vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have been in contact with the debt collector for the companies multiple times and have shown and explained that the identity of the account was not myself due to the fact that when the accounts were originally opened I was not in a position to have done such, due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have pretended to investigate and only respond with the fact that they have verified that I own the accounts in question. But refuse to show me any proof in written form or any other form

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XX/XX/XXXX I sent a dispute letter about 7 accounts from the same creditor ( XXXX XXXX ). I took out a consolidation and settled every delinquent account. The bank its self sent the checks to each creditor. The bank gave me a letter as confirmation and detailed what was done. I mailed my letter and copy of the bank 's letter with cleared checks to show proof that the debts were paid. 
On XX/XX/XXXX All three credit bureaus deleted the debts, but they all appeared again XX/XX/XXXX. 

The cycle continues to this day. Every time I dispute with proof that the debt is not mine or incorrect, they either ignore or delete and add it again the following year. 
It has kept my scores at XXXX for 10 years. There is no reason my score should remain under XXXX with steady payment history. 
I was denied a mortgage 13 times. This is also documented. I was finally granted a mortgage through a large down payment and proving to the lender that my credit should be higher. 
I have a large packet that I have kept with dates and responses from each bureau. I have been treated unfairly by each bureau, including 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/XXXX I sent a dispute letter about 7 accounts from the same creditor XXXX XXXX XXXX XXXX I took out a consolidation and settled every delinquent account. The bank its self sent the checks to each creditor. The bank gave me a letter as confirmation and detailed what was done. I mailed my letter and copy of the bank 's letter with cleared checks to show proof that the debts were paid. 
On XX/XX/XXXX All three credit bureaus deleted the debts, but they all appeared again XX/XX/XXXX. 

The cycle continues to this day. Every time I dispute with proof that the debt is not mine or incorrect, they either ignore or delete and add it again the following year. 
It has kept my scores at XXXX for 10 years. There is no reason my score should remain under XXXX with steady payment history. 
I was denied a mortgage 13 times. This is also documented. I was finally granted a mortgage through a large down payment and proving to the lender that my credit should be higher. 
I have a large packet that I have kept with dates and responses from each bureau. I have been treated unfairly by each bureau, including XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
- Cash App 's Incorrect Claim of Resolution and Case Mix-up Previous Complaint Summary : - Cash App account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cash App support ( XXXX XXXX XXXX claimed resolution and closed internal case incorrectly ( referenced wrong case number XXXX ) - Actual case number XXXX remains open, dispute unresolved - Escalations pending : FTC complaint filed, XXXX complaint submitted, XXXX  Consumer Assistance notified Cash App 's erroneous claim of resolution and case mix-up indicate potential negligence and unfair practice. Requesting CFPB intervention to : 1. **Investigate Cash App 's handling of disputed transactions** 2. **Ensure prompt reimbursement of remaining XXXX XXXXXXXX XXXX. **Review Cash App 's internal dispute resolution processes** Consumer Details : - Name : [ Your XXXX XXXX - Cash App Username : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to CFPB requesting that the reporting companies investigate the reporting the account listed below. I requested creditor provide a copy of the 1099-C since they added a Charge Off to my credit report. The original submittal is down below. The request was also sent certified mail to the creditor 's address listed on my credit report and I have yet to receive the 1099-C. I do believe it is my right to have the 1099-C provided to me legally. If the debt has been charged off and I am due a 1099-C that has to be reported as income now and reporting agencies do not report income how is is the charge off still appearing on my credit report? 

I want the charge off removed from my credit report or I will be suing for damages under the laws within the FCRA. 

ORIGINAL REQUEST with creditor 's name, address and the account number XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hope this letter finds you well. I am writing to formally request a copy of the IRS Form 1099-C for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps I need to take to facilitate this process, kindly let me know. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: PA

Complaint narrative:
I am filing this complaint to dispute a late payment reported by XXXX XXXX  on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-09 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: PA

Complaint narrative:
I am filing this complaint to dispute a late payment reported by XXXX XXXX  on my credit card account XXXX. Under 15 U.S.C.1666 B, creditors are prohibited from treating a payment on a credit card account as late for any purpose under an open-end consumer credit plan if specific conditions are not met. The reported late payment violates this provision In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
NOTICE TO AGENTS IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE

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 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Hello, I am still experiencing issues with my ITIN not being correctly reflected in the personal details of my American Express account, I believe my previous complaint may not have been sufficiently clear. American Express has a policy of reporting ITINs to credit bureaus in the same way as SSNs, meaning an ITIN can fully replace an SSN.

To clarify, please do not confuse an ITIN with an EIN. Individual Taxpayer Identification Numbers ( ITINs ) are for individuals who are not eligible for a Social Security Number ( SSN ), while Employer Identification Numbers ( EINs ) are for businesses. ITINs serve as a replacement for SSNs in such cases.

My ITIN should be added to my file in place of an SSN, just as American Express successfully did for my husband. 

I will consider this issue resolved when I can access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my American Express web portal. This will confirm that the ITIN/SSN has been properly added to my account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Back in XXXX, I moved into the XXXXXXXX XXXX XXXX XXXX XXXX. I lived there for 2 years and experience unlivable living conditions. There was mold in the vents, furniture broken and torn, mold in the bathrooms and maintenance wouldnt help fix any of the issues my roommates and I submitted requests for. I told the apartment I wouldnt pay rent if they didnt hold up their end of the lease and help make our apartment at least liveable. We were getting sick every week because of the mold in our vents. Southern Management Systems then added on a housing debt of over {$2000.00} and wouldnt do anything to help investigate the situation. You can look up the apartments on XXXX  and see the XXXX star rating they have and many other XXXX who have also dealt with unlivable matters. I had even gone into litigation with the company which got the debt taken off my credit in XXXX XXXX XXXX  but then somehow got put back on my credit thus making it difficult to get an apartment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
This company is running the perfect scam. I signed up for a care credit card with the guarantee that I would not be charged interest if my balance was paid off within a certain period of time. I set up autopay to make sure that my payments would always come out and my balance would be paid off in time. Well the autopay took out inconsistent amounts, so while a huge chunk of my balance was paid off, it did not completely pay off my balance by the deadline. So without warning, a massive interest charge for the entire original balance was added. That, along with continuing interest charges, have brought my balance back up to where it started, like I haven't made any payments at all for the last 2 years, even though I haven't used the card again since the original time I used it. So something that I thought was handled, has turned into a massive ongoing problem. Definitely immoral and a scam.

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 2025-01-09 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: WI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 non-monetary relief
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
I am filing a formal dispute regarding Experians 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 CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Issue : Error in Amount and Alleged Debt Status Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian 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 Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians 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 Experian or 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 Experian 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.

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 2025-01-09 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: LA

Complaint narrative:
The Credit bureaus stated Account Name & Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my wtten instructons.

I haven't given these accounts written permission to furnish these accounts on 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 explanation