that obligations not arising from a consensual credit transaction could not be reported as traditional credit accounts. While this case pertained to towing fees, the principle applies : non-consensual obligations, such as child support, should not be treated as credit accounts.

Request for Action : I respectfully request that the CFPB : Investigate the practices of XXXX, XXXX, and TransUnion concerning the reporting of child support obligations.

Require these agencies to remove child support information from my credit reports, as it does not constitute credit under the definitions provided by relevant laws and precedents.

Ensure that future reporting distinguishes between legal obligations and credit accounts to prevent misrepresentation of consumers ' credit profiles.

Please confirm receipt of this complaint and inform me of the actions that will be taken to address this issue. I appreciate your prompt 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 explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Subject : Complaint Regarding Improper Reporting of Child Support Obligations by Equifax, XXXX, and XXXX To Whom It May Concern, I am writing to formally request the removal of child support information from my credit reports maintained by Equifax, XXXX, and XXXX. My contention is that child support obligations are not loans or revolving credit and, as such, should not be reported as credit accounts. The inclusion of this information misrepresents my credit profile and adversely affects my creditworthiness.

Legal Basis for Removal : 1. Fair Credit Reporting Act ( FCRA ) Accuracy and Relevance of Information : 15 U.S.C. 1681e ( b ) : This section mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Reporting child support as a credit obligation does not accurately reflect the nature of this responsibility and may lead to misleading interpretations of my creditworthiness.

2. California Family Code 4701 Reporting of Child Support Obligations : This statute requires the Department of Child Support Services to administer a statewide automated system for reporting court-ordered child support obligations to credit reporting agencies. However, the intent is to report delinquencies to aid in enforcement, not to classify child support as a traditional credit account. The current reporting method conflates legal obligations with credit liabilities, which is not the statute 's purpose.

Precedent Supporting Non-Classification as Credit : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), the XXXX XXXX Court of Appeals held that obligations not arising from a consensual credit transaction could not be reported as traditional credit accounts. While this case pertained to towing fees, the principle applies : non-consensual obligations, such as child support, should not be treated as credit accounts.

Request for Action : I respectfully request that the CFPB : Investigate the practices of Equifax, XXXX, and XXXX concerning the reporting of child support obligations.

Require these agencies to remove child support information from my credit reports, as it does not constitute credit under the definitions provided by relevant laws and precedents.

Ensure that future reporting distinguishes between legal obligations and credit accounts to prevent misrepresentation of consumers ' credit profiles.

Please confirm receipt of this complaint and inform me of the actions that will be taken to address this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: Chime Financial Inc
State: MO

Complaint narrative:
On Friday, XX/XX/XXXX I started getting messages from Chime about three charges made from XXXX. Asking me if these charges were me and if I made them. I immediately responded. No, they were not me and then intern received a corresponding text message saying that the charges were blocked and no funds were deducted from my account when in fact, all of the funds were deducted from my account and the transaction was not blocked. Have screenshots of all text messages proving this. They still have yet to give me my money back totaling XXXX. Two XXXX dollar charges and a {$250.00} charge. What is the point of an alert message from a bank asking if the charge is you or if its fraud when even when you respond No, it does nothing and doesnt block anything, then in return to get a corresponding message saying that the transaction was blocked and no funds were deducted from your account, which was clearly false Makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery calls repeatedly, Monday thru Sunday and at all times of day and night. A letter to the CEO has been sent out via US mail with a non response, non response is absolvement of any obligation, silence is acquiescence/agreement/dishonor. The letter included a notice of conditional acceptance, requesting validation of the alleged debt, verification of the claim against private party in private status capacity as well as proof of claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: MO

Complaint narrative:
I was contacted by Shepherd Outsourcing ( XXXX XXXX XXXX, XXXX, SC XXXX ) ( XXXX ) with a letter dated XX/XX/XXXX saying that they were trying to collect a debt for {$2200.00} reference # XXXX for XXXX XXXX XXXX, XXXX, listing them as the current creditor and providing a reference # of XXXX. The original creditor was listed as XXXX XXXX  with a original account # ending in XXXX. I have never heard of nor from either of these two businesses. I contacted them through certified mail requesting validation of debt and stating that had never dealt with either company and did not owe this money. It was received on XX/XX/XXXX. I received communication from them dated XX/XX/XXXX providing me with a bill of sale for the naming XXXX XXXX XXXX XXXX as [ XXXX XXXX ] [ XXXX  ] on behalf of XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as the buyer of the loan Shepherd was trying to collect. It also provided me with a delinquent payment schedule with monthly payment amount of {$130.00} that I have never made from any of my bank accounts. I wrote back, sending that communication via certified mail which was received on XX/XX/XXXX stating that the debt that they were trying to collect was not mine. I also requested them to verify the Social Security Number and the birth date of the person who signed the contract and asked for the signature as well. I never heard back from Shepherd Outsourcing. I just found out that their reaction to this request was to sell that debt to another debt collector, XXXX XXXX XXXX XXXX XXXX . who is now trying to collect the debt from me. I've conducted all of my communication through certified mail and it is getting both expensive and frustrating. I would like to not be contacted for this debt again. It is not my debt. I can prove it with bank records, but easier than this, they could have ruled out my involvement in this debt with the verification of the Social Security number and or the birth date from the original loan application, however, failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AL

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPBs recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience.

I previously disputed the following information on my Equifaxs credit report : XXXX XXXX account number XXXX. Never late XXXX ACCOUNT NUMBER XXXX XXXX  account number XXXX XXXX account number XXXX. Never late Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.

I look forward to receiving a response within 30 days, as required under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear CFPB I am writing to formally dispute an item in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681 ( o ), which establishes civil liability for negligent noncompliance with the provisions of the FCRA. This law holds entities accountable for improperly handling or failing to properly investigate information that negatively affects my credit history.

As outlined in 15 U.S.C. 1681 ( o ), if an entity fails to comply with the investigative requirements or correct errors in a timely manner, they are liable for the consequences of that failure. I believe that the incorrect information not only negatively impacts my credit score but also violates my rights under the FCRA.

I kindly request that an immediate investigation be conducted into this matter and that corrective measures be taken to rectify any inaccuracies in my credit report. If this matter is not resolved promptly, I reserve the right to pursue any necessary legal actions under the law.

I look forward to your prompt resolution of this issue. Thank you in advance for your attention and cooperation.

Sincerely

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
my account was cleared after a year but yet they held {$500.00} in my account for a year while i could not access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am writing this letter to dispute a recent credit report listing on my account, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FRA ).

According to the FCRA, 15 USC 1681 et seq., I am entitled to a fair and accurate credit report.

Specifically, section 1681e ( b ) of the FCRA requires that credit reporting agencies must use reasonable procedures to ensure the accuracy of information contained in my credit report. 

Given the recent XXXX data breach, which exposed sensitive personal information of millions of individuals, I am particularly concerned about the security of my personal data and the potential for identity theft. Therefore, I request additional verification of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX ( Late Payment ) XXXX XXXX XXXX Balance XXXX Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$3800.00} Balance updated XX/XX/XXXX Original balance {$8100.00} Account info Account number XXXX Open/closed Closed XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX Account number XXXX Date opened XX/XX/XXXX ( Late Payment ) XXXX XXXX XXXX Balance XXXX Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX/ Balance {$3800.00} Balance updated XX/XX/XXXX Original balance {$8100.00} Account info Account number XXXX Open/closed Closed XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation