vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
On XX/XX/year>, I filed formal disputes with Experian and Equifax regarding multiple inaccurate charge-off accounts on my credit report. These accounts had already been removed from XXXX, yet Experian and Equifax continue to report them, creating inconsistencies and inaccuracies in my credit profile. 

The disputed accounts include charge-offs from XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my efforts to correct this information, Experian and Equifax have failed to conduct a proper reinvestigation as required by FCRA 1681i and continue to report these accounts inaccurately.

Actions Taken Multiple dispute letters were sent to Experian and Equifax, requesting verification and removal. 

A formal complaint was filed with the Texas Attorney Generals Office on XX/XX/year>, urging them to investigate Experian and Equifax for failing to ensure accurate reporting under FCRA 1681e ( b ).

A final dispute notice was sent to Experian demanding the removal of these inaccurate accounts and warning of legal action if they fail to comply. 

Despite these steps, Experian has responded stating that they will not remove these accounts, even though XXXX has deleted it. This is a direct violation of my rights under the Fair Credit Reporting Act, as Experian has failed to provide proper verification while continuing to report unverifiable information. 

Requested Resolution To resolve this issue fairly and in compliance with FCRA regulations, I request the following : Immediate removal of all disputed charge-off accounts from my Experian and Equifax credit reports.

A written explanation from Experian and Equifax detailing their verification process for these accounts and why they are reporting inconsistently.

Updated credit reports reflecting accurate information to ensure consistency across all three major credit bureaus.

A formal assurance that these accounts will not be reinserted into my credit file after deletion.

Experian and Equifax have had ample time to comply with my requests and have failed to do so. Their continued noncompliance is causing financial harm and negatively impacting my ability to obtain credit. I request the CFPB to enforce corrective actions and hold these credit reporting agencies accountable for violating my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Servatus Corporation
State: IL

Complaint narrative:
This company bought my debt in XXXX and added this debt to collections on my credit report in XXXX. When the debt was added I got notified and this was when I first found out about this company. XXXX I was never contacted once, they never tried to settle this debt before adding it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
This lender has uploaded massive numbers of pages which are unrelated to this loan or the lender 's obligation to cancel PMI. This appears to be intended to overwhelm any reviewer at the CFPB and distract from the violation at hand. 

Due to improvements in my home, we obtained a BPO to assess the current value. The lender charged us {$150.00} for this BPO The BPO stated that the home is worth {$710000.00}. The current value of the loan is {$460000.00}. This puts the LTV at 65 %, well below the 78 % threshold. Fay Servicing has been unable to remove the PMI in accordance with our request over a period of six months due to outdated and archaic systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
I have over XXXX XX/XX/XXXX of charges missing from my account, I had to file three disputes from my bank current. its I'm going two cards already, please investigate this bank, they say my bank is safe but it's isn't!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
A few months back I disputed a company by the name of XXXX XXXX XXXX with Experian. When I disputed this company with Experian I requested for them to provide me with PROPER documentation that would solidify their reasoning in believing his debt is owed by me. THIS DEBT IS NOT OWED BY ME, The debt is not with any of the credit bureaus expect Experian which is HIGHLY SUSPICIOUS and they have not provided with any documents or wet signatures requested by me. This leads me to believe that Experian has conducted a improper and unethical investigation of this account because its deemed verified without providing me the documentation I requested. This is affecting my day to day life in a negative light.

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 2025-03-01 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: TN

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXXnquired on XX/XX/year>XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXXXXXX XXXX Inquired on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX  Inquired on XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX {$3800.00} XXXX  XXXX Balance : {$120.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXXnquired on XX/XX/year>XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXXXXXX XXXX Inquired on XX/XX/year>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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190000.00} XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$190000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$10000.00}

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 2025-03-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Fig Tech Inc.
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 am requesting an investigation into certain accounts and inquiries on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. Accounts can not be reported without proper authorization, and outdated negative information must be removed. Additionally, data furnishers are required to ensure all reported details are correct. If the disputed items can not be fully verified with supporting documentation, they should be deleted immediately. Please review these inaccuracies and provide written confirmation of your findings and any corrective actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I've observed a collection entry from your agency that I was never previously informed about, and I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt, and I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief