vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
I purchased a XXXX  XXXX XXXX XXXX : XXXX on XX/XX/year>. After multiple communications with the dealership, I was advised to return the vehicle to the dealership per the General XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>. XXXX XXXX sent me an email stating that they would cancelling the sales contract on XX/XX/year>. However, the sales contract has not been cancelled and they have continued to report this account as derogatory to Experian, XXXX XXXX XXXX, from XXXX than 90 days late to currently reporting as a charge off account. This account has been devastating to my credit rating.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I purchased a 2024 XXXX XXXX XXXX : XXXX on XX/XX/year>. After multiple communications with the dealership, I was advised to return the vehicle to the dealership per the General Manager @ XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year>. XXXX XXXX sent me an email stating that they would cancelling the sales contract on XX/XX/year>. However, the sales contract has not been cancelled and they have continued to report this account as derogatory to XXXX, Equifax XXXX XXXX, from XXXX than 90 days late to currently reporting as a charge off account. This account has been devastating to my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-25 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
Please see the attached letter ( s ) including Certified Mail Receipts, etc. Everything that needs to be said has been stated in the attached document that was sent to Experian.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
veridian credit union credit card account is still being reported all though i received a 1099-c from the debtor

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 2025-03-25 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, during the peak of the XXXX pandemic, I was laid off from my job and experienced a sudden and total loss of income. That same year, I was involved in a serious car accident that led to mounting medical expenses and extended recovery time. I was also officially recognized as a XXXX XXXX XXXX veteran, which presented its own set of life-altering challenges and financial limitations. 

Despite notifying Capital One Auto Finance of my circumstances including my unemployment, medical hardship, and XXXX veteran status they continued to report negative information on my credit profile, in clear violation of several federal and state laws. 

I specifically informed Capital One of my eligibility for protections under : The CARES Act ( Public Law 116-136 ) The Servicemembers Civil Relief Act ( SCRA ) Texas Finance Code 392 Yet, these legal protections were ignored, and my credit was negatively impacted. 

Account # XXXX Issue 1 : Capital One reported late payments during XXXX forbearance, in violation of the CARES Act and veteran protections. 

Account # XXXX Issue XXXX : Capital One reported late payments during a protected forbearance period, violating both the CARES Act and veteran protections.

Federal and State Laws Violated 15 U.S.C. 1681e ( b ) Credit reporting agencies must report with the maximum possible accuracy. Reporting late payments during periods covered by forbearance is inaccurate and violates this standard.

CARES Act Section 4021 ( Amendment to the FCRA ) If an account was current before a COVID-19 accommodation ( e.g., forbearance ), it must be reported as current during the relief period.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) - ( ii ) Credit bureaus must delete or correct inaccurate or unverifiable information within 30 days of a consumer dispute. Capital Ones failure to correct inaccurate late payment entries violates this rule.

Servicemembers Civil Relief Act ( SCRA ) As a XXXX XXXX XXXX veteran, I am entitled to protections which include fair credit treatment and limits on adverse reporting related to service-related hardships.

Texas Finance Code 392 Requires creditors to report accurate, fair, and verified information and to respond properly to disputes, especially where veteran protections or medical hardship are concerned.

Impact of These Violations My credit score has been damaged, making it difficult to obtain housing, transportation, and other essentials. 

Ive faced denials of credit, higher interest rates, and additional hardship. 

These actions have caused emotional distress during a time when I was already dealing with medical recovery, loss of income, and transitioning to life with a permanent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TN

Complaint narrative:
We broke our lease in XXXX of XXXX 2 months early. We paid the {$5500.00} before moving out with a requested direct bank transfer since the company owner is remote. We have proof of the bank statement along with a final statement provided by XXXX XXXX. We were contacted in XXXX by IQ Data XXXX and I was asked for proof that we paid it. I provided bank statements and the final statement directly from XXXX XXXX that showed that we were actually owed money in return. I then reached out to the owner of XXXX XXXX and asked for assistance. They assured me they would get it taken care of. I never heard anything else until my credit score tanked over XXXX points in XX/XX/XXXX due to a derogatory account being posted to my credit report. I called IQ and was told that their " proof department was backlogged '' and had not gotten to my email I sent directly to the person who called me. They stated we now owed the debt, plus interest and late fees. I hung up the phone and called XXXX XXXX. They had no idea about it. They claim to have reached out multiple times to IQ Data XXXX and have even included me on copy of emails as proof of the contact yet my credit is still negatively being impacted each month for something that I do not owe. I want this removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
It has recently come to my attention that contracts were created without my KNOWLEDGE when the alleged ID number and alleged account was established with a [ Sunrise Credit Collections XXXX ] which may invalidate and violate my rights pursuant to U.C.C. 1-308.4 I, XXXX XXXX XXXX XXXX Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged debt and alleged account/account/negative activity/ statement associated with ( reference accounts above ) with [ SUNRISE CREDIT COLLECTIONS ] I do not believe that I the Natural Person XXXX XXXX signed a contract with your XXXX XXXX stating I allegedly lawfully owe a debt operating under the name [ SUNRISE CREDIT COLLECTIONS ] or I do not believe there has been an established KNOWN agreement and believe nothing exists. I have requested to cease and desist all collection methods and extensive harassment.

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 2025-03-25 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: TN

Complaint narrative:
As a victim of Equifax data breach and upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are mine and negatively impacted. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information from my credit file upon receipt of notice and supporting documentation. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all fraudulent negative and critical accounts. 
Accounts to be removed and blocked : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was also refused credit by the lenders listed below. Adverse action against a consumer is prohibited by 15 USC 1691c and 15 USC 1692k and is punishable by civil liability. These businesses are in violation of 15 USC 1691 because I have proof that I was the victim of discrimination due to the reaction I received. My social Security ( my credit card ) was used but I received nothing in return. Please remove the unauthorized inquiries and incorrect personal information from my consumer report. 
Inquiries to be removed and blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN, XXXX To facilitate your investigation, I am providing the following documents : A copy of my government-issued ID Proof of address A copy of a police report or FTC Identity Theft Report You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXX and XXXX. 
Let me remind you that any negative accounts/remarks on my credit report are illegal under the FCRA and FDCPA if you can not provide evidence to support them. I never gave my official consent for this information to be disclosed. You must block and remove these accounts off my credit report if you can't give detailed documentation about your validation, verification, and compliance procedures. 
Best regards, 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 2025-03-25 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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: Shellpoint Partners, LLC
State: MN

Complaint narrative:
NewRez Mortgage performs their escrow analyses for Minnesota ( and multiple other states ) in XXXX - long before my annual insurance premium and property tax figures are received - and perennially takes MONTHS to effect corrections to my monthly mortgage payment to reflect the changes I report to them.. changes which SHOULD reduce my escrow amounts and ultimately lower my monthly mortgage payment. 

To date - despite multiple calls and online correspondence ( providing ample documentation evidence of the reductions )- they have yet to implement those reductions, and have added a new twist : Subsequent to each escrow correction request I have submitted, Newrez added irrelevant and inflammatory retaliatory remarks to my credit bureau report, which have negatively impacted them by lowering my scores by up to XXXX points - despite repeated pleas to cease-and-desist ... asserting falsely ( via recorded telephone calls ) that they do NOT add such remarks- which is patently untrue, and for which I have substantial documentation from those credit bureaus ( see attached PDF ). 

In one recent instance, instead of removing those remarks, they " doubled down '' - adding a duplicate of the initial offensive remark ( " account information disputed by consumer '' and " consumer disputes this account information '' ) And - at the one bureau where they'd actually deleted the remarks- they " retaliated '' in response to my phone calls and once again added the remarks ... negating the XXXX points previously restored, and once again further damaging my score with another decrease of the same amount. 

I can not believe that I am the sole recipient of such retaliatory actions, which for all intents and purposes appear designed solely to discourage ANY requests for escrow adjustments.. and firmly believe that you may find others who've suffered similarly? 

Subsisting on a social security XXXX income, I can not afford their continued collection of excessive escrow sums... and I most certainly can not allow this continual retaliation and assault on my credit bureau scores to further damage my existing and potential credit accounts! 

Thank you for your compassionate consideration.

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 2025-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 ( 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 2025-03-25 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Security Credit Services is conspiring with XXXX XXXX XXXX in attacking my credit score for a settled debt. This company has no claim directly against me and yet made negative credit reports fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief