vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX for continued inaccurate and unlawful reporting on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The company is falsely reporting a collection account with a {$390.00} past due balance as of XX/XX/year> and continues to update the status monthly as a collection account. These actions violate federal consumer protection laws and have caused me financial harm. 

Violations of Consumer Law False and Misleading Reporting FCRA XXXX ( XXXX  ) & FDCPA XXXX ( XXXX ) A collection account should not report a past due balance because the full balance is already in default. This is a misrepresentation of debt under federal law. 
By reporting new delinquencies each month, XXXX XXXX is illegally re-aging the account, making it appear as a new delinquency instead of an older debt. 
Failure to Properly Verify the Debt FDCPA XXXX ( b ) & FCRA XXXX ( a ) ( XXXX ) ( A ) I have previously disputed this account, yet XXXXXXXX XXXX continues reporting without proper verification. 
Under the FCRA, once a dispute is submitted, the furnisher must conduct a reasonable investigation before continuing to report. The fact that this account remains is a violation of my rights. 
Unfair Credit Reporting Practices FDCPA XXXX Reporting this account in a manner that negatively impacts my credit score without proper verification constitutes an unfair and deceptive practice under federal law guidelines.

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 2025-02-16 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: TX

Complaint narrative:
Experian { XXXX Dept } XXXX XXXX was requested to ceast and desist all reporting to credit companies and my self they refuse to comply they stated they got a credit report from XXXX, XXXX on chat with my self stated they did not get any information from them, this is willful miss use of credit reporting enclosed are the statements from XXXX and my ceast and desist to the bank which they feel they dont have to follow. fraud is fraud in this case making up a credit report .to harm myself. I have never been late on a payment to them ever read about your external credit score used to evaluate for credit LAST SENTENCE { the credit score may differ from the score you obtain from a consumer reporting agency } i did not know they can make up what they want { adverse action to a 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 explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Formal Complaint Regarding XXXX XXXX Inappropriate Customer Service Dear Bank of America, I am writing to formally report an incident of unacceptable treatment I received at XXXX XXXX XXXX, XXXX MA XXXX on XXXX. I have been a customer of BOA for XXXX years, and I was shocked by the behavior of XXXX of you employees : XXXX XXXX. 

During my visit, XXXX XXXX / XXXX XXXX Manager refused to serve my request to renew my CD, pointed me to different banks, different locations, yelled at me loudly " get out of here, I don't serve you, go to another Bank ... ... ..... ''. And later She giggled with an employee and mocked me. This treatment was not only unprofessional but also deeply upsetting. As a loyal customer, I expect to be treated with respect, and this experience resulted in me sitting in my car to renew my CD on line with XXXX XXXX on the phone for XXXX hours on a cold day ( XXXX XXXX ). At the end my foot was frozen. 

I request that this incident be in investigated and appropriate action be taken. I would also appreciate a written response detailing the steps BOA will take to ensure that such behavior does not happen again. 

Please contact me at your earliest convenience email to discuss this matter further. I look forward to your prompt response.

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 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was informed that my personal information was exposed under a security data breach and have since noticed a hard inquiry on my personal credit report that was placed there without my consent. The inquiry is from the following company : 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 2025-02-15 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: AppFolio, Inc.
State: TX

Complaint narrative:
Company used my information without my consent, I have never heard or talked to anybody from this company. I was denied a rental asked on the information they furnished to the apartment complex named XXXXXXXX XXXX XXXXXXXX XXXX. The company by the name of Appfolio , Inc ( XXXX ) and XXXX XXXX XXXX provided them information that was not approved by me. Please take this information off of my credit during rental screening immediately since this is considered Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under XXXX XXXX XXXX CXXXXe XXXX XXXX ( XXXX } Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. CXXXXe XXXX i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) ln general if, after any reinvestigation under paragraph ( XXXX ) 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 ( XXXX ) 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 ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX, XXXX XXXX, Acceptance Now, XXXX and all XXXXXXXX XXXX XXXXXXXX accounts

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 2025-02-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( 15 U.S. C. XXXX XXXX ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - XXXX XX/XX/XXXX XXXX XXXX - on XX/XX/XXXX XXXX OF XXXX on XX/XX/XXXX XXXX BANK - XXXX XX/XX/XXXX XXXX XXXX - on XX/XX/XXXX There is also an address that i do not recognize as reported that needs to be removed : XXXX XXXX XXXX  XXXX XXXX GA XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-02-16 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 XXXX 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 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A debt collector is reporting a collection on my credit, ( portfolio recovery ). They are not original creditor, the creditor is ( Citi Bank ) it was a Best Buy account from about 4 years ago... They are making it seem like this is a new account and I assure you that it is not... I want to sue them for fraudulent reporting and causing my credit to be negative... I can not advance my business because of this reported on my credit profile .... Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: TX

Complaint narrative:
I received a letter from XXXX XXXX at Second Alliance , IncXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX stating that I owed a debt from a XXXX I have never attended called XXXXXXXX XXXX XXXX XXXX I have never even lived on the XXXX XXXX, nor have I attended XXXX in general since XXXX XXXX XXXXs. The letter threatens to put this false collection onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
I already requested the lender to come and pick up the car, due to health issues i am unable to keep paying the car, so i need this car back to the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Momnt Technologies, Inc.
State: LA

Complaint narrative:
I received a collection notice from this company. I did not make a bill with this company. I tried contacting them for more information about this bill and I have not received a response. I went to the company at the XXXX XXXX location and this company is no longer there. This company didn't provide me any services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XX/XX/year> Sent money through Zelle in the amount of {$500.00} and it was a scammer impersonating a friend. My bank XXXX and Zelle both said that they could do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I notified Equifax in XXXX that I had an issue with my account 's access. I was unable login to my account through Equifax 's online portal. In XXXX, the problem persisted. Again, I notified Equifax and opened a ticket. Now it's XXXX and I still have no resolution to the problem The problem : I am unable to login to my online account. When I requested help using the link on their login page for " Need help signing in, '' I provide my important information that the website requires to recover my account, such as SSN and email. After submitting the recovery information, the company 's website sends me to a light blue screen that tells me they can't recover it, and I need to call an agent. 've called an agent multiple times. The problem remains unsolved. Agents on the phone can be helpful but they don't resolve the issue- I can't log into my account. I am unable to manage credit freezes which hinders my ability to manage debt or secure my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following Account Name : XXXX Account Number : XXXX Reported Balance : {$500.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$220.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$730.00} Account Name : XXXX Account XXXX Reported Balance XXXX {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2700.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2000.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$5200.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2600.00} Account Name : XXXX Account Number : XXXX Reported Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$4500.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$31000.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$2200.00} Account Name : XXXX XXXX Account Number : XXXX Reported Balance : {$3500.00} Account Name : XXXX XXXX Account Number : XXXX **** Reported Balance : {$2000.00} Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor XXXX : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX employer : XXXX XXXX Incorrect employer : XXXX HOSPITALITY Name ( XXXX ) : XXXX XXXX XXXX Incorrect XXXX XXXX XXXX, XXXX XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-16 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: IL

Complaint narrative:
The mentioned credit reporting agency are in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The mentioned disputes were not thoroughly investigated resulting my credit report being inaccurate hindering credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: IL

Complaint narrative:
The mentioned credit reporting agency are in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). The mentioned disputes were not thoroughly investigated resulting my credit report being inaccurate hindering credit worthiness

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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this formal complaint against Resurgent/LVNV Funding for continued inaccurate and unlawful reporting on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The company is falsely reporting a collection account with a {$390.00} past due balance as of XX/XX/year> and continues to update the status monthly as a collection account. These actions violate federal consumer protection laws and have caused me financial harm. 

Violations of Consumer Law False and Misleading Reporting FCRA 1681s-2 ( b ) & FDCPA 1692e ( 8 ) A collection account should not report a past due balance because the full balance is already in default. This is a misrepresentation of debt under federal law. 
By reporting new delinquencies each month, Resurgent/LVNV Funding is illegally re-aging the account, making it appear as a new delinquency instead of an older debt. 
Failure to Properly Verify the Debt FDCPA 809 ( b ) & FCRA 1681i ( a ) ( 1 ) ( A ) I have previously disputed this account, yet Resurgent/LVNV Funding continues reporting without proper verification. 
Under the FCRA, once a dispute is submitted, the furnisher must conduct a reasonable investigation before continuing to report. The fact that this account remains is a violation of my rights. 
Unfair Credit Reporting Practices FDCPA 1692f Reporting this account in a manner that negatively impacts my credit score without proper verification constitutes an unfair and deceptive practice under federal law guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: MA

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  XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, has violated my rights. 

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 explanation