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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian 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. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing in response to your [ letter/phone call ] regarding the collection on my credit report. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : XXXX. Proof that I owe the debt : The name and address of the original creditor, the date the debt was incurred, and a copy of the original agreement. XXXX. The amount of the debt : An itemized statement of the account, including the principal, interest, fees, and any other charges. XXXX. Proof of your authority to collect : Documentation showing that you have the legal right to collect this debt. I request that all communication regarding this matter be in writing and that you cease any further contact until you have provided the requested validation. Thank you for your prompt attention to this matter. Sincerely,

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: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed multiple fraudulent accounts. These accounts are affecting my ability to attain my XXXX XXXX XXXX. 

Please remove these accounts as soon as possible. 
Please and Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Company has contacted me on several occasions with malicious intent. After finding out that I'm trying to obtain a mortgage loan, the debt buyer prohibited me from obtaining the loan. The debt buyer has harassed and bullied me on several occasions.The debt buyer has reported the debt under a new date negatively effecting my credit score. The credit bureaus allow them to flagrantly report negative derogatory remarks. Section 609 requires them to produce a contact bearing my signature that they are yet to produce. The debt buyer doesn't have a contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
I notice XXXX that there was a collection account showing on my credit report from XXXX XXXX XXXX. I called them to find out what this was about as I have not received any notification of any collection account. I was told that they can not give me any information that I needed to speak to Murray Cobb 's office, that he was the attorney handling this matter. I called the law office and asked them about this debt. They said it was for a wireless provider XXXX  and I told them that I never had a XXXX account that I have XXXX XXXX XXXX  and before that XXXX and that they were under my dad 's account. They asked me if I know XXXX XXXX and I said yes and they said the account was under that company name. I told them I am not liable for any of those debts and I have never been notified in writing or called about this debt and the only way I found out was that I applied for a mortgage. They insisted and very rudely told me they did and tough luck. I asked for proof that I am personal liable and they have not produced this to date. How can they just placed a collection account on my credit report without notifying me and/or validating that I personally owed the money? Before a collection company can put a debt on my credit report, they are legally required to send me a written " validation notice '' within five days of their first contact with me, which details the amount owed, the original creditor, and your right to dispute the debt, which is mandated by the Fair Debt Collection Practices Act ( FDCPA ). I contact them in early XXXX, two or three times, I can find my notes. Now I just received on XX/XX/XXXX a letter from them about the debt. How can they have this placed on my credit report before contacting me. They said I had until XX/XX/XXXX to dispute the debt, which I did and mailed back to them. On the phone when I called them I asked about just paying this to get it off my credit report. They said if I paid the full amount they would give me a on time courtesy and remove the account. I didn't trust them and I asked for this in writing and they said they won't do that but our conversation was recorded. I asked can I record this and they said no I just need to trust them. How can I trust anyone that can be so deceptive and lie to me and then say just pay it and it will be removed. If I owe the money, I will pay what I owe before it could have been added to my credit report. But they never contacted me nor have they provided proof I personally owe the debt. I asked multiple times to speak with a supervisor and they tell me no one is available they will call me back and they never have. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Dispute of Late Payment Entry ( XXXX XXXX  ) To Whom It May Concern : I am writing to formally dispute the late payment entry on my credit report related to the account referenced above. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) and 15 USC 1666b, I am requesting that this inaccurate and misleading late payment entry be investigated and corrected. 
XXXX XXXX XXXX ) XXXX - XX/XX/XXXX ( XXXX 30 days ), ( XXXX days ), and ( April 90 days ) Please update the late payment, make current and on XXXX 
XXXX XXXX ( XXXX ) XXXX days, XXXX days, XXXX 60 days, XXXXXXXX XXXX 60 days, ) Please update late payment, make current and no time. 
According to 15 USC 1681a ( 2 ) ( A ) ( I ), a " consumer reporting agency '' is required to ensure that information reported to them is accurate, timely, and complete. The late payment reported on my account does not reflect accurate information regarding my payment history. Furthermore, 15 USC 1666b establishes clear guidelines for reporting and managing accounts that may have discrepancies in payment dates and amounts, especially when late payment reporting is unjustified.

I request that you review this account, verify the payment history, and correct or remove the inaccurate late payment reporting. If this is not resolved within 30 days, I will be forced to escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies.

Please confirm receipt of this dispute and let me know the next steps in the process. I expect the timely removal or correction of this entry in accordance with the aforementioned statutes.

Thank you for your prompt attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX XXXX XXXX  XXXX I had a couple of house guest one or both of the may have got hold of my info and ordered cards I have since paid this debt in full and have been fighting to get this resolved

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: IL

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for violations of the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E due to inadequate customer service and unfair business practices.

Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on their platform, thereby exposing my account to unauthorized transactions and financial harm. Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution procedures mandated under EFTA and Regulation E. 

These violations have resulted in substantial inconvenience and financial loss. I am seeking appropriate redress for these infractions and any remedies available under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
XX/XX/year> my account was closed for no reason i had XXXX dollars from my social security monthly benefits in my chime credit builder account i am now locked out can't access the account at all i have been calling this company since they closed all my account

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: TX

Complaint narrative:
Tried to contact cash app XXXX toll number for customer service and got no where. Account transactions got charged in double sequence for two or more transections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Chrysalis Holdings LLC
State: PA

Complaint narrative:
To start off this whole process has been a mess. I continually asked my loan officer XXXX to explain things to me more and call me at a more appropriate time where I could talk amd he didn't. XXXX home alone with my two small children and not able to focus on this process I knew nothing about. I am retired Army and a stay at home mom with a XXXX and XXXX XXXX XXXX. I've raised them alone since birth woth help from no one. So this man speed balled me through the process making me promises of having money to fix my basement. I had told him some of the things on my credit I was disputing amd he said not to worry. Just don't send those checks from closing in and that newday would send me the money from the checks not cashed. I also had given them a quote from XXXX for insurance qhen they asked me to get one but I did further research and decided to go with state farm. I told this to him before closing and he told me to not change it because it would hold the loan up and he would change it after.

My loan officer XXXX decided to not be involved with any of the closing of this loan instead I had then started talking to his supervisor. Who still made me feel stupid and kept speed balling me through the process. Neither one of those men contacted me after the loan closed. I had no point of contact at all. The one I did end of getting was because of the review I wrote on XXXX. But she stopped answering my calls. So during closing when I started to realize how screwed I was but still didn't really get it because again I am clueless on all of this and no one was helping me to be informed they were just trying to close a loan. My interet rate went up. My mortgage rate went up by XXXX dollars. And they still have not sent me the money from the checks that were not cashed. I have called and spoken to people and get shoved around and told nothing. They say they will call back and they dont. I finally talked to the closing company and they told me my case was interesting and they had heard about it and then they would have a manager call me back. I've still no phone call. And I'm starting to wonder what was done wrong in this loan that should make it so interesting and I want answers. I have over XXXX XXXX dollars that I am owed. They never adjusted my payment from when my insurance rate was cut in half. There are so many things that have gone wrong and I sit here still with unanswered questions and no call back.

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: PA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding. 
( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a Tax Form 1099-K ( XXXX. XXXX ) in the mail from Block, Inc. f/k/a Square, Inc. in the mail XXXX I have had Cash App downloaded on my phone since approximately XXXX because of cafe/store loyalty rewards points, but I have never used the app to send or receive payments of any kind. The 1099-K claims that I earned {$6400.00} all in the month of XX/XX/XXXX in a total of XXXX payments, and it gives a merchant category code of XXXX. I looked it up and that says entertainment/band, which has nothing to do with me. After reading this form, I opened Cash App and it started leading me through setting up an account, which I did not proceed with I do not even have an account with them. On XX/XX/XXXX, I called Cash App customer service to find out why I received this incorrect form and to find out whether someone has fraudulently linked their account to my personal information. They looked up my phone number and confirmed that I did not have an account set up with them, and they took my email address and the mailing address at which I received the 1099-K and said they had opened a case. They said they would contact me within 30 days depending on the volume of cases they have.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit bureaus to properly investigate and remove an auto repossession account with XXXX XXXX, despite multiple dispute attempts and clear violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). This issue has gone unresolved for far too long, and I demand immediate action from the Consumer Financial Protection Bureau ( CFPB ). 

Account Details : Account Name : XXXX XXXX Account Type : Auto Repossession Status : Write-off, sold at auction Current Status : Account is still reported inaccurately and continues to appear on my credit report as an outstanding liability. 

This account was for an auto loan that was repossessed and sold at auction, yet the credit bureaus refuse to remove or accurately report the status of the debt. The account is now listed as a write-off, but the credit bureaus have failed to conduct a proper investigation into the details of the repossession, including the auction sale and the discharge of liability. 

FCRA Violations by Credit Bureaus : Section 607 ( a ) of the FCRA requires credit bureaus to ensure the accuracy and completeness of the information they report. This erroneous reporting of the repossession as an active liability is a violation of this requirement.

Section 611 ( a ) mandates that credit bureaus investigate disputes and resolve them within 30 days. Despite multiple disputes, they have failed to investigate this account properly, leaving inaccurate information on my credit report that is now affecting my creditworthiness. 
Section 609 ( a ) grants consumers the right to receive documentation from the credit bureaus regarding the results of their investigation. I have not received any meaningful responses or documentation explaining how this account was reported or why it has not been removed from my credit file, despite the fact that the vehicle was auctioned off and the debt discharged.

Section 611 ( a ) ( 1 ) ( A ) requires the credit bureaus to conduct a reasonable investigation of any disputed information. The failure to properly investigate this repossession account or to recognize the impact of the auction sale is a clear violation of this provision. The credit bureaus are actively damaging my credit by refusing to correct this mistake, which could have been easily resolved with a proper investigation.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

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. 
XXXX XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX  : # XXXX, Account : XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX department of education XXXX has violated my rights. 

I looked at my Experian report on XX/XX/year> and noticed some things are incomplete and also inaccurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation