vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: MO

Complaint narrative:
On my credit report there is an XXXX XXXX card number XXXX... and it says that this account has a late payment, and this is false. The minimum payment due on this account was due on XX/XX/year>, and the minimum payment due at this time was {$90.00}, and this amount was paid before that date. I have attached a copy of a file printed from the XXXX XXXX website showing that this payment was made on time. Kindly update this XXXX XXXX to pay as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On my credit report there is an XXXX XXXX card number XXXX... and it says that this account has a late payment, and this is false. The minimum payment due on this account was due on XX/XX/year>, and the minimum payment due at this time was {$90.00}, and this amount was paid before that date. I have attached a copy of a file printed from the XXXX XXXX website showing that this payment was made on time. Kindly update this XXXX XXXX to pay as agreed

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 2025-03-04 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: VA

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 2025-03-04 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: VA

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 explanation
Consumer complaint received 2025-03-04 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 2025-03-04 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 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 2025-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/year> Consumer Financial Protection Bureau Re : Complaint Against Credit Collection Services for Improper Debt Collection Practices Dear XXXX, I am writing to file a formal complaint regarding the debt collection practices of Credit Collection Services ( CCS ) , acting on behalf of XXXX XXXX  XXXX which involves an unresolved and disputed service installation charge. 

Detailed Chronology of Events : 1. In XXXX, I initiated internet service with XXXX XXXX. 
2. During the first installation attempt, the installer could not locate the street connection. He left my home after 1 hour.

3. A second installation was scheduled with a four-hour arrival window.

4. The installer arrived one hour after the scheduled window.

5. During the installation process, the installer disappeared for 30 minutes.

6. Due to a lack of confidence in the provisioning effort, I asked the installer to leave without installing my service. I was no longer comfortable with the company.

- No internet line was installed - No equipment was left at my property Subsequent Interactions : 1. I contacted XXXX XXXX Customer Service, who confirmed they would cancel the service and advised me not to pay the initial bill. 
2. Despite this, I continued to receive bills from XXXX. 
3. A collection notice was sent by Credit Collection Services ( CCS ). 

Problematic Debt Collection Practices : 1. CCS initially entered a dispute into their system but never followed up.

2. When I called back, CCS claimed the collection was no longer in dispute.

3. CCS stated XXXX confirmed the charges were legitimate but provided no substantive proof. 
4. When I requested information about potential credit reporting, CCS refused to disclose when they might report to credit agencies.

I kindly request that your agency : - Invest
igate the legitimacy of this collection effort - Require CCS to provide concrete proof of service installation - Ensure CCS does not negatively impact my credit report without substantial evidence- Compel CCS to cease collection efforts until Frontier can definitively prove service was rendered I am willing to provide any additional documentation to support my claim that no service was ever installed or completed at my property. 

Sincerely, XXXX XXXX XXXX : Attorney General State of Florida Consumer Complaints Federal Trade Commission Federal Communications Commission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-04 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 XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 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 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : URGENT DEMAND FOR IMMEDIATE CORRECTION OF CREDIT REPORT INACCURACIES Dear XXXX XXXX This letter serves as a formal demand for the immediate correction of inaccurate and outdated personal information appearing on my credit report with Equifax, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally required to investigate and correct any errors without delay. Failure to comply may result in legal action.

Upon review of my credit report, I have identified several discrepancies that must be corrected immediately to reflect the accurate details as follows : Additionally, the following reporting inaccuracies require correction without delay : Open dates Last reported dates Comments Date last active Date of last payment I have enclosed supporting documentation that verifies these inaccuracies. Per FCRA regulations, you are required to conduct a proper investigation within 30 days and correct these errors. If this matter is not resolved promptly, I will have no choice but to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Furthermore, I demand written confirmation once the corrections have been made and require assurance that the corrected information is updated across all creditors and data furnishers who have received the erroneous data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute certain inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report dated [ insert date ], I have identified the following items that I believe to be incorrect : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and I am requesting that you conduct a thorough investigation of these inaccuracies. According to 15 U.S.C. 1681i, you are required to investigate my dispute within 30 days of receiving this letter, and I expect to receive a written response indicating the results of your investigation. 

I have enclosed copies of documents that support my claims, including credit reports from XXXX credit bureau.These documents substantiate my position and demonstrate the inaccuracies present in my report. 

Please ensure that you notify the furnishers of this information of my dispute, as required by the FCRA, and that you provide me with a copy of my updated credit report should any changes be made as a result of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated timeframe. 

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 non-monetary relief
Consumer complaint received 2025-03-04 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:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-04 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:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: MO

Complaint narrative:
On my credit report, it is saying that the XXXX card has late payments for the past 60 days, and this is false. This account 's due date is the XXXX of each month, and the closing statement date on this account is the XXXX of the next month. In other words, for the last billing statement, the due date date was XX/XX/2025, and the closing statement date is XX/XX/2025. I have attached a copy of a statement receipt proving that the last payment was made before the closing statement date on this account. 
Kindly update the account to pay as agreed.

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 2025-03-04 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: MO

Complaint narrative:
On my credit report, it is saying that the XXXX card has late payments for the past 60 days, and this is false. This account 's due date is the XXXX of each month, and the closing statement date on this account is the XXXX of the next month. In other words, for the last billing statement, the due date date was XX/XX/2025, and the closing statement date is XX/XX/2025. I have attached a copy of a statement receipt proving that the last payment was made before the closing statement date on this account. 
Kindly update the account to pay as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: GREENSTATE CREDIT UNION
State: MD

Complaint narrative:
I applied on XXXX for membership to Geen State Credit Union, I made a deposit of {$5.00} dollars to my pending account. 

They denied me stating it was fraud. I provided them with a valid driver 's license and funds with my XXXX #. How can that be fraud.? I gave them everything they asked for. 

I want to file a complaint. It is not FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Formal Complaint Against Columbia Debt Recovery dba Genesis Unlawful Debt Collection Practices Dear Consumer Financial Protection Bureau , I am filing a formal complaint against Columbia Debt Recovery dba Genesis for engaging in unfair, deceptive, and abusive debt collection practices. On XX/XX/year>, I spoke with a representative named XXXX, who collected my personal and financial information, as well as details about my family. During the conversation, XXXX threatened that I would be taken to court if I did not pay the debt. 

Additionally, he provided XXXX different debt amounts during the same call, creating confusion about the actual balance owed. He also stated that an unusual and excessive amount of interest had been applied to the alleged debt without providing a clear explanation. 

I believe Columbia Debt Recovery dba Genesis has violated both federal and California consumer protection laws, including but not limited to : The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), which prohibits debt collectors from misrepresenting the amount of a debt ( 1692e ( 2 ) ( A ) ), threatening legal action they do not intend to take ( 1692e ( 5 ) ), and adding unauthorized interest or charges ( 1692f ). 

XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXX. XXXX. XXXX XXXX et seq. ), which prohibits false threats of legal action ( 1788.10 ( e ) ), misrepresenting the nature or amount of a debt ( 1788.13 ( e ) ), and requires compliance with the FDCPA ( 1788.17 ). 

The California Unfair Competition Law ( XXXX. XXXX. & XXXX XXXX XXXX et seq. ), which prohibits fraudulent business practices, including deceptive debt collection tactics and the addition of excessive or unjustified charges. 

I request that the CFPB investigate Columbia Debt Recovery dba Genesis and take appropriate enforcement action, including : - Requiring them to provide a full accounting of my alleged debt, including a breakdown of any interest and fees added. 

- Conducting a review of their debt collection practices to ensure compliance with federal and state laws. 

- Obtaining a formal response from Columbia Debt Recovery dba Genesis regarding these violations. 

Thank you for your time and assistance. Please keep me informed of any updates regarding my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I want account to be removed from my credit report.

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