vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-02-07 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
This is in response to case XXXX XXXX. In my first case, I contacted National Credit Services via CFPB portal to upload my letter that I was no longer disputing this account at the present moment and to contact XXXX, XXXX, and XXXX to remove the dispute comment/remarks about me still disputing this account, because I am still in the process of getting a mortgage and the dispute wording on this account is preventing my loan approval. I included my simple letter stating everything above. National Credit Services responded and did not address my concern and the dispute remarks are still on all 3 of my credit reports ( and probably some secondary credit reports ). National Credit Services stated that they sent my disputes to the credit reporting agencies as required by law, but now, they are not furnishing accurate information if they are still reporting that I'm disputing this account when I wrote to them on XX/XX/year> that I'm no longer disputing this account. They are misleading new potential creditors into thinking I'm disputing this account by keeping that comment on my credit report when that is not accurate or true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-07 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MOHELA
State: FL

Complaint narrative:
My consumer rights were violated related to 15 usc 6802. Four different accounts are registered as open with amount of & XXXX, {$4400.00}, {$3700.00} and {$3100.00}. This unlawful process has effectively destroyed my credit and violated the law. I have requested on many occasions in writing, verbally and thought different credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an inaccurate or incomplete entry that I believe is affecting my credit report. I have reviewed my credit report from [ XXXX XXXX XXXX XXXX ] and noticed discrepancies that I believe need to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: IN

Complaint narrative:
I have derogatory marks on my report as far as collection and charge offs.. I have paid these debts with collection agencys put the remarks remain on my report : XXXX XXXX account was paid : XXXX XXXX XXXX account was paid -wedbank/atl/imagine account was paid : - XXXXXXXX XXXX XXXXXXXX account was also paid all these accounts remain on my report and they have been settled and paid they should be removed under theTILA ( truth and lending act ) as well as the UCC..Also I have attached screens shots of my receipts of my settle accounts and the correspondence with companys

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have derogatory marks on my report as far as collection and charge offs.. I have paid these debts with collection agencys put the remarks remain on my report : XXXX XXXX account was paid : XXXX XXXX XXXX account was paid -wedbank/atl/imagine account was paid : - XXXXXXXX XXXX XXXXXXXX account was also paid all these accounts remain on my report and they have been settled and paid they should be removed under theTILA ( truth and lending act ) as well as the UCC..Also I have attached screens shots of my receipts of my settle accounts and the correspondence with companys

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 2025-02-07 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: NY

Complaint narrative:
I'm writing to request to DELETE of the following information from my file. I have identified inaccurate, negative, and harmful information on my credit file that is affecting my score. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

Based on Section 15 USC 1666b & 1637 ( b ), I demand to see verifiable proof ( of the mailing or delivery of the information required by Section 1666b ) you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I have also read that the CFPB recently investigated and found that, in many cases, you failed to properly review consumer disputes and allowed previously corrected errors to reappear on reports. These practices not only violate the FCRA but also have a serious impact on families ' financial well-being, as highlighted by the CFPB Director. 

I have enclosed copies of documents that support my request. I appreciate your attention to this matter and expect a written response with the results of your investigation within 30 days, as mandated by the FCRA. I trust that you will act fairly and responsibly to correct any inaccuracies in my credit report. 

Account in question : XXXXXXXX XXXX XXXX  Account ending XXXX, a 30-day late payment has been inaccurately reported.

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 2025-02-07 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: NY

Complaint narrative:
I'm writing to request to DELETE of the following information from my file. I have identified inaccurate, negative, and harmful information on my credit file that is affecting my score. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

Based on Section 15 USC 1666b & 1637 ( b ), I demand to see verifiable proof ( of the mailing or delivery of the information required by Section 1666b ) you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I have also read that the CFPB recently investigated and found that, in many cases, you failed to properly review consumer disputes and allowed previously corrected errors to reappear on reports. These practices not only violate the FCRA but also have a serious impact on families ' financial well-being, as highlighted by the CFPB Director. 

I have enclosed copies of documents that support my request. I appreciate your attention to this matter and expect a written response with the results of your investigation within 30 days, as mandated by the FCRA. I trust that you will act fairly and responsibly to correct any inaccuracies in my credit report. 

Account in question : XXXXXXXX XXXX XXXX  Account ending XXXX, a 30-day late payment has been inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CSO Financial
State: OR

Complaint narrative:
The original debts were XXXX XXXXXXXXfrom overdue library books that my daughter had in XXXX. I was fleeing with my children from a XXXX XXXX XXXX and moved out of state. When I became aware of the amount owed to XXXX XXXX XXXX, I was told that considering the circumstances they would waive the fees and said that I didn't have to pay anything. The other {$45.00} was a medical bill that had already been paid by my insurance. 
CSO never served me anything and obtained a judgement and in XX/XX/XXXX began garnishing my wages for these debts and claim I owe {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an inaccurate or incomplete entry that I believe is affecting my credit report. I have reviewed my credit report from [ XXXX XXXX XXXX XXXX ] and noticed discrepancies that I believe need to be addressed.

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 2025-02-07 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute an inaccurate or incomplete entry that I believe is affecting my credit report. I have reviewed my credit report from [ XXXX XXXX XXXX XXXX ] and noticed discrepancies that I believe need to be addressed.

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 2025-02-07 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: MI

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing inaccurate information on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the disclosure or reporting of my personal information to the companies listed below. This unauthorized reporting violates my consumer privacy rights, as these entities have no legal basis to report any activity under my name.

Additionally, my credit report contains unauthorized inquiries that I did not initiate, indicating possible identity theft. Per 18 U.S.C. 8, I do not owe any debt to these companies. I formally request the immediate removal of these disputed items and inquiries to ensure the accuracy of my credit report.

Please address this matter promptly and confirm the removal of these incorrect entries.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing inaccurate information on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the disclosure or reporting of my personal information to the companies listed below. This unauthorized reporting violates my consumer privacy rights, as these entities have no legal basis to report any activity under my name.

Additionally, my credit report contains unauthorized inquiries that I did not initiate, indicating possible identity theft. Per 18 U.S.C. 8, I do not owe any debt to these companies. I formally request the immediate removal of these disputed items and inquiries to ensure the accuracy of my credit report.

Please address this matter promptly and confirm the removal of these incorrect entries.

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 2025-02-07 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-02-07 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: MI

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following accounts from my credit report under my rights granted by the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). The accounts in question are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XXXX Balance : ** $ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) Opened XXXX Balance : ** $ XXXX # # # **Legal Basis for Dispute & Deletion** # # # # XXXX. Incomplete, Inaccurate, and Unverifiable Reporting** Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) **, Equifax is required to conduct a reasonable investigation within XXXX days. If the data furnisher can not provide **verified and complete** documentation proving the validity of these accounts, they must be **permanently deleted** from my credit file. 

# # # # XXXX. No Permissible Purpose for Reporting** As per **15 U.S.C. 1681b ( a ) **, a consumer reporting agency may only furnish a consumer report under specific circumstances. I demand proof that XXXX XXXX XXXX XXXX has a permissible purpose to report these accounts on my file. If no such proof exists, this constitutes a violation of the FCRA, and these accounts must be immediately removed. 

# # # # XXXX. Failure to Comply with 15 U.S.C. 1692e ( Fair Debt Collection Practices Act - FDCPA ) ** If XXXX XXXX XXXX XXXX has **misrepresented any details** regarding the nature, character, or legal status of these debts, it is a violation of **15 U.S.C. 1692e ( 2 ) ( A ) **. I request that Equifax provide proper documentation proving the accuracy of these accounts and their legal authority to report them. Otherwise, they must be permanently deleted. 

# # # # XXXX. Direct Violation of XXXX XXXX. XXXX ( b ) Duty to Report Accurate Information** If the furnisher fails to provide **competent evidence** validating these accounts, Equifax is required to remove them **without delay** to maintain compliance with the law. Reporting unverifiable accounts is a violation of my rights, and I will pursue legal action if necessary. 

# # # **Formal Demand for Deletion** Based on the legal grounds outlined above, I formally demand the **permanent deletion** of these accounts from my Equifax credit report **within 30 days**. Please provide me with a written response confirming the deletion. 

Failure to comply with my legal request will leave me no choice but to escalate this matter to the XXXX XXXX XXXX XXXX FTC ) **, and, if necessary, pursue legal remedies for damages under XXXX*15 U.S.C. 1681n and 1681o**.

I expect a response within 30 days, per **15 U.S.C. 1681i ( a ) ( 1 ) **. A copy of my identification and proof of address is attached for verification purposes.

Company response to consumer: Closed with non-monetary relief