vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZWICKER & ASSOCIATES
State: IN

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX on approximately XXXX about consolidation of two XXXX accounts. They told me that they would take care of both accounts and not to get involved if they contacted me. A man named XXXX XXXX from XXXX XXXX assured me that they would settle both debts. I agreed to pay {$650.00} a month and they could have access to my checking account. On XXXX I was issued a summons from Circuit Court in XXXX XXXX XXXX  for Zwicker & Associates on behalf of XXXX XXXX. They had not received any payments since the one I made in XXXX of 2024. I called XXXX and they said if I would have contacted them sooner we could have reached on an agreement but it was too late. I called XXXX and sent them copies of everything I had received from the Court. They said that I had not enough funds to negotiate both accounts and that it would be another 5 months of payments before they could do anything. I cancelled my agreement with them and asked for them to return any unused funds. They replied there wasn't anything. I feel I was misslead any severely damaged my credit an gave them a lot of money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ XXXX  ] [ XXXX XXXX XXXX ] [ XXXX, XXXX  XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear XXXX, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX ] Nature of the Dispute : [ I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information. 

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MO

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I belive this account ending in XXXX was open fraudulently. I have requested the original contract showing the physical signature and information used when opening this account. I never got it. in addition the reporting information is innaccurate. the past due amout is different on each credit bureau.nthe credit amout issued was {$5000.00} this makes the total balance questionable. please look into this, seems to be alot of fishy things going on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial loss, and I seed appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
When the company transfers the administration rights, the new administrator must give me a transfer notification no later than 15 days after the transfer effective date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: OneMain Finance Corporation
State: TX

Complaint narrative:
1. Account name XXXX  Account number XXXXXXXXXXXXX
Date opened XXXX
Refinanced, closed.
Original balance XXXX  Phone number XXXX XXXX
Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account name XXXX  Account number XXXX  Date opened 1XXXX  Paid, Closed/Never late.
Original balance $XXXX

3. Account name XXXX
Account number XXXX  Date opened XXXX  Refinanced, closed.
Original balance $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-10 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 filing this dispute regarding the remaining hard inquiry on my TransUnion credit report that is not associated with me and was reported without my written authorization, specifically the inquiry from XXXX on XXXX. I already disputed this last month, but the inquiry remains on my report. I request the immediate deletion of this disputed hard inquiry. Reporting this inquiry without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.

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 2025-02-10 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: PA

Complaint narrative:
My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 in to be removed. 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. XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Delete the late payments from my consumer reports

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 2025-02-11 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 am filing this complaint against Equifax for failing to properly investigate my disputes and for verifying inaccurate information as accurate, despite clear evidence to the contrary. Equifax is reporting a bankruptcy on my credit report that can not be verified, as I have already provided proof that XXXX is not reporting a bankruptcy for me. Since Equifax relies on XXXX for public record verifications, there is no possible way Equifax could be properly verifying this bankruptcy. 

Additionally, Equifax continues to report inaccurate and incomplete information on my credit report, despite my numerous dispute attempts via mail, phone, and online. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates a failure to fulfill its legal duty to maintain accurate credit files. 

Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax, which resulted in a {$15.00} XXXX penalty for failing to conduct proper investigations of consumer disputes ( Source : CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, Consumer Financial Protection Bureau, https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-equifax-to-pay-15-million-for-improper-investigations-of-credit-reporting-errors/ ), my complaint further highlights an ongoing issue. 

This enforcement action confirms that Equifax has repeatedly neglected its legal responsibilities, and my case is yet another example of Equifax failing to conduct a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Cash App failed to take effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. The dispute resolution process is unfair and deceptive. They did not comply with error resolution requirements under Electronic Fund Transfer Act and Regulation E. These actions caused major inconveniences and financial loss. I seek appropriate help for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-02-11 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:
Subject : Report of Collection Activity in Violation of Antitrust Laws 15 U.S.C. 16 Dear Sir/Madam, I am writing to formally report a collection activity that I believe violates 15 U.S.C. 16, which addresses anticompetitive practices under the XXXX XXXX XXXX. 

I have encountered a situation where [ briefly describe the situation or the collection agency involved ] has engaged in describe the specific actions that I believe are detrimental to my rights, violate fair collection practices, and may have broader anticompetitive implications. Specifically, the actions appear to fall within the scope of prohibited conduct under the antitrust laws, which can cause harm to both individuals and the broader market. 

Under 15 U.S.C. 16, individuals are granted the right to seek injunctive relief against practices that damage business or property interests. In this case, I request that the CFPB take appropriate action based on the following : Describe the nature of the collection activity Explain why you believe it is anticompetitive or harmful to your business/property Provide any supporting documentation, such as letters or communication with the collection agency I kindly request that the CFPB review this matter to determine if any further steps, including pursuing injunctive relief or other legal action, are warranted under the provisions of 15 U.S.C. 16. 

Thank you for your attention to this matter. Please do not hesitate to contact me should you need any additional information or documentation related to this report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
CFPB, I am writing to request your assistance with MoneyLion. Been using them for a while know and they have been providing misleading information about when I can receive my cash advance. First, they told me that I needed to pay back my {$14.00} advance, and clearly they didnt understand what I was telling them. Im really frustrated with them. Never have had this issue with them before. I dont appreciate the misleading information that they have provided to me. 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 2025-02-11 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-11 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family XXXX Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. The breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation