vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: NJ

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/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-06 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: NJ

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/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear C/O XXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact.

Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved.

Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General.

Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
The account was charged off but yet Prestige Financial Services has filed a lawsuit against me when they have violated the fair credit report act. They filed a claim with the insurance company to collect on the vehicle and yet are fraudulently trying to still collect on a charge off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cashapp has closed account there was time when funds was not replaced not being able to dispute items

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian Dispute Department. I am writing to formally dispute inaccurate information that remains on my credit report despite previous dispute file with your agency. I would like to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S code 1666 ( B ) under the billing error category ; ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued by the obligor on a statement.

( 5 ) a computation error or similar accounting error made by the creditor on a statement.

It is my Knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts.

I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I fail to make a payment resulting in an erroneous designation as late-a sign of an invoicing error therefore.

The failure to correct or remove this information after my attempt to resolve it is in violation of your obligations under The Fair Credit Reporting Act ( FCRA ), As recently highlighted in The Consumer Financial Protection Bureau ( CPFB ), lawsuit against Experian ( Case No.8:25-CV-24 ) you also violated my Consumers Rights And Privacy under the 605B.1666B.1681B and 1637B.

I am a victim of the latest data breach.

I humbly request that the subsequent entries be promptly updated on my consumers report to reflect their current status as follows : paid 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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Reappearing Negative Account after Identity Theft Dear Sir/Madam, I am writing to file a formal complaint regarding an issue with a negative account listing that appeared on my credit report. In XX/XX/scrub> 2025, I disputed a XXXX XX/XX/XXXX account ( Account Number : XXXX ) which was reported as a closed account in the amount of {$1700.00}. This account was initially deleted after I identified it as a result of identity theft. 

However, after the account was successfully removed from my credit report, I noticed that it reappeared on both my TransUnion and XXXX credit reports just one week later. The account is still being reported as a negative mark, which is unfair and inaccurate, especially since it was tied to identity theft. 

Additionally, for the record, my Social Security number has been flagged as part of a nationwide data breach, which further supports the claim that this account was not opened by me and was the result of fraudulent activity. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that this inaccurate and harmful information is permanently removed from my credit reports. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Please let me know if you require any additional information or documentation to process my complaint. 

Thank you for your attention to this matter.

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 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a charge-off on my credit report. The original creditor has written off the debt and sold it to a debt collector, but this sale and the updated status of the account are not reflected in my credit report. The charge-off is still reported under the original creditor, with an outstanding balance, and there is no mention of the debt collector handling the account. 

On my credit report it states that the account was charged off in XX/XX/year>. I have been receiving calls and emails regularly from XXXX and XXXX, XXXX at XXXX XXXX  since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised, including 70 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> I requested a VALIDATION AND CEASE AND DESIST which is in accordance with the ( FDCPA ) to MIDLAND CREDIT MANAGEMENT VIA mail which they have ( XXXX ) different accounts reporting on my credit report. 
*XXXX  - XX/XX/year> I requested a XXXX VIA MAIL which hasn't been furnished to me but reflects charged-off written off. 
XXXX XXXX XXXX XXXX, XXXX I requested a XXXX ( XXXX ) accounts VIA MAIL because it reflects on my credit report as charged off, written off. These accounts have been written off a a profit loss and they are required to provide a XXXX so I can write it off as income.Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while claiming you owe the debt. 
XXXX XXXX XXXX XXXX XXXX ) ACCOUNTS XX/XX/XXXX, XXXX MAIL VALIDATION AND CEASE AND DESIST LETTER. 
XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS VALIDATION AND CEASE AND DESIST LETTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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 am writing to file a complaint against Experian for failing to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have attempted multiple times to resolve inaccuracies on my credit report through formal dispute letters, but Experian has failed to adequately investigate and correct these errors. 
I have read about the recent lawsuit filed by the CFPB against Experian for sham investigations into consumer disputes and re-inserting incorrect information into consumer credit reports. Based on this lawsuit and my personal experience, I believe that Experians actions are in violation of the FCRA, and their failure to properly investigate and address the inaccuracies on my credit report is causing significant harm.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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. Futhermore, 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 2025-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I submitted my mortgage payment of {$3000.00} to XXXX XXXX XXXX/LoanCare via ACH payment setup. However, on XX/XX/year>, the payment was unexpectedly refunded, and a late fee was assessed, even though I had sufficient funds in my account at the time of the transaction. 

I was never notified of the returned payment or the late fee until attempting to submit my XX/XX/year> payment, at which point I was informed that my account was marked delinquent for XXXX. Upon speaking with a LoanCare representative on XX/XX/year>, I provided bank statements proving sufficient funds and was assured that my late fee would be waived and the delinquent status corrected. I immediately paid both the XXXX and XXXX payments in full as advised. 

Despite this, I later discovered that the delinquency was still reported to the credit bureaus, negatively impacting my credit score. I contacted my financial institution, which confirmed that the original XXXX payment was never returned and that LoanCare did not process any refund to my account. 

I have since provided all supporting documentation to LoanCare, including bank statements confirming funds availability, yet the delinquency remains on my credit report. LoanCare has failed to correct this error, despite acknowledging the possibility of a clerical mistake. 

This clerical error has unfairly impacted my credit history despite my long-standing record of on-time payments. I expect a prompt resolution to this matter.

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 2025-02-07 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: CA

Complaint narrative:
I am listing XXXX accounts fraudulent from my Experian credit report and XXXX account fraudulent from my Transunion credit report. Experian accounts that are fraudulent : XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX account that is fraudulent : XXXX XXXX XXXX. The listed accounts do not belong to me and must be removed from my Experian and Transunion Credit reports. I had a call with the company and the credit reporting agency advised me to fi le an identity report for deletion. I am requesting Experian and Transunion to mark listed accounts as fraudulent and remove from my credit report. Thank You!

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 2025-02-06 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:
This is in reference to COMPLAINT ID XXXX. 


Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Team , I am writing in response to your request for additional documentation to verify my identity and address regarding my dispute COMPLAINT ID XXXX in your letter dated XX/XX/year> ). As instructed, I have enclosed : **1. Identification Verification** - Copy of my valid Social Security card containing my complete 9-digit front and back scanned.

**2. Current Address Verification** - Recent pay stub showing my current address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. 

Both documents meet the requirements outlined in your verification categories. 
I have included : - A copy of this email/letter - The original request letter - Legible, unaltered copies of requested documents Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Aidvantage repeatedly fails to correctly manage my student loans. They are beyond incompetent and should go the way of XXXX, XXXX and XXXX in the sense that they should be sued into oblivion for utter incompetence. 

My federal student loans are handled through Aidvantage. I am on the XXXX loan repayment plan. On XX/XX/XXXX I applied to switch to the XXXX loan repayment plan because the XXXX XXXX is doing their best to destroy the XXXX plan. 

XXXX XXXX XXXX  guidance states that if servicers ( i.e. Aidvantage ) need time to process a borrower 's application, they will move the borrower into a processing forbearance for up to 60 days. During these 60 days, time spent working will be counted towards public service loan forgiveness ( PSLF ). I want my time spent working to count towards PSLF. 

https : //www.ed.gov/higher-education/manage-your-loans/save-plan. " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to 60 days. '' I have contacted Aidvantage repeatedly to ask that they place my loans into processing forbearance. Their employees run the gamut of not knowing what I am talking about or giving wholly incorrect information, at all times refusing to properly manage my loans. 

On XX/XX/XXXX I called Aidvantage and messaged them on their online messaging service. The person I spoke to on the phone told me I was in the processing forbearance already. The person in the online chat said that I was not. 

On XX/XX/XXXX I contacted Aidvantage again. They told me my loans are placed in general forbearance until XX/XX/XXXX ( longer than 60 days ). They told me that this is not a processing forbearance, and that I am not eligible for a processing forbearance because the litigation about the XXXX plan is ongoing.

Company response to consumer: Closed with explanation