vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
THIS XXXX ACCOUNT HAS BEEN REMOVE FROM MY REPORT AND INSERTED BACK ON MY REPORT WITHOUT PROPER KNOWLEDGE OF IT. PER FCRA THEY HAVE TO LET ME KNOW FIVE DAYS WITH WRITTEN NOTICE ABOUT REINSERTION. ALSO I HAVE 1099 C FROM IRS WITH CANCELLATION OF DEBT FROM XXXXXXXX XXXX XXXXXXXX. THIS SHOULD NOT BE REPORTING I ITS A TAX WRITE OFF.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Block, Inc.
State: LA

Complaint narrative:
I was being charged for items that I didn't purchase and money being taken off my card randomly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

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
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-01-30 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect addresses XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX XXXX - Incorrect addresses XXXX XXXX XXXX - Incorrect Names XXXX XXXX XXXX - Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: PA

Complaint narrative:
Mohela made remarks on my students loans, and changed accounts # that directly lead to a drop in my XXXX  credit score by XXXX pts. I have already filed dispute reports on XXXX  to restore my credit score. My loans are currently in the Save admin forbearance and no payment is due at this time or for the last 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
XX/XX/XXXX at XXXX I took thier call told them not to call me again, and if I needed anything from them I would call them myself. On XX/XX/XXXX at XXXX they again called me, I did not pick up. 

They have been calling me for weeks and I'm very annoyed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I called portfolio recovery associates on XX/XX/year> and requested the amount owed on the collection account they have for my credit report. They informed me of the amount and I asked how much it would be to be paid in full and removed from my credit report. They informed me it would be {$690.00} for that to happen. So I made the payment in full with my debit card ending is XXXX and the confirmation number they gave me for the transaction is XXXX. The next update on my credit report now shows they updated the amount owed to be {$230.00}. Please get the phone call since it was recorded and see for yourself. They need to be banned as a company for doing illegal practice like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2025-01-30 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: Exto Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date : XXXX XXXX Dispute Resolution Department Subject : Dispute Letter and Notice of Civil Liability under XXXX U.S.C. XXXX Dear XXXX, I am writing to formally dispute inaccurate and/or incomplete information on my credit report maintained by your agency, as permitted under the Fair Credit Reporting Act ( FCRA ). I have identified errors on my credit report that appear to be the result of negligence and non-compliance with your obligations under the FCRA. Pursuant to XXXX U.S.C. XXXX, you are required to exercise reasonable care in handling and maintaining accurate consumer information. Your negligence in investigating and verifying the accuracy of the information on my credit report has resulted in harm and financial distress. Such actions constitute a violation of your duty to ensure the accuracy of consumer reports and comply with FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: DC

Complaint narrative:
I am filing this complaint due to negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by both Experian and XXXX regarding inaccurate late payments and collection accounts on my credit report. 

On XX/XX/2025, I submitted formal disputes to both credit bureaus requesting a reinvestigation of inaccurate, unverifiable, and outdated negative items under 15 U.S.C. 1681i ( a ). Despite providing supporting documentation and requesting proper validation, both companies failed to conduct a reasonable reinvestigation as required by law. 

The inaccurate items remained on my report without proper verification or correction, and I was not provided with any valid proof that the disputed accounts were accurately reported. 

I have taken multiple actions, including : Submitting disputes in writing with supporting documentation Following up with both Experian and XXXX for a status update Requesting a clear explanation of their verification process Asking for proof of accuracy, which was not provided Despite my efforts, the credit bureaus have continued reporting inaccurate late payments and collections, which have negatively impacted my credit score and financial opportunities. Their failure to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) and failure to properly reinvestigate my disputes ( 15 U.S.C. 1681i ( a ) ) constitute negligent violations of the FCRA under 15 U.S.C. 1681o. 

Resolution Sought I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Experian and XXXX noncompliance and require them to : 1. Immediately delete or correct all inaccurate, unverifiable, and outdated late payments and collection accounts 2. Provide documented proof that these accounts were properly investigated and verified 3. Ensure future compliance with FCRA regulations to prevent continued harm If Experian and XXXX fail to comply, I am prepared to escalate this matter further through legal action for damages under 15 U.S.C. 1681n and 1681o.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request for Removal of Charge-Off XXXX XXXX XXXX Account Number : XXXX .... 

Account charged off. {$98.00} written off. {$98.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to a XXXX XXXX account with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX XXXX charge-off. Remove the inaccurate past due balance associated with this charge-off from my credit report. Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Removal of Charge-Off XXXX  XXXX XXXX  Account Number : XXXX .... 

Account charged off. {$98.00} written off. {$98.00} past due as of XX/XX/year>. 

I am writing to formally dispute the inaccurate information being reported on my credit file in regard to a XXXX XXXX account with the account number referenced above. According to my most recent credit report, this account is listed as a charge-off, yet it is still showing a past due balance. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that the information they report is accurate and complete. Reporting a past due balance on a charged-off account is not compliant with federal guidelines, as a charge-off should reflect a XXXX balance since the debt is no longer actively owed by the consumer. 
I am requesting that XXXX take the following actions in accordance with the FCRA : Investigate the accuracy of the reporting of the XXXX XXXX XXXX  charge-off. Remove the inaccurate past due balance associated with this charge-off from my credit report. Please provide me with written confirmation of the results of your investigation. If you require any further documentation or information from me, please let me know at your earliest convenience. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution within the 30 days provided under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-30 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: SC

Complaint narrative:
To Whom It May Concern, FILE # XXXX I am writing to formally dispute the inaccurate information on my TransUnion credit report and to demand immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. 

1. Address Correction You have failed to update my address correctly despite my prior requests. My correct address is as follows : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX I demand that you update my credit file immediately with the correct information and remove any outdated or incorrect addresses that are no longer valid. Failure to do so constitutes a violation of my consumer rights under the FCRA. 

2. Dispute of Negative Accounts & Failure to Properly Investigate Additionally, I am disputing the following negative accounts on my credit report as they are inaccurate and unverifiable : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite previous disputes, TransUnion has failed to conduct a reasonable reinvestigation as required under 15 U.S. Code 1681i. If you can not verify these accounts with proper documentation, they must be deleted from my report immediately. Your failure to comply with this law is an ongoing violation of federal regulations. 

You have also stated that my idenity theft dates dont match to the negative tradeline, how could this possibly be true? You are not investigating properly and breaking federal alw under FCRA.The dates are 100 % vaild to these negative fraudelent tradeline. In fact, the distrubter has no dates to match this tradeline but I have provided that aswell! All attachments are below.XXXX  is in violation of FCRA 15 U.S. Code 1692e and 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) & ( B ). XXXX XXXX has a 90 day late payment in 1 month after they claim I paid the month before, how is this accurate? Its not, If a creditor claims a debt is forgiven or canceled but does not issue a 1099-C, they may be misrepresenting the status of the debt under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ). Never received anything from XXXX, another violation.

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