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: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX and I purchased a XXXX XXXXXXXX XXXX which was financed by capital one auto. We were working after getting slightly behind on catching up the payments. We had several conversations and agreements with Capital One auto finance. On XX/XX/XXXX, I was involved in an accident where I was rear ended. The insurance determined that the car was a total loss capital one was issued a check for XXXX in XX/XX/XXXX. Upon trying to get another car financed, we discovered that Capital One had reported a profit and loss ride off total charge off of our vehicle in XX/XX/XXXX while we were still making payments. After several conversations with Capital One finance, I was informed on XX/XX/XXXX that capital one showed in their system that the vehicle was repossessed on or about XX/XX/XXXX which is the reason they gave for reporting yet as a write off charge off total loss. However, the car could not have been repossessed because I was in an accident and said vehicle on XX/XX/XXXX, which resulted in total loss and injury. Capital One finance indicated that they would not change the status of this account even though they have cashed the check. {$16000.00}. The current balance is slightly over {$4000.00} which was supposed to have been covered by gap insurance XXXX group, which is not also being covered because Capital One reported this vehicle as havent been repossessed in XX/XX/XXXX and have called this a charge off. I believe that this is fraudulent on their part. I also believe it supports Libel against myself and XXXX XXXX and have created further credit issues resulting in our inability to acquire an auto loan to replace the vehicle which was total. I would like for our credit report to be accurate thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
Three year lease of Volvo XXXX that ended XX/XX/year> that was financed via Volvo Car Financial Services ( " VCFS '' ). All payments for the entirety of the lease were prompt and no issues. Upon turning in the car there was a final billing of {$480.00} for the inspection of damage on the car. Sent in attempts to make payment but as they were from a Company on my behalf not processed. Months later received notice of payment still outstanding and sent another. However, it was discovered that prior to sending me the notice months later, they had already reported the amount as a charge off to the credit bureaus. From the letter and payment being resubmitted it was paid in full but it is still noted as charged off on the credit report. Despite stating they could not edit prior reports ( as they had reported it as a charge off prior to notice ), they also changed the credit report to then move the " charge off '' from the month they reported to the month it was actually paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Dear ( LVNV Funding LLC ). lam writing in response to your letter dated ( insert date ), ( copy enclosed ) because I do not believe that I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) : Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 

Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 

Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

Signature XXXX XXXX XXXX

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 is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Currently on my XXXX report on XXXX XXXX, it is indicated that the Capital One account has 54 missed payments, but the information displayed on XXXX is inaccurate which should state *never late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am a 100 % XXXXXXXX XXXX  and in XX/XX/year>, I sent that information to our county 's tax accessor and then shared that with our mortgage company - PennyMac. The representative on the line misunderstood or was not clear on what it meant to be a XXXXXXXX XXXX and have a tax exemption. They removed ALL taxes from our account and sent out a disbursement check, after a few months they realized the mistake and have increased our escrow payments well above what our mortgage before even sending in the tax exemption was. Roughly a {$2000.00} increase. I am a XXXX  and my XXXX XXXXs XXXX XXXXXXXX XXXX After many calls to PennyMac to rectify this situation, they stated my husband told them we were tax-exempt and so they made the changes versus looking into their paperwork and doing their due diligence. We have no been paying for the mistake XXXX 's employee 's have made for 3 years, while our mortgage continues to increase. This feels predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: FL

Complaint narrative:
I have done paid this account off I am in the process of buying a home and I am asking for a goodwill deletion of this collection from general revenue.

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: GA

Complaint narrative:
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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with [ XXXX ], this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX

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: TX

Complaint narrative:
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 XXXX XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with [ XXXX ], this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX

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: IL

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
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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Around three years ago, I applied for a credit card with XXXX, I was contacted by XXXX stating my Social Security number was unable to be verified, they provided me with Experians phone number, in which I contacted them, and they would not answer the phone or let me speak with a representative, Ive created an online account, and I am unable to request informational change due to my social not being verified through their own website.

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: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I have been called incessantly by at least three numbers [ ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX ] telling me that they are debt collectors for XXXX XXXX XXXX XXXX XXXX XXXX  They were evidently aware that I do, in fact, have debt from XXXX XXXX, as well as the appromate amount ( the number they quoted me was off by about {$75.00} ). I have been ignoring the " debt collectors '' for quite a while due to my difficulty finding the money to pay off the debt. When I finally was able to reach out to pay, a few things were off : they offered with no prompting to reduce the amount owed from around {$3100.00} to {$2500.00}, so long as I made the payment that same day. While I wish our medical industry were so generous, we all know otherwise. When my family member called them back, she asked if they could reduce it further and they said to " make an offer. '' They then said that they would check if they could accomodate the adjusted price and would contact us in a couple days. It became more and more clear that something was off, so I called XXXX XXXX to ask which debt collectors they work with. Obviously this XXXX based scamming opperation was not one of them. XXXX XXXX gave me the phone numbers to the debt collection agencies they work with.

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: GA

Complaint narrative:
To Whom it May Concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

-The only address that should be listed on my credit report is the address provided on my Drivers License XXXX XXXX XXXX XXXX Any other addresses should be removed. 
-Account name DEPT OF EDXXXX XXXX Balance {$19000.00} -Account name DEPT OF EDXXXX XXXX Balance {$79000.00} -Account name DEPT OF ED/AIDVANTAGE XXXX Balance {$8200.00} *I graduated college in XXXX and I never attended these schools which loans started in XXXX. I've been battling this for years with no results. 
-Account name XXXX XXXX XXXX Balance {$99.00} Credit limit {$1400.00} -Account name XXXX XXXX Status Account charged off. {$15000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 
-Account name XXXX XXXX XXXX XXXX. {$400.00} written off. 
-Account name XXXX XXXX XXXX XXXX  Account charged off. {$15000.00} written off. {$18000.00} past due as of XX/XX/XXXX. 
-Account name XXXX XXXX XXXX Status Collection account. 
-Account name XXXX XXXX XXXX XXXX  Collection account. {$450.00} -Account name XXXX XXXX XXXX XXXX Balance {$810.00} XXXX remove highlighted unrecognized inquiries including XXXX, XXXX, and XXXX Main. 
Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report. The fraudulent items are highlighted. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

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: 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 has failed to fulfill its legal obligation under the fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic-issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.

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: TX

Complaint narrative:
I recently reviewed a copy on my credit report, and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
XX/XX/year> {$15.00} I believe there's another transaction from this person a year ago on another card my money was taken also

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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