vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
IXX/XX/XXXX- reporting I owe XXXX on a lease with XXXX XXXX. I never signed a lease with them back in XX/XX/year>2018. They used a 3rd party by the name of FAIR COLLECTIONS & OUT that is reporting to my credit with that account number of XXXX. Here is they contact info Contact Into : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I have attempted to contact them on several occasions and they refused to remove this off my credit report.

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

Complaint narrative:
On XX/XX/scrub> 2024 I submitted a dispute to Equifax for XXXX XXXX XXXX XXXX for {$52.00} because it was inaccurate. I did not owe them any money but it was reported on my XXXX and Equifax reports as a collection. I disputed this collection with both agencies. XXXX approved my dispute and removed it from my report because it was proven that I did not owe the company. Equifax denied my dispute on XX/XX/year>2024 and stated that the collection was reported correctly when it was not.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XX/XX/XXXX XX/XX/XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 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: GA

Complaint narrative:
I have reason to believe that my personal information has been compromised and I would like to take further steps in having this account re-investigated. In accordance with Fair Credit reporting act 15 U.S code 1679 you have a right to dispute inaccurate information in your credit reporting by contacting the credit bureau directly and this information is believed to be incorrect. I was a victim of identity theft where my information was stolen and accounts open under my name. One of the accounts that Im a victim of identity theft isXX/XX/XXXX when I reviewed my credit report with Experian, and I noticed theXX/XX/XXXX account reporting I contacted XXXX and advised them that I did not authorize this account to be open or to report to the credit bureaus after speaking with a representative I was told that the account would be closed, but the information will remain on my credit profile but I did not authorize this account to be open at all so this account should be removed from my credit report due to identity theft I reached out to Experian to have them investigate the account, but it came back accurate which I dont know how because I have multiple messages where Ive been a victim of identity theft and accounts are open and my name with other lenders so Im asking your company to help me re-investigate the decision that Experian made so that I could have this account removed on my credit profile as it is hindering my score. I have yet to see proof from Experian that this is accurate information. I havent seen any documents that I have signed withXX/XX/XXXXproving that I indeed open the account in my name and gave them permission to report to the bureaus so Experian is reporting false information on my credit report and it needs to be investigated immediately.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Titanium Funds
State: UT

Complaint narrative:
When I purchased my vehicle in XXXX I was in need of a vehicle I went to the XXXX XXXX XXXX location. I found a vehicle that would fit my needs. I was presented with the loan information. The loan had me paying XXXX or XXXX over the life of the loan for a vehicle that I thought was worth XXXX XXXX if I was " lucky ''. The salesman stated that it would be reported on all my credit reports. With XXXX repossessions in my past. I thought hey a repaired credit score would be worth all the extra fees in the end. I have been paying on this loan since XXXX on time. I called titanium funds around XXXX of XXXX asking for the payoff quote. Also asking why my loan was not being reported as I was told it would be. I told them over the phone that that was the whole point of me taking the loan and I am getting nothing from it. I was told it was a software issue that they were working to resolve. 
My issue is that this is not the first complaint on this issue. In XXXX a similar complaint was made as highlighted on XXXX : Please follow link before. 
XXXX XXXX XXXX This is not an issue with the dealership but an issue with Titanium Funds you refuse to fix the issue. I have paid approximately {$18000.00} dollars for a vehicle that XXXX cant trade in for more than {$1500.00}. Now even better is it no longer runs. SO I am stuck paying at least another {$18000.00}. I feel I should be relieved of the burden of this debt. They stated to XXXX that they would have the issue resolved in the coming weeks. Preying on the lower income people who are always struggling is just sad and wrong.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a XXXXm 's Club Member who applied for a XXXXXX/XX/XXXX that said XXXX and XXXX number only with No Guarantor. The system asked me for my Date of birth to verify I was not a computer and I did not give my social security number. I recieved a notice from XXXX XXXX andXX/XX/XXXXthat I had a hard inquiry on my credit report from XXXXXX/XX/XXXX. I did not give them permission to pull my personal credit and the Denial letter that I have attached does not have my name on it, the name is my XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was paid XXXX by my ex to pay for half on a plane ticket. He paid me through cashapp. A few weeks later I found out he contacted his bank and cashapp and told them it was a fraudulent charge. Cashapp gave him the money back and then took XXXX from me. When I contacted cashapp to dispute they denied the dispute even though I had screenshots of him stating what he did, he knew it was faudulent, and cashapp did absolutely nothing. They told me to work it out with him. I told them I already tried and they should be the ones fixing the issue.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : 1. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) 2. XXXX ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed several hard credit inquiries that I did not authorize. I have disputed several incorrect accounts showing delinquent as well. This issue has not been resolved and I would like to have any and all incorrect information removed from my credit report. Please see the companys listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX and XXXX

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed several hard credit inquiries that I did not authorize. I have disputed several incorrect accounts showing delinquent as well. This issue has not been resolved and I would like to have any and all incorrect information removed from my credit report. Please see the companys listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX and 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Paypal 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight significant issues with the platform. despite using Paypal numerous times and reporting discrepancies, my financial institution and Paypal failed to investigate my claims adequately. They informed me that recurring lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Paypal has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
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: MI

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 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 2025-01-23 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: GA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distressed. Fraudulent accounts were opened in my name without my knowledge or consent, causing significant harm to my credit standing. 
I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. Therefore, I kindly request the removal of these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. 
Your support and assistance in addressing this matter are greatly appreciated as I work to overcome this unfortunate experience.

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

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 XXXX 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. These are the accounts that are marked as inaccurate, XXXX XXXXXXXX XXXX XXXX XXXX

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Cas app XXXX $ to XXXX XXXX XXXX XXXX {$7100.00}. Not refunded back. an XXXX XXXX XXXX,,,, $ XXXX  XXXX XXXX. Wrong person. Called couldn't refund,,,,, XX/XX/XXXX '' '' XXXX {$2000.00} an XXXX. XXXX XXXX XXXX $ XXXX sent XXXX. XX/XX/XXXX. Sent to wrong person. Didn't realize to next hour. Called said it was nothing they could XXXX XXXX XXXXXXXX {$100.00}. $ XXXX Wrong person cancelled it but went through

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX would not entertain or research my disputes

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX would not entertain or research my disputes

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: Experian Information Solutions Inc.
State: PA

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

Accounts include XXXX XXXX XXXX XXXXXXXX XXXX XXXX IXXXX 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 explanation
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: CT

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