vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LEXISNEXIS
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inclusion of a dismissed Chapter XXXX bankruptcy in your XXXX, XXXX, or related background screening databases. This public record is inaccurate and legally misleading, and your continued distribution of this record to employers, landlords, and other third parties violates my rights under the Fair Credit Reporting Act ( FCRA ). 
________________________________________ Disputed Bankruptcy Record : Court : XXXX Bankruptcy XXXX NJ ( XXXX ) Case # : XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX ________________________________________ FCRA Violations : 1681e ( b ) : Failure to ensure maximum possible accuracy in data.

1681b : Distribution of data for employment or tenant screening must be accurate and legally reportable. 
XXXX : For public record data used in background reports, you must maintain strict procedures for accuracy and timely updates. 
FTC Advisory ( XXXX ) : A dismissed bankruptcy can not be used to imply financial hardship or default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: GA

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. 

XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX FIN - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XX/XX/XXXX 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 : It also states a consumer reporting agency can not furnish a 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 of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2025-03-28 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: FL

Complaint narrative:
Experian is reporting a debt by a credit collection company for a debt i don't own. XXXX XXXX sent me a letter for an alleged account and I requested validation for the debt and they have not responded since XXXX of last year. I disputed the account on Experian and provided them with the information but they still kept the account in my credit profile after the disoute with no explanation why. Portfolio recovery keeps reporting the account without providing any proof showing the account is mine.

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 2025-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JHL, LLC
State: FL

Complaint narrative:
Dream Finders Homes XXXX XXXX XXXX XXXX falsifying documents. Falsifying documents is a crime and this matter definitely needs to be investigated and my emails have all the proof. We purchased a new construction home on XX/XX/XXXX with Dream Finders with a 5 % deposit of {$27000.00}, and the closing was scheduled for XX/XX/XXXX. The new home address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. We decided not to move forward with the purchase so on XX/XX/XXXX, we notified them that we were not going to close on the home. On XXXX, we received two emails with a letter from the Closing department. The first one was addressed to a different name ( XXXX XXXX ) with a false statement that we failed to attend closing, but we notified them before closing that we were not going to close. They subsequently sent a revised letter fixing the name, but still had the same false statement. Also notice the home address was incorrect as " XXXX '' instead of " XXXX ''. After the letters we received were falsified, trust was broken. Definitely not sure if the people written down on the letters and emails are real employees. This is obviously a crime so Dream Finders and the people involved have to receive consequences for breaking the law. Filing a false document is a felony with 3 years in prison and the business can receive a big fine. Definitely an unfair and deceptive act and something worth looking into. One last thing to investigate is the fact that our home never showed on XXXX or XXXX as pending the entire time from XXXX which is suspicious. Here is the contact information for the Individuals involved : Owner & CEO of Dream Finders- XXXX XXXX VP Sales & Marketing - XXXX XXXX XXXX XXXX - Closing Coordinator ; XXXX XXXX XXXX XXXX - New Home Sales Consultant - we met in person ; cell : XXXX Other Individuals from GoldenDog Title Company XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Dream Finders Corporate Office : XXXX XXXX XXXX, XXXX XXXX FL XXXX Thank you for taking this claim. These past couple years, you have been very helpful for us. Your agency moves promptly. Looking forward to hearing from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-28 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Dispute & Civil Liability under 15 U.S.C. 1681o - Negligent Noncompliance To Whom It May Concern, I am writing to formally dispute the inaccurate information appearing on my consumer credit report issued by your organization. The specific account ( s ) in question is/are : XXXX XXXX XXXX XXXX XXXX I have previously notified you of these inaccuracies and provided sufficient documentation evidencing the errors, yet you have failed to perform a reasonable investigation as required by law, resulting in the continued reporting of inaccurate, misleading, or incomplete information. 



Under the Fair Credit Reporting Act ( 15 U.S.C. 1681o ), you are liable for civil damages for negligent noncompliance with the FCRAs requirements. Your failure to correct and remove this inaccurate information after proper notice constitutes negligent noncompliance. Due to this negligence, I have suffered measurable damages, including but not limited to [ list any damages like credit denials, higher interest rates, emotional distress, etc. ]. 



I hereby demand that you : 1. Immediately conduct a proper and reasonable reinvestigation of the disputed account ( s ).

2. Delete or correct the inaccurate information as required by the FCRA.

3. Provide me with an updated copy of my credit report reflecting these changes.

4. Cease any further reporting of inaccurate or unverifiable information regarding this/these account ( s ). 



Please be advised that failure to comply with these obligations may subject you to legal action, including seeking statutory and actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1681o. 



I expect your response within 30 days as mandated by the FCRA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: MS

Complaint narrative:
XXXX XXXX SS # : XXXX I am writing to formally dispute an item on my credit report. Upon reviewing my credit report, I noticed an account has been applied to my account that I believe was inaccurately reported. I would like to request that this discount be removed from my credit report as it does not reflect the true status of my account. 
XXXX Account XXXX : XXXX I have attached supporting documentation for your reference, including a copy of my credit report and any relevant account information to substantiate my request. I kindly ask that you review the information provided and take the necessary steps to remove the discount from my credit history. 

I understand that accurate reporting is essential, and I would appreciate your prompt attention to this matter. Please inform me of the status of this dispute as soon as possible, and do not hesitate to contact me should you require any further information or clarification. 

I am writing to formally dispute inaccurate information ( XXXX Account Number : XXXX ) on my credit report that is seriously affecting my financial WELL-BEING ... I am aware of my rights under the Fair Credit Reporting Act and I request a thorough investigation concerning these unverified inaccuracies, this is required by FEDERAL LAW!!!! 

Recently, the consumer, financial protection bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices are outlined by the CFPB. They include conducting an accurate investigation that failed to address consumers dispute properly. Reinstating previously disputed and inaccurate information without explanation. Failing to notify consumers about investigation result effectively. These allegations, highlight systematic issues, directly, undermine consumer protections and perpetuate the inclusion of inaccurate information on my credit report I am deeply concerned that these disputes may be mishandled handle in a similar manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding an incorrect and potentially damaging account reported by XXXX on my TransUnion credit report. The details of the account are : Creditor : XXXX  Account Number : XXXX Account Type : Installment Loan Date Opened : XX/XX/year> Status : 60 Days Past Due Balance : {$510.00} Past Due Amount : {$130.00} I dispute this entry for the following reasons : 1. Inaccurate Delinquency : The 60 Days Past Due status is not accurate according to my records. I have not received notice or proof of such delinquency from XXXX. 
2. Lack of Validation : I have not been provided with any documentation, payment history, or contractual agreement verifying the delinquency. 
3. FCRA Violation : Under the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation. If XXXX can not validate the details of this account, I request that it be permanently removed from my credit report. 
4. Consumer Harm : The inaccurate late status is unfairly affecting my credit score and ability to secure credit. 

I respectfully request a formal review of this account and written confirmation of your findings. If the account can not be verified, it should be deleted.

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 2025-03-28 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: PR

Complaint narrative:
In XXXX, I began reviewing my credit report, which showed that the payments on my XXXX  loan were accurate. Since XXXX, due to COVID-19, there have been relief measures for XXXX  loans. I also completed the documents to qualify for the relief program offered by Biden for XXXX  loans. Ensuring that everything was in order, I opened an account in XXXX with the lending company XXXX and had a debt of {$260.00}, which was paid off on XX/XX/XXXX. However, on XX/XX/XXXX, I was reported to the credit company for a late payment without receiving any postal correspondence or phone calls. They claimed I was 90 days late, which does not match what my credit report states, as only two of the three companies have reports up to XX/XX/XXXX. 

I contacted the company several times to get an explanation. After many attempts to resolve the issue, an agent informed me that the company had been bought by another organization and that this was happening to many people with XXXX  loans. It was supposed to notify borrowers before starting collections, which was not the case for me. My credit score was docked XXXX points. After further insistence, they told me they would send a letter to the credit company to help me since I paid on time. I have yet to receive a response. I have three XXXX  loan accounts, and I am facing the same issue with all of them. Additionally, some of these loans appear as closed accounts from a long time ago, and I would like these to be verified as well since this is impacting my credit. My account is up to date, and I am even making early payments, sometimes more than once a month. Attached is a letter received in XXXX. Please verify my three XXXX  loan accounts.

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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently Hard inquiries in the 3 principal bureau. 
Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Experian 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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:
Recently Hard inquiries in the 3 principal bureau. 
Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 Experian 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

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 2025-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
i did not open any account on XX/XX/year> please provide the proof with my signature stating that i did my way for making a living to support myself is being affected by this negative on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-28 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: IA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
identify you and your account.

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