vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Past Previous Accounts Opened and Closed Have violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person " shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Past Previous Accounts Opened and Closed Have violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written Instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ), a person " shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/scrub> 2025, I deposited a check I reccied in the mail from the Consumer Financial Protection Bureau reading a lawsuit from XXXX XXXX XXXX. After depositing the check I got an alert from Capital One saying there was a hold on the check until XX/XX/year>. Furthermore, I received an email alert saying my account was restricted because this check seemed fraudulent and I needed to speak to someone to verify my details. I talked to a Capital One rep on XX/XX/scrub>, 2025, and I explained where this check came from and verified some details such as what phones I access my Capital One account from and how many devices I have. On XX/XX/scrub> 2025, a little after midnight my check appears to have gone through but Capital One will still not let me access my money. I have done everything they asked but I still don't have access to my money. As of XX/XX/year>2025, this issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

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 XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: PA

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 XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: ID

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>2023 ) showing 60 days late without ever being 30 days late. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-30 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: MD

Complaint narrative:
I am submitting this complaint due to inaccuracies identified on my consumer report, which remain unresolved despite my previous efforts to correct them directly with the reporting companies. These entities continue to report unverifiable and inaccurate information, including derogatory marks and collections, without providing the required validation. Consequently, I am escalating this matter to ensure a thorough investigation is conducted in strict compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), to uphold maximum accuracy.

The attached documents pertain to Truth-in-Lending Act ( TILA ) compliance, which financial institutions must adhere to before considering a payment late. These companies have failed to provide proof of late payments and charge-offs, leading me to conclude that these entries are fraudulent, constituting false records under 18 U.S.C. 1005.

The attachment titled " TILA Compliance Dispute '' addresses violations of the Truth-in-Lending Act, as the reported late payments did not comply with the required procedures.

The attachment labeled " Collections Fraud '' pertains to unlawfully furnished collection accounts appearing on my consumer report.

Given that these collection accounts have been unlawfully reported and the late payments and charge-offs remain unverifiable, I consider this information fraudulent. Therefore, I formally request an immediate block of all fraudulent entries pursuant to 15 U.S.C. 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2025-01-30 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: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OK

Complaint narrative:
Money was taken from my account on several occasions. Dates will be researched, I filed a complaint with cash app thur the app but no one ever called or replied back to me. Money was sent to people pretending to be from my contacts. After requesting someone investigate for several years still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Subject : Continued Debt Collection Violations Resurgent Capital Services Complaint Reference No. : XXXX To Whom It May Concern, I am submitting this formal complaint against Resurgent Capital Services for continued violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my prior cease and desist request and a CFPB complaint, Resurgent has persisted in contacting me via text messages, emails, and phone calls regarding an alleged debt they claim to service on behalf of LVNV Funding LLC.

1. Violation of 15 U.S.C. 1692c ( c ) Continued Communication After Cease and Desist On [ XX/XX/25 ], I sent a cease and desist letter to Resurgent Capital Services, explicitly stating that I did not wish to be contacted regarding this alleged debt.

Under 15 U.S.C. 1692c ( c ), a debt collector must cease communication once a written request is received, except for limited statutory exceptions ( e.g., litigation or providing written notice of termination of collection efforts ).

Despite my request, Resurgent has sent multiple communications, including text messages on [ dates ], in clear violation of this statute.

2. Violation of 15 U.S.C. 1681s-2 ( b ) Failure to Properly Investigate Disputed Debt I have disputed the validity of this debt, yet Resurgent and LVNV Funding LLC have failed to provide adequate documentation proving their legal right to collect it.

Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to conduct a reasonable investigation upon dispute, but Resurgent has merely provided a generic account summary, refusing to disclose the purchase agreement or proof of ownership.

3. Violation of 15 U.S.C. 1692k Civil Liability for Violations As a result of these ongoing violations, I am considering legal action under 15 U.S.C. 1692k, which allows for statutory damages, actual damages, and attorneys fees in cases of FDCPA non-compliance.

I request that the CFPB take further action against Resurgent Capital Services for their unlawful debt collection practices. I demand : A full investigation into Resurgents repeated FDCPA and FCRA violations.

Confirmation that Resurgent ceases all communications with me.

Proof that Resurgent has the legal authority to collect this debt, including the original contract and purchase agreement.

Removal of any credit reporting associated with this debt if they can not verify ownership.

I have attached evidence of the communications from Resurgent despite my cease and desist request, as well as their inadequate response to my initial CFPB complaint. Please confirm receipt of this complaint and provide an update on the next steps.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company has reported c/o every month since 2022.

Under the Fair Credit Reporting Act ( FCRA ), a company can only report a charge-off once for an account. After the charge-off status is initially reported, the creditor is required to update the account status if there are any changes ( such as a payment, settlement, or if the debt is discharged through bankruptcy ). The company can not report a charge-off repeatedly for the same account on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX ( acct # XXXX ) for an inaccuracy ( date last paid is incorrect on the 3 reports... XX/XX/XXXX on XXXX ; XX/XX/XXXX on Equifax ; XX/XX/XXXX on XXXX ). I di not receive a response, no deletions. The FCRA states all data on reports must be 100 % accurate.

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX  ( acct # XXXX ) for inaccuracies ( late payments state ok for XX/XX/XXXX on XXXX, 120 days late for XX/XX/XXXX ; 30 days late on Equifax for XX/XX/XXXX , Charged off for XX/XX/XXXX in Equifax. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please delete this account for inaccuracy because the date last paid report as XX/XX/XXXX on XXXX, XX/XX/XXXX on Equifax, and XXXX on XXXX. Please see exhibit : A ( attached ). 

Please send me a new credit report reflecting the removal of this account. 

Sincerely, XXXX XXXX Exhibit : A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX ( acct # XXXX ) for an inaccuracy ( date last paid is incorrect on the 3 reports... XX/XX/XXXX on Experian ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX ). I di not receive a response, no deletions. The FCRA states all data on reports must be 100 % accurate.

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX  ( acct # XXXX ) for inaccuracies ( late payments state ok for XX/XX/XXXX on XXXX, 120 days late for XX/XX/XXXX ; 30 days late on XXXX for XX/XX/XXXX XXXX Charged off for XX/XX/XXXX in XXXX. 

XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX To Whom It May Concern : Please delete this account for inaccuracy because the date last paid report as XX/XX/XXXX on Experian, XX/XX/XXXX on XXXX, and XXXX on XXXX. Please see exhibit : A ( attached ). 

Please send me a new credit report reflecting the removal of this account. 

Sincerely, XXXX XXXX Exhibit : A

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WY

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
Consumer complaint received 2025-01-30 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:
Every time I do your dispute, the company doesn't do proper research.They say is verified, but I can not get the verified information to prove that the credit is mine or correct.

Company response to consumer: Closed with explanation