vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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: SC

Complaint narrative:
I have been requesting documentation from all XXXX of the credit bureaus to find out. How are they lawfully? 
Going to put information on my credit report. That does not have anything to do with a credit transaction, nor is it a judgment, nor is it a public record.. to this day, I have not gotten anything. The acct is the office of the Attorney General acct # XXXX, federal law always supersedeState and state law always supersedes procedure. How can the credit reporting agencies uphold something that is unlawful,, the reporting of child support is a violation of the separation of powers. Separation of powers is a constitutional law doctrine that divides the government into branches with separate powers and responsibilities. The purpose of this system is to prevent any one branch from becoming too powerful. I'm not saying a person should not pay or or take care of the child. But i'm saying the reporting of it on your credit report is illegal. A person that doesn't know there rights has no rights. How can the reporting of child support the lawful? When your own case law says that it is not, and yes, child support is a violation of the constitution.This has already been proven, it has nothing to do with a credit transaction. So, how is it on my credit report?? When child support comes back verified, my question is this. How can child support comeback verified? When your own case law states that it should not even be on your credit report? This means that an investigation was not done. Failure to investigate is a violation. There is a manner from TransUnion itself. That states, important notice credit reports for collections. Of delinquent, child support judgment finds, and leans are no longer permitted, it says that federal courts recently have issued rulings on the use of Consumer Reports for the collection of child support under the FCRA fair credit reporting act the three credit reporting agencies knew that ever since 2007 that child support is not supposed to be reported on a consumer 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
Consumer complaint received 2025-02-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **Credence Resource XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : Account Number XXXX To Whom It May Concern : This letter is a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the debt you are attempting to collect and requesting the following information : XXXX. **Proof of Chain of TitleXXXX : Provide documentation proving that XXXX XXXX XXXX is authorized to collect on this debt. This must include a complete and clear chain of title demonstrating how the debt was transferred to your company. 

XXXX. **Signed Contract** : Provide a copy of the signed contract or agreement between myself and the original creditor that grants you permission to collect this debt.

3. **Payment History** : Provide a detailed, itemized list of all payments made on this account, including dates, amounts, and the entity to which payments were made.

4. **Insurance Claims** : Disclose any insurance claims filed or payments received related to this debt.

5. **Violations and Damages** : If any violations of the FDCPA or other consumer protection laws have occurred during your collection efforts, I demand {$1000.00} per violation as provided under 15 U.S.C. 1692k.

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request within 30 days of receipt of this letter will result in further legal action.

Additionally, I demand that all communication regarding this matter be in writing and sent to the address above. Do not contact me by phone or email.

This letter serves as notice that I am disputing this debt and requesting validation. If you fail to provide the requested information within 30 days, I will consider this matter resolved and will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and any other relevant regulatory agencies. 

Sincerely, 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 2025-02-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : Account Number XXXX To Whom It May Concern : This letter is a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the debt you are attempting to collect and requesting the following information : 1. **Proof of Chain of Title** : Provide documentation proving that XXXX XXXX XXXX is authorized to collect on this debt. This must include a complete and clear chain of title demonstrating how the debt was transferred to your company. 

XXXX. **Signed Contract** : Provide a copy of the signed contract or agreement between myself and the original creditor that grants you permission to collect this debt. 

XXXX. **Payment History** : Provide a detailed, itemized list of all payments made on this account, including dates, amounts, and the entity to which payments were made. 

XXXX. **Insurance Claims** : Disclose any insurance claims filed or payments received related to this debt. 

XXXX. **Violations and Damages** : If any violations of the FDCPA or other consumer protection laws have occurred during your collection efforts, I demand {$1000.00} per violation as provided under 15 U.S.C. 1692k. 

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request within 30 days of receipt of this letter will result in further legal action. 

Additionally, I demand that all communication regarding this matter be in writing and sent to the address above. Do not contact me by phone or email. 

This letter serves as notice that I am disputing this debt and requesting validation. If you fail to provide the requested information within 30 days, I will consider this matter resolved and will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and any other relevant regulatory agencies. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
identify you and your account.

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 proce 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 2025-02-02 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 the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). Specifically, CashApp 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,,,,,,, ,My CashApp info : ( XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A dispute was filed with Equifax for a progressive insurance amount for {$60.00} that was already PAID through the state of Georgia department of revenue. Equifax did NOT provide any information or research on why is wasnt removed and why it still remains. I will Not make a double payment when I TRUTHFULLY AND HONESTLY paid this bill. I want it removed. In XXXX XXXX, Georgia, insurance fines can include fees for lapsed insurance and traffic tickets. I paid a total of {$80.00} toward progressive and {$20.00} to renew my tag in 2024. This is old and XXXX tired of these fake creditors not properly investigating the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 non-monetary relief
Consumer complaint received 2025-02-02 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: TN

Complaint narrative:
I am filing a complaint against Trans Union, LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Trans Union, LLC consistently responds within 24 hours stating the account is 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, Trans Union LLC '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 the account is 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, Trans Union, LLC '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Trans Union, LLC complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate. 

XXXXXXXX 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

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 2025-02-02 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:
A XXXX, XXXX, XXXX, and XXXX  days late need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One Bank intentionally prevented me from earning much higher interest payments due to a frozen Annual Percentage Yield ( APY ) by means of fradulent, intentional business practices. 

Capital One introduced the new " XXXX XXXX XXXX '' account in 2019, and retired the " XXXX XXXX '' account. ( Note the difference of only ONE WORD in the name. ) New customers are not able to sign up for the " XXXX XXXX '' account, as it no longer exists, EXCEPT for the customers who already had accounts. 

Instead of rolling over the " XXXX XXXX '' customers into the " XXXX XXXX XXXX '' account, thus, changing their annual APY % to that of the new plan, they kept those old customer accounts active. Those who were not told explicitly that there was a new plan coming out, did not know that they needed to MANUALLY close the old account, and sign up for the new one, so they could earn the higher APY rate. 

The APY of the old plan remained around 0.3-0.5 %. The new plan remained around 4 %. A substantially higher rate. Us old customers were frozen at the old APY rate. 

They intentionally did not notify their customers with the XXXX Savings that they needed to open a XXXX XXXX account. There should have been an automatic account rollover for the current customers to the new XXXX XXXX XXXX account, considering it is the same in every way, despite the APY rate. That is absolutely on purpose, and they were banking on the customer profile, people who are not actively checking their accounts and making note of every single APY change. 

I have recently contacted them, acquired all of my bank statements, and let them know that this happened to me. I asked them if they would pay me the retroactive payments ( what I SHOULD have earned in interest ) if they had transferred me to their updated plan. They said no. However, they said I could transfer over my account now, which of course, not wanting to lose out on any other interest, I did. Now I am earning the new account 's interest rate. It's about time. 

I would like to reiterate. Their old customers were purposely kept in the OLD SAVINGS PLAN, not told they needed to switch, and not rolled over to the new APY rate and name change. This is incredibly fradulent and with malicious intent to prevent paying more to their customers. 

They should be ashamed, considering how much they flaunt having one of the highest interest rates of any bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-02 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Credit Report Dispute Incorrect Reporting of Account Status Dear Experian Dispute Department, I am writing to formally dispute an inaccuracy on my credit report regarding an account with XXXX XXXX XXXX XXXX. Upon reviewing my report, I noticed a factual error that needs to be corrected immediately. 

The report states that my account has a past due balance of {$33000.00} as of XX/XX/XXXX. However, this information is inaccurate because the account was charged off in XX/XX/XXXX, and no further payments or activity have occurred since that time. Since a charge-off means the creditor has already written off the debt as a loss, the account should not still be accruing a past-due balance for XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. I request that you immediately investigate and correct this inaccuracy by removing the incorrect past-due balance or updating the status to reflect the correct charge-off date without continued reporting of a past-due amount. 

Please provide a written response detailing your findings and any actions taken. If you require any additional information from me, do not hesitate to reach out. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-02-02 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Credit Report Dispute Incorrect Reporting of Account Status Dear Experian Dispute Department, I am writing to formally dispute an inaccuracy on my credit report regarding an account with XXXX XXXX XXXX XXXX. Upon reviewing my report, I noticed a factual error that needs to be corrected immediately. 

The report states that my account has a past due balance of {$33000.00} as of XX/XX/XXXX. However, this information is inaccurate because the account was charged off in XX/XX/XXXX, and no further payments or activity have occurred since that time. Since a charge-off means the creditor has already written off the debt as a loss, the account should not still be accruing a past-due balance for XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. I request that you immediately investigate and correct this inaccuracy by removing the incorrect past-due balance or updating the status to reflect the correct charge-off date without continued reporting of a past-due amount. 

Please provide a written response detailing your findings and any actions taken. If you require any additional information from me, do not hesitate to reach out. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have repeatedly requested for an original contract with my wet signature and have never received this validation.

Company response to consumer: Closed with explanation