vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have disputed the Credit Collection account with the credit bureaus and each time they said the collection agency verified the debt as reporting correctly. I am unaware of this account entirely so I am unsure on how the credit bureaus can say this account is reporting 100 % accurately. With that being said, I sent a request for validation, contract with my signature, full account ledger, forward flow agreement and everything Credit Collection has in their possession regarding this debt. I did not receive anything from them. I guess because its easier to verify a debt through XXXX but more difficult to produce documents that proves I am the correct consumer, they have the right to collect the debt, the debt is reporting 100 % correctly and that the amount they claim is in fact due. Since I didn't get anything I am demanding this account to be deleted from my consumer reports. I have took the initiative to reach out to speak with a consumer law attorney regarding this account and I was informed that I could be awarded up to {$3000.00} and my attorney fees would be covered. I am seeking a deletion of this account asap.

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 2025-01-28 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: VA

Complaint narrative:
I filed a CFPB complaint on XXXX and experian stating that they keep saying they have verified my chapter XXXX XXXX as correct because they verified with the court. THIS IS FALSE. I counted the county clerk for XXXX and they stated that the court does not confirm or verify XXXX information with any credit reporting agencies. I l have asked them to provide me the source of their verification and they continue to state that they verified with the court but provide no documentation or proof. They just say it's correct. CFPB for involved just last week and already XXXX and Experian have both electronically sent a message stating that the report is correct. Again with no proof or verification process. They could not have verified with the XXXX XXXX because THE COURTS don't verify. What is going on here? What was the purpose of my CFPB report if the credit agencies spent exactly 5 days to respond with a generic fake response saying the information is correct??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
More or Less I need my title from Kia Finance and Ive been trying to get it from them for 9 months now, and they still have yet to produce it, leading to me not being able to register it in my new state and drive it at all. Started the process in XXXX of XXXX  and supposedly my title is just sitting at the XXXX in XXXX. But KIA Finance has been just sitting on nothing waiting for it to arrive and have made no effort to retrieve it and send it to my DMV in XXXX  so that i can drive my car.

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 2025-01-28 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: CA

Complaint narrative:
Im writing because the inaccuracies on my report are causing real, measurable harm. My score is suffering, and its closing doors to opportunities that I should have access to. Its not fair to be held back by mistakes that arent even mine, and I cant keep dealing with this unnecessary stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against CASHAPP ( Block , INC ) due to inadequate customer service and unfair practices, which violates 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 Regulations 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 2025-01-28 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit report regarding the account with JPMorgan Chase Bank. This account is currently reflected as charged off and inaccurately displays an inflated balance, which does not align with the settlement agreement made between myself and the creditor. 

Specifically, I had entered into a settlement agreement with XXXX and was making monthly payments as agreed. However, the final payment was not deducted from my account and I was unaware of this issue until I recently discovered that the balance reverted to an amount higher than what was agreed upon. Furthermore, my debt has been sold to XXXX different third-party agencies, which is a potential violation of debt collection practices and federal law. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a 1099-K form from Block, Inc. indicating {$1800.00} in payment transactions in XX/XX/XXXX. I have never had a CashApp account nor did I receive these payments. I contacted CashApp, who did provide information about reporting identity theft. However, they refused to close or suspend the account, or even confirm if it was still in use, despite it being opened using my name and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I'm filling a complaint against Cash App ( block , inc ) due to inadequate customer service and unfair practices wich violate the customer 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 has they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. This action have caused significant inconvenience and financial lost and I seek appropriate redress for this violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Westlake Services, LLC
State: OK

Complaint narrative:
Westlake Financial Services is reporting a charge off to my credit report but has yet to provide me a 1099c form.

Under the Internal Revenue Code ( IRC ) Section 6050P, lenders and creditors are legally obligated to issue Form 1099-C when a debt is canceled or written off, ensuring transparency in income reporting and compliance with tax laws.

According to credit report loan was charged off for the amount of {$5500.00}. Please investigate matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

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.

Account name : # XXXX Account name : # XXXX, has violated my rights. 
I looked at my transunion report and noticed XXXX late payments on my accounted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the account ending in XXXX this incomplete and inaccurate I looked at my transunion report and noticed XXXX late payments on my accounted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the account ending in XXXX this incomplete and inaccurate And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-28 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: TX

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-01-28 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:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). I have also reviewed the CFPB lawsuit filed against Equifax, where similar issues were reported regarding disputes and the persistence of inaccurate information on consumer credit reports. I am experiencing the same failures, and I demand immediate attention to my concerns. 
The following errors are present in my credit report : 1Inaccurate Addresses : The only address I have ever resided at is XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX. Any other listed addresses are incorrect and must be removed, including : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX Names : My legal name is XXXX XXXX. The report contains several incorrect variations that must be corrected or removed, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts with Disputed Balances : XXXX XXXX XXXX : Incorrect balance and unresolved disputes. 
XXXX XXXX : Incorrect balance and unresolved disputes regarding XXXX. 
XXXX XXXX XXXX  : Errors regarding the original creditor ( XXXX XXXX XXXX ). 
XXXX XXXX, XXXX : Inaccurate balance and details related to XXXX XXXX XXXX. 
I have disputed these issues before, but my disputes have not been properly resolved. According to the FCRA and reinforced by findings in the CFPB lawsuit, it is your responsibility to ensure the information in my report is accurate, verifiable, and properly investigated. 
Enclosed are the following documents to support my dispute : A copy of my government-issued ID A copy of a utility bill showing my current address Copies of prior correspondence disputing these inaccuracies I request that you immediately investigate these inaccuracies, update my credit file, and provide me with written confirmation within 5 days of receipt of this letter. If you are unable to verify the disputed information, I demand that it be removed from my credit report. 
Please note that I will not hesitate to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if this issue is not resolved promptly. 
I look forward to your immediate response. 
Thank you for your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
The accounts listed below keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following inquiries are unauthorized and unverified but keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
Current ( https : //current.com/ ) sent me a debit card ( received on XX/XX/XXXX ). I did not applied and there was no credit background check. The account number is XXXX called and asked them to close it on XX/XX/XXXXXXXX  however, the customer Service Representative wanted to report the management and the management would decide to close the account after evaluation.

Company response to consumer: Closed with explanation