vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-22 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-22 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:
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 non-monetary relief
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I disputed the following inaccurate information on my Equifax credit report : 1. Date of Birth Incorrectly listed, despite submitting valid proof of my identity.

2. Address Incorrect address listed on my report, even though I have provided official documentation confirming my current and correct address. 
XXXX. XXXXXXXX XXXX Account I have disputed the presence of this account, as it does not belong to me. I provided supporting documentation requesting its removal, yet Equifax refuses to take action. 

Despite submitting the necessary documents proving my identity and supporting my dispute, Equifax has failed to correct my credit report. This failure to update my personal information and remove inaccurate account information is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure accuracy and conduct reasonable investigations into disputes.

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 2025-03-22 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:
I demand the swift removal of these inaccuracies from my credit report. These entries violate t

he Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met. Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of
the FCRA. Legal action will be pursued if these errors arent swiftly removed.

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Scams and Phishing : Fraudsters often use Cash App to trick individuals into sending money by impersonating Cash App support or other trusted entities. 
XXXX XXXX : Scammers often use emotional manipulation or fake offers ( like free money or rewards ) to convince users to send funds or share account details. 
Fake Cash App Links : Users might click on fake websites or links that appear to be official Cash App websites, leading to identity theft or malware. 
Peer-to-Peer Transactions : Because Cash App operates as a peer-to-peer payment system, once money is sent, it is difficult to reverse transactions, making it an attractive target for scams where the sender is deceived

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> I was the victim of a fraudulent ATM withdrawal of XXXX. I never take this amount of cash out, have never been to the location where it happened, and was no where near that town that day. USAA then notified me and sent out a new card after shutting off my then current debit card. They issued a credit and then took that credit back, stealing my funds yet again but this time I was a victim of USAA. They sent a letter saying I could request the findings but they have yet to do so. I am now in process of trying to recover this money but they have not been of any help. I spent an additional one hour on the phone with them yesterday with no resolution in place.

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 2025-03-22 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: PA

Complaint narrative:
I am submitting this complaint against Equifax due to inaccurate and unverifiable information appearing on my credit report. I submitted a formal dispute requesting validation and removal of several accounts that are reported as derogatory, charged-off, or delinquent without adequate documentation. 

Equifax failed to provide evidence verifying these accounts or correct the inconsistencies, including inaccurate balances, dates of last activity, payment history, and account statuses. Additionally, some entries violate Metro 2 formatting and Fair Credit Reporting Act ( FCRA ) guidelines. These errors are negatively impacting my creditworthiness and financial opportunities. 

Key Issues : Inaccurate reporting of account statuses and payment history No proof of permissible purpose or debt validation Noncompliance with Metro 2 standards Failure to investigate and correct disputed information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: GA

Complaint narrative:
My ex girlfriend, XXXX XXXX, enrolled into XXXXXXXX XXXX XXXX XXXX  and we took a loan out through the school with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The school had a breach of contract and never followed through with the education the loan was taken out for. In XXXX of XXXX, I filed in XXXX XXXX XXXX XXXX XXXX XXXX a breach of contract lawsuit against the school for the loan. In XXXX of XXXX, XXXX County Judge ruled the school was in default and ordered a default judgment for the loan amount. Ive tried time and time again to get the loan and court paperwork pushed through, but the School will not return any calls and XXXX XXXX, XXXX will not remove the debt and keeps adding interest charges and continues to report agains my credit, destroying my credit score. XXXX  even sent me to collections with Simm Associates , INC. Now, Simm Associates , INC. is a Debt collector working for XXXX XXXX sending me collection notices and hitting my credit score for failure to pay said loan...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: SC

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 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 2025-03-22 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-22 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account XXXX : XXXX XXXX # XXXX - Date Opened XX/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 non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I went to XXXX to put to together a special order I sat with the customer service rep for over 45 minutes to make sure the order was going to be delivered on time. I told the cashier I had two forms of payments, I only had XXXX on my card so I slide my card and then handed the cashier cash to pay the remaining balance the cashier then informed me that I could not make cash payments on that register. I told the cashier that I could run to the closest store to load that money onto my card. She said no its okay and then voided/suspended or just transferred my information to another register. They then pulled up my order but it was the total amount of XXXX I told the cashier the money never went back to my card and she told me if it didnt go back it would act as a refund and it should be back on my card within 10 business days. I went back to the same XXXX to try and get any information I could to help me dispute the transaction with cash app. XXXX could not find the charge nor could they give me anything to help besides a 90 day transaction history of the card I used. I had an investigation done by XXXX XXXX investigation team and they could not provide me with anything. I disputed the transaction with cash app 4 times now and again it was denied. I dont know what else to do to try and prove to cash app that it was an authorized charge on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX i deposited XXXX into a capital one branch in XXXX ny on XXXX XXXX. The machine was having malfunction problems where my cash did not deposit onto my account. The machine provided an error code # which i have input multiple times to clear my problem. Bank is not providing back the money which now im having to write multiple letters and call all over and still not get nowere. The er # 's were e:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Kovo regarding a fraudulent account ( Account Number : XXXX ) that they are reporting under my name. I discovered this account shortly after my release from federal prison on XX/XX/XXXX. This account is completely fraudulent, as I was incarcerated from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained a credit account during that time. Additionally, I have never lived at the address associated with this account. 

I have repeatedly requested documentation from Kovo, and they continue to claim that the requested data is " coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this matter and take action to ensure that Kovo : Removes this fraudulent account from my records immediately. 
Ceases all credit reporting of this account. 
Provides documentation supporting their claim, if any exists. 
Their failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. 

I have attached supporting documents, including : Proof of my incarceration from XX/XX/XXXX, to XX/XX/XXXX. 
My formal dispute letter sent to Kovo. 
Please let me know how I can proceed further. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I submitted a deferral request to Lexus Financial for XXXX months deferral. The deferral was accepted and they requested me to submit a sign deferral agreement that they sent electronically and said would be applied to the account within XXXX hours and a fee to be paid prior to the deferral would be applied to my account. I submitted and completed the requested actions to Lexus Financial on XX/XX/XXXX and XX/XX/XXXX and it is now XX/XX/XXXX and they are still contacting me via collection calls and are stating that they account is still passed due and is literally harassing me. The account should have been updated as there is proof of payment as well as the receipt of the electronic documents being received. My account is still accruing past due days and fees. This is also still affecting my credit as well as my finances and now due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My issue is not necessarily with the company. My issue is with how information is reported for mortgage loans. Mortgage companies can sell mortgages at will, which directly affects customers who hold those loans. When my previous mortgage holder sold our mortgage, that payment history just went away negatively affecting our credit. The age of our credit history is therefore incorrect because the years that we had that mortgage are no longer considered. Years of positive payment history is just gone. If nothing else, we need to know who to contact to change the regulations on how credit gets reported to the credit bureaus to make them more accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I am requesting the immediate removal of inaccurate information from my credit report, as it violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 7 ), I have the right to submit a dispute statement, which must be included in my file if the inaccuracies remain uncorrected. I am prepared to exercise this right if needed.

Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from reporting inaccurate information they know or should know is wrong. It is clear that this standard has not been upheld in my case. Additionally, Section 623 ( a ) ( 4 ) requires furnishers to notify the credit agency of any dispute initiated by me. I expect this to be done immediately.

Finally, Section 611 ( a ) ( 6 ) mandates a written notice detailing the results of the investigation. I expect to receive this within the 30-day legal timeframe, outlining the actions taken or reasons for refusal.

Company response to consumer: Closed with non-monetary relief