vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
I am submitting this complaint to formally report inaccurate credit reporting practices by [ Creditor Name or Credit Bureau Name ], specifically involving the misrepresentation of the date of last activity on a charged-off account appearing on my credit report.

The account in question is from XXXX XXXX XXXX XXXX XXXX  account number XXXX, and was charged off in approximately XXXX2023. However, the account is being reported with a more recent activity date, which I did not authorize, and which misrepresents the true timeline of delinquency. This appears to be an attempt to re-age the debt, effectively extending the reporting period beyond the 7 years allowed under the Fair Credit Reporting Act ( FCRA ), Section 605 ( c ).

I have already attempted to dispute this issue with the credit reporting agency and/or creditor, but the inaccurate information remains uncorrected. This misinformation is damaging to my credit profile and is not in compliance with the legal requirements for fair and accurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am submitting a complaint against Cash App ( Block , Inc. ) due to insufficient customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and misleading, as they did not adhere to error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in considerable inconvenience and financial loss, and I seek appropriate compensation for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-12 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
multiple unknown inquiry 's .. from way back XXXX. addresses I no longer live are still there, late payments .. also closed accounts should no longer be there

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 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
Because of misinformation and miscommunication from Fay Servicing , LLC, and their lack of response to my multiple phone calls and emails to Fay Servicing ( all documented ), I was blocked by Fay Servicing from making payments for several months after successfully completing and being XXXX from a XXXX XXXX. Eventually, since they blocked my access to my own account online, and their agents denied having any knowledge or ability to provide information over the phone ( when I finally was able to get through to someone by phone ), I just mailed a lump sum payment via certified mail. Fay Serving acknowledged receipt and cashed the check ( of which there is documented proof ), but did not apply the funds to my account until XXXX month later. Then they failed to grant me access to my account to make payments moving forward and see the status of my account. In addition, their agents on the phone would then assure me that they were looking into the matter, and that they would escalate my concerns up to someone who could help to get this resolved, and that they would reach out to me. No one ever called, nor responded to my emails. And each time I spoke with an agent again, they said the same thing. The next thing I know, I received a notice of default letter from Fay Servicing, stating a dollar amount to cure the default and a date to pay it by, I PAID THE FULL AMOUNT STATED IN THAT LETTER BEFORE THE DATE GIVEN IN THE LETTER ( AND HAVE DOCUMENTED PROOF VIA AN EMIL RECEIPT FROM FAY, PLUS MY BANK STATEMENT ). FAY SERVICING PHONE REPRESENTATIVES HAVE ACKNOWLEDGED ON TIME RECEIPT OF THAT PAYMENT, AND THE MOST RECENT REPRESENTATIVE I SPOKE WITH SAID THAT HE COULD SEE THAT THEY ( FAY SERVICING ) " MISAPPLIED THE FUNDS '' AND HE SAID HE WOULD WORK WITH HIS MANAGER ON GETTING THE MATTER RESOLVED. However, Fay Servicing proceeded with foreclosure action at the county courthouse, violating their own letter. I have spoken to them, and to their Attorney listed on the foreclosure notice documents, and I continue to get a run-around. I have kept a record of every phone conversation and every email that I sent, if needed. And I also know that Fay Servicing records every phone conversation, so that is available also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
Over 15 people have been working on one case. I've repeated myself 15 times with the same information. Each time I call the next person starts all over again. There is no system of documentation to maintain any record of information I've provides. Their ability to handle complaints needs to be investigated and regulated.I 've been promised dates that this would be closed by. Last week on XXXX, I spoke to XXXX, agent id XXXX. I was promised this would be resolved by today. I called in the it is still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Receivables, Inc.
State: TN

Complaint narrative:
This debt collector, " XXXX '' has repeatedly called me from different phone numbers. They have called from the following numbers : XXXX, XXXX, XXXX, XXXX, XXXX, Today I spoke with a representative for the first time and have given them notice that the debt they assumed is fraudulent. Their representative was informed by myself that the debt is fraudulent and that I no longer want to be contacted. This company was able to find my fathers phone number and contacted him in an attempt to contact me. I informed them this is unacceptable and that they should cease contacting my family members. The representative became very hostile, yelling at me over the phone, talking over me continually without ceasing and then ended the phone call. I would consider this behavior harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to 15 USC 16 92G. I've asked for a detailed list of payments made to all accounts that they are validating, secondly, I've requested the signature that I put on the contract guaranteeing that I would pay that creditor that they are validating. Thirdly I've asked to see if there have been any insurance claims filed on the debt their reporting. Finally, I've asked for proof of the chain of title to collect on the debt. I've asked for debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for my mother as welll XXXX XXXX we need our XXXX access token or XXXX email and phone number to be unblocked and unrestricted or un deactivated and reactivated because I am at a new bank and trying to use it but I cant it say for emails and phone number this Emails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThis email cant be used with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis phone number cant be used with XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX emails are XXXX and XXXX and phone number is XXXX and XXXX etc.

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 2025-05-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Date of Judgement XX/XX/year> ( TOTAL {$1900.00} ) Court hearing filed with XXXX Advance Financial XXXX XXXX XXXX XXXX XXXX XXXX Advance Financial XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX received a letter for the " Creditor who obtained a garnishment order against you is listed below : " Creditor : Harpeth Financial Services LLC Representative : XXXX XXXX XXXX Phone XXXX XXXX XXXX : General Sessions Court Clerk XXXX Issuing State : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount in account {$480.00} Amount subject to legal order {$400.00} 1 month passes by XX/XX/XXXX - another request for the same amount is taken out of my account. 
- Through the Circuit Clerk 's office and web payment I paid it down {$1400.00} on XX/XX/year> and it immediately removed that from the collection. BOTH Clerk 's office and XXXX XXXX XXXX office recognized this. 

I contact the Court office and I ask very specifically How long should this take, when should I call back, and when should you ( the court representative on the phone ) be worried? 
The answer was callback at the end of the week on Friday. 

The answer from the next communications via email ( saved ) and Phone was " No matter what you submit YOU STILL OWE the {$400.00} taken out previously and anything remaining. If you still need help CONTACT LEGAL DEFENCE to help you. 

On XX/XX/year> another request for the full amount {$590.00} was demanded with the same XXXX XXXX XXXX XXXX XXXX Amount Subject to Legal Order {$200.00} No changes on XXXX bank XXXX XXXX XXXX week.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MD

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
You have been sending me communications in a language I do not understand. This has prevented me from validating or responding properly to your claim, and I consider it a violation of my rights under the Fair Debt Collection Practices Act. I am formally requesting that you remove this account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-12 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This account violates the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ) ( 4 ), which states that charge-offs must be removed after 7 years from the Date of First Delinquency ( DOFD ). The last payment on this BMW Financial Services account was made on XX/XX/XXXX, and no further payments or agreements have occurred since. This means the account should have been removed from my credit report by XX/XX/XXXX. Instead, it is still reporting a charge-off and was suspiciously updated with a green OK payment mark in XX/XX/XXXX, despite no payments or resolution. This appears to be a case of illegal re-aging, which misleads the credit scoring system and lenders. I am requesting this account be permanently removed from my credit report immediately in compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I currently have several student loans identified as XXXX these student loans have now surpassed the reporting time limit of seven years. I have reached out to the student loan servicer. They currently have no information about the student loans and can not locate any information to verify or validate these student loans. I have previously disputed the student loans. The dispute came back as verified however, when I personally reached out to the student loan company, they have no information so I am confused as to how this information was verified.

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 2025-05-12 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation