vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, I have something on my credit report that a adult I trusted used, I have just turned 18 and They fraudulenty used my credit to get a home and name, now I have a eviction on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, a similar credit reporting institution, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, acceping unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
There are accounts that were supposed to be deleted from my account as they were not mine and fraudulent from both XXXX XXXX and Equifax. Nothing has been done And they keep verifying these accounts they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute the following information in my file. I have reviewed my credit report and have found inaccurate information regarding a debt collection account. 

The item I am disputing is : - Account Name : NATIONAL RECOVERY AGENCY - Account Number : XXXX - Amount : {$1300.00} This account is inaccurate because [ provide a brief explanation of why the information is incorrect. For example, " I have already paid this debt in full, '' " This is not my account, '' or " The amount is incorrect '' ]. Enclosed are copies of [ describe any enclosed documents, such as payment records, letters from the creditor, etc. ] supporting my position. Please investigate this matter and correct the inaccurate information as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this information investigated and corrected. Please notify me of the results of your investigation and provide me with a corrected copy of my credit report. 

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 2025-01-23 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: FL

Complaint narrative:
Im incredibly disappointed and frustrated by the ongoing errors in my report. These inaccuracies are tanking my score, creating unnecessary setbacks, and depriving me of better opportunities. Its infuriating to feel stuck because of information that doesnt belong there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Notice to Principal is Notice to Agent-Notice to Agent is Notice to Principal This is a form of " Conditional Acceptance '' to the commercial estate or natural to exemplify the falsehood and misrepresentation, observed as defamation of character ; but the allowance of the said debt to the property will stand unless proven false : -Under the Privacy Act of 1974 prohibits agencies to deny the rights and benefits or privileges of the individuals who refuse to disclose their Social Security Number. Please provide evidence that this didn't occur -That the said debt in commercial-estates or natural was signed with a wet inked signature allowing third party agencies to tamper, adjust, collect and infringe upon the estates private secured common law copyright consumer protection obligations through unlawful debt. Breach of contract.

- Please provide that evidence that the Secretary of Treasury isn't responsible for paying interest on the public debt of the United States and that the commercial public estate wasn't already offset and discharged. 31 U.S. Code 3123 -The Federal Law doesn't protect US consumers, or naturals from abusive, unfair, or deceptive collection practices by third party debt collectors such as XXXX XXXX XXXX XXXX TransUnion XXXX 

- Fair Debt Collection Practices Act FDCPA isn't passed by Congress to Protect the consumer ( beneficiary ), can't be liable/responsible for damages.

- That 611 ( 15 U.S.C. 1681 ( 1 ) and isn't in accordance with the accepted STANDARD of metro 2 data field reporting. The information has been proven to be true, correct, or verified.

-Please provide evidence that under15 U.S.C. 168i ( 7 ) that the methods of verification of this account ( s ) weren't in violation and wasn't reported without valid evidence. The commercial estate.

- Please provide evidence that the SF-181 along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't apply to the Consumer Credit Fair Trade. Please share that the XXXX XXXX trademark XXXX isn't a trademark. 

-Please provide evidence that a common Law copyright refers to a legal doctrine that grants copyrights protection to the original work of authorship and the commercial estates name isn't copywritten. 

- Please provide evidence where the Resignation of Registered Agent Affidavit filing and recording has XXXX worthiness with the Consumer Financial Protection Bureau. 

- Truth-in-Lending Act, a creditor a defined as : A natural person, business, or financial organization that services mortgages loans. A natural person, business, or financial organization that regularly extends credit to consumers.

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 2025-01-23 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: SC

Complaint narrative:
I have filed disputes with the XXXX Attorney General, Federal Trade Commission, Equifax, and XXXX regarding the timeshare scam/fraud I was involved with. XXXX is reporting this loan as a Mortgage on my credit reports with XXXX and Equifax, but timeshares should not be reported as a Mortgage according to the XXXX XXXX XXXX XXXX ruling No. XXXX. Should be installment vs mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
I disputed the following accounts on my credit report, as I do not recognize them : 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 Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.

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 2025-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Currently they said they never received my application I just submitted another one as of today. The school closed never completed internship get false and misleading accusations fromacy school as well as no transfer or accredited classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been trying to contact this debt collector to get information that was signed between me and the company no contract has been provided stating that I am the owner. 

Midland company has been harassing me about the charges.

According to the Fair Credit Reporting companies must provide accurate information when reporting credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Hi so originally in my bank I was $ XXXX, But yesterday on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, I was $ XXXX because of a payment that I made, which was {$3.00}. So I had asked my mom to Zelle me {$3.00} so I wouldnt be over $ XXXX and so she did at XXXX same day. So then I was $ XXXX. Then I spent {$1.00}, so I was $ XXXX. So it stayed like that. Then OUT OF NOWHERE it said I was $ XXXX. I looked at my transactions and nothing new was showing, even today nothing new is showing that would have caused that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: WI

Complaint narrative:
I have submitted police/identity theft reports to XXXX, XXXX, XXXX, lexisnexis to show that accounts from the U.S. DEPARTMENT OF EDUCATION are not mine i have sent my id to them numerous times showing my correct address and name as it appears on my id is what i want on my report and explained to them my credit report was exposed in the data breach. I have also sent documentation showing them that capital one was paid in full by progressive insurance and gap coverage. but they still let these companies report false information on my report is it because they are selling my information without my consent? 
Dates : dating back since XX/XX/year> its in their records i can pull up anytime the dates. 
Amounts : XXXX XXXX XXXX XXXX paid in full vehicle is in possession of XXXX insurance still showing i owe them in the amount of {$2000.00}. 

XXXX XXXX XXXX XXXX {$21000.00} the college they claim i attended XXXX XXXX XXXX XXXX has no information on me ever attending the college this has been on my credit report for years not even being my bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I bought a car on XX/XX/XXXX and traded in a XXXX XXXX the same day. We gave them the payoff. Then on XXXX, my car payment went out for my old car. Then I called and asked why it had not been paid off, and they said it's on its way. My paperwork showed a certain payoff and the dealership actually ordered a new payoff on XX/XX/XXXX and sent XXXX that payoff. My paperwork shows the old payoff and so the dealership kept {$850.00} plus the additional interest charged from my car. I have been trying to get that refunded because XXXX confirmed they never received the amount on the paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
There was a fraudulent inquiry on my credit report from Capitol One on XXXX that was not made by me/ that I did not recognize. I informed Capitol one and they shut down the account application. I would like to remove the fraudulent inquiry from Capitol one from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Initial Contact with Equifax : I reached out to Equifax by calling their customer service. My goal was to inquire about updating my consumer report, likely related to some disputed information or changes I wanted to make. 

Speaking with a Representative : During the call, I spoke with an Equifax representative. The representative told me that in order for my consumer report to be updated, I would need to send additional documentation such as proof of identity ( ID, Social Security card, etc. ). 

Clarification on Information Already Provided : I clarified with the representative that I had already submitted these documents in the past. Despite this, the representative stated that Equifax did not have those documents on file. This assertion contradicted my records and previous interactions, as I had already provided the necessary documents. 

Disputes and Record of Submission : I mentioned that if Equifax reviewed the disputes I had previously filed, they would see that the required documents were already submitted. This was an attempt to highlight that the information was already in their system and they should have access to it. 

Proof of Conversation : I also noted that I have a recorded call of the representative stating that Equifax did not have the required documents on file. This recording serves as evidence to dispute the representative 's claim. 

Next Steps : In light of the representatives contradictory statement, I may need to escalate the issue. Since I already have the required documentation on file and proof of the representative 's miscommunication, I could submit the necessary documents again, referencing the recorded call as evidence, or file a formal complaint to Equifax for further investigation and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( 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 o 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 action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation