vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Subject : Follow-Up Complaint Equifax Unjustified Request for Personal Information CFPB Case number XXXX Complaint Details : I previously submitted a complaint to the CFPB regarding Equifaxs failure to provide documentation when requested during multiple credit disputes. In response to my CFPB complaint, Equifax is now requiring me to submit proof of address and a government-issued ID to proceed with resolving my complaint. 

I believe this request is unnecessary and unrelated to my original complaint, as I am not disputing my identity but rather XXXX failure to provide supporting documentation for their dispute determinations. Additionally, Equifax had no issue processing my prior disputes without such documentation, which raises concerns about whether this request is being used as a barrier to resolving my complaint. 

I am requesting that the CFPB review XXXX actions and determine whether this additional request is justified. I believe Equifax should be required to address my complaint based on the merits of the case without imposing undue verification requirements that were not originally necessary. 

Desired Resolution : I request that Equifax be required to respond to my original complaint without unnecessary requests for ID and proof of address. 

I ask that the CFPB review whether Equifax is using this as a delay tactic to avoid compliance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I reviewed my Consumer Reports and noticed that I had four ( 4 ) late payments on an account that I was never late and another person that I don know who is joint to my account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) # ( XXXX ) Please one more time reinvestigate and provide Proof with statements showing that these payments were late and the information in my account is accurate.This is my four complaint in this account and everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2
State: GA

Complaint narrative:
Company is reporting the wrong balance on my credit report as affirmed by the balance sheet their lawyer ( at the time ) sent to me XXXXXXXX XXXX  XXXX. Their representation also filed these documents containing a different balance in a lawsuit they filed ( or frivolously threatened to file ) in XXXX AFTER the statute of limitations in the state of GA had expired. When I reported this to XXXX during a dispute in XXXXXXXX XXXX XXXXXXXX they stated the debt was validated by Persolve. Due to this dispute being repeated MANY TIMES over many years for wrong balance and fraudulent reporting I am requesting immediate removal. XXXX has been inaccurately categorizing my dispute request as Invalid date instead of invalid balance and failure to validate even though Persolve/XXXX XXXXXXXX XXXX offices has taken longer than the allied XXXX days to respond to my validation request. I am requesting this debt be removed from my report entirely due to the FDCPA which prohibits XXXX XXXXXXXX from making false statements about the character, amount, or legal status of your debt. My rights have been violated by XXXX and XXXX XXXX XXXX XXXX XXXXXXXX Persolve Recoveries LLP and reporting as PERSOLVE LEGAL GROUP XXXX. My disputes have been inaccurately flagged as frivolous and have been closed sometimes as soon as XXXX day due to lack of and inadequate investigation or they constantly reset the clock on my claim to allow the furnished more than the allotted XXXX days to respond. XXXX has not once even though requested submitted to me evidence regarding their actions in processing of my disputes. And Persolve has once again over the phone stated to me that they are not pursuing any legal action when last year they claimed to be filing a lawsuit against me and transferred my case to XXXX XXXX AND XXXX who has also sent me ( and submitted to the courts ) balance information that differs from what is reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX account number XXXX was not properly investigated. 

XXXX XXXX XXXX account was not properly deleted or investigated XXXX XXXX XXXX XXXX XXXX XXXX account was not properly deleted or investigated XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX account number XXXX was not properly investigated. 

XXXX XXXX XXXX account was not properly deleted or investigated XXXX XXXX XXXX XXXX XXXX XXXX account was not properly deleted or investigated 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 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
In XX/XX/XXXX I was granted a mortgage modification by XXXX XXXX XX/XX/XXXXXXXX servicing of the mortgage was transferred to Community Loan Servicing XXXX This company did not follow mortgage modification and I was overcharged. In XX/XX/XXXX I contacted Community Loan Servicing and brought this matter to their attention. To date I have not received refund of my overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc.
State: MN

Complaint narrative:
I am receiving emails of harassment, abusive and profane language from the Stark Collection Agency which is a violation of the Fair Debt Practices Act ( FDPA ) under federal law for a debt collection account from XXXX XXXX XXXX, the original creditor. The debt collection account from Stark Collection Agency is not my account or debt, and the debt is fraudulent and the result of identity theft. I have never applied for or had an account with XXXX XXXX XXXX. I am a victim of identity theft. The reference number of the debt collection account is : XXXX, XXXX XXXX XXXX Account Number is : XXXX, Balanced Owed : {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliant Capital Management LLC
State: AR

Complaint narrative:
What occuured is that I recieve a email about a debt that was presented to the orginal creditor as fraud.The creditor was XXXX XXXX, which supposedly sent the debt to the company or collection angency call Alliant Capital XXXX XXXX on XXXX XXXX, which inidctaed that to dispute this debt I had until XXXX, which I disputed the whole amount because it was fraud and the information was changed after this account was open.The account was open XXXX XXXX and the information was changed after opening of this account XXXX 5,2021.With Alliant Capital XXXX XXXX there was a timeframe to dispute this amount until XX/XX/year>, which I disputed the whole amount on XXXX XXXX, because of fraud after opening of this account.It is reporting on my credit report after sending Alliant Capital/XXXX XXXXXXXX XXXX the police report , FTC report that relates to this fraudulent account and a written affavidait that was signed and notarized in XXXX of XXXX  about how the account was open after changing the account information after opening in XXXX XXXXThe account is showing up on my XXXX credit report and showing up on my XXXX as closed account.This account was from XXXX XXXXXXXX which I have tried to fix this account with XXXX XXXX as well when XXXX sent an email on XXXX XXXX that I do not have an account XXXX  XXXX and thank me for appyling.XXXX sent an email stating thank me for applying which I did not apply for this account on XXXX XXXX have already submitted a complaint with the CFPB about XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MS

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts 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 2025-02-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UPGRADE, INC.
State: AR

Complaint narrative:
What occuured is that I recieve a email about a debt that was presented to the orginal creditor as fraud.The creditor was Upgrade Inc, which supposedly sent the debt to the company or collection angency call XXXX XXXX XXXX XXXX on XXXX XXXX, which inidctaed that to dispute this debt I had until XXXX/XXXXXXXX which I disputed the whole amount because it was fraud and the information was changed after this account was open.The account was open XXXX XXXX and the information was changed after opening of this account XXXX XXXXWith XXXX  XXXX  XXXX XXXX there was a timeframe to dispute this amount until XX/XX/year>, which I disputed the whole amount on XXXX XXXX, because of fraud after opening of this account.It is reporting on my credit report after sending XXXX XXXX XXXX XXXX the police report XXXX FTC report that relates XXXX this fraudulent account and a written affavidait that was signed and notarized in XXXX of XXXX  about how the account was open after changing the account information after opening in XXXX XXXXThe account is showing up on my XXXX credit report and showing up on my XXXX as closed account.This account was from Upgrade Inc which I have tried to fix this account with UPGRADE INC as well when UPGRADE sent an email on XXXX XXXX that I do not have an account UPGRADE INC and thank me for appyling.UPGRADE sent an email stating thank me for applying which I did not apply for this account on XXXX XXXX have already submitted a complaint with the CFPB about UPGRADE INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-17 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: NC

Complaint narrative:
According to 15 USC XXXXc Experian and Equifax violated my rights by unlawful communications in regards to this collection account : XXXX XXXX. Please remove this collection 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 2025-02-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear PayPal, I am writing to you to raise an issue about : Paypal The issue that I have experienced was : ..Upon reaching my threshold limit which is XXXX early XXXX paypal held any incoming amount on my account..meaning i couldnt access my balance instantly.. 
afterwards on the XXXXXXXX XXXX XXXXXX/XX/year> they placed a permanent ban on my account for no good reason... 
I genuinely feel its unfair coz i have not indulged in any fraudulent activities before or even chargebacks ... this is my main account/business account... I receive cash from clients who have already received my services XXXX XXXX XXXX writings, cyber services. 
I also cant withdraw from the account or even receive cash kindly help me get a solution.

Company response to consumer: Closed with explanation