vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute 3 alledged collection that was reported on my credit report. 
This collection account was reported by : XXXX. XXXX XXXX XXXX account number : XXXX XXXX  XXXX due as of XX/XX/2025. It was reported to CRA Experian XXXX. XXXX XXXX XXXX account number : XXXX {$1200.00} past due as of XX/XX/2025. It was reported to CRA Experian. 
XXXX XXXX XXXX XXXX account number : XXXX {$580.00} past due as of XX/XX/2025. It was reported to CRA Experian I requested them to provide me with the purchase agreement to the collection debts above that theyre saying is mine. Its a FCRA violation to have these collection placed on my credit reports under XXXX USC XXXX G and XXXX USC XXXX S2. 
I need these 3 collection to be deleted off my credit report as soon as possible.

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 2025-02-01 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: CA

Complaint narrative:
I am writing to formally dispute 3 alledged collection that was reported on my credit report. 
This collection account was reported by : XXXX. XXXX XXXX XXXX account number : XXXX XXXX  XXXX due as of XX/XX/2025. It was reported to CRA Experian XXXX. XXXX XXXX XXXX account number : XXXX {$1200.00} past due as of XX/XX/2025. It was reported to CRA Experian. 
XXXX XXXX XXXX XXXX account number : XXXX {$580.00} past due as of XX/XX/2025. It was reported to CRA Experian I requested them to provide me with the purchase agreement to the collection debts above that theyre saying is mine. Its a FCRA violation to have these collection placed on my credit reports under XXXX USC XXXX G and XXXX USC XXXX S2. 
I need these 3 collection to be deleted off my credit report as soon as possible.

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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 2025-02-01 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:
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, reporting, leaving inaccurate or unverifiable accounts resolved. 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 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 experians 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XX/XX/XXXX The following inquiry was not and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} UNAUTHORIZED INQUIRY XXXX XXXX XXXXXX/XX/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 2025-02-01 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: VA

Complaint narrative:
These are the reported accounts that I want removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
We opened our mortgage statement for XXXX this morning ( it is XX/XX/XXXX today ) and discovered that our mortgage payment is higher than it was last month. We had NO idea what was going on so we called Shellpoint to find out. They told us that our escrow has increased. When we told them we had NOT received a notice about the change in the escrow they told us that they sent the notice on XX/XX/XXXX -- that is the XXXX of THIS month. We are complaining because they did NOT give us enough notice for us to make the necessary adjustments in our budget to be ready for this change. Shouldn't they give us more notice? We haven't even received the notice yet!! And yet they want us to pay a higher escrow amount before allowing us the time to review the escrow account and their new charges!! They are sending us another escrow statement but told us that it would take 10 business days from to day to receive it and they STILL want us paying no later than the XXXX or they will assess us a late fee. They refuse to waive the late fee and they refuse to allow us time to review the new escrow charges before we make our XXXX payment. We need time to review those new charges!! With what other homeowners reviews have said about Shellpoint 's practices, I want to be sure they aren't charging us for products that we don't need! And I want it in writing on paper in my hand!! When we were still with XXXX XXXX XXXXXXXX, they gave us the common courtesy of giving us two months to review a new escrow decision and prepare our budget for the new amount. Shellpoint isn't giving us any time at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CL Holdings LLC
State: TX

Complaint narrative:
Credit reporting for a collections account that has XXXX XXXX listed as the original creditor was verified as accurate in less than 30 days. Request for original contract with XXXX XXXX that contains my signature for validation. As of XX/XX/year> XXXX has no collection accounts listed on my credit. The reportings from this agency is inaccurate and inconsistent with the CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I recently reviewed my credit report and noticed an unauthorized credit inquiry from the company listed below. I did not authorize this inquiry, and I am writing to formally dispute it and request that it be removed from my credit report. 

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 2025-02-01 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: TX

Complaint narrative:
PLEASE HARD RESET MY EXPERIAN BECAUSE THE MEMBERSHIP WAS NOT OPENED BY ME AND I WANT TO OPEN ACCOUNT

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Its been XXXX  years Ive been trying to get a report and score update, I was told numerous of times to give it a few weeks and nothing ever changed.

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 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I'm a XXXX living in my first owned apartment. I have never leased or signed any agreements with a landlord. I've also reported identity fraud to the IRS because someone has been attempts to file my taxes without my consent. I'm seeking help and assistance in removing this issue from my credit report as promptly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
This morning I received a {$540.00} direct deposit and now I have XXXX. My transactions are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. That equals XXXX. Minus the XXXX I have XXXX is just gone. 

I contacted support and they said A technical error that occurred between XX/XX/year> and XX/XX/year> impacted one or more of your XXXX XXXX transactions. That time, merchants that you used your XXXX XXXX with successfully received payment but the funds were not deducted from your account. As a result, your account balance was temporarily higher than it should have been because your payment to the merchant did not decrease your account balance. 

That is not only incredibly shady, but its not true. I always check my balance after a purchase. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: OH

Complaint narrative:
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 action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally raise a concern regarding the inaccurate reporting of criminal records on my credit report and to address how this reporting may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified that criminal records have been included in the report. I would like to point out that under the FCRA, specifically Section XXXX XXXX XXXX XXXX criminal records should not be reported on consumer credit reports after XXXX years. Criminal history is not a factor that should be considered in determining creditworthiness, and such information is not meant to be included for an extended period of time, particularly when it exceeds the legally defined reporting window. 

The inclusion of criminal records past the legal reporting period or the improper reporting of such information goes against the FCRAs protections against reporting obsolete or irrelevant data. I ask that you immediately investigate the matter and ensure that any criminal records that do not comply with the FCRA guidelines are removed from my credit file. 

Please provide confirmation once the necessary corrections have been made, or if further action or documentation is required on my part to facilitate the resolution of this issue. 

Thank you for your prompt 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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally raise a concern regarding the inaccurate reporting of criminal records on my credit report and to address how this reporting may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I have identified that criminal records have been included in the report. I would like to point out that under the FCRA, specifically Section XXXX XXXX XXXX XXXX criminal records should not be reported on consumer credit reports after XXXX years. Criminal history is not a factor that should be considered in determining creditworthiness, and such information is not meant to be included for an extended period of time, particularly when it exceeds the legally defined reporting window. 

The inclusion of criminal records past the legal reporting period or the improper reporting of such information goes against the FCRAs protections against reporting obsolete or irrelevant data. I ask that you immediately investigate the matter and ensure that any criminal records that do not comply with the FCRA guidelines are removed from my credit file. 

Please provide confirmation once the necessary corrections have been made, or if further action or documentation is required on my part to facilitate the resolution of this issue. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
Advance group Inc original debt was from XXXX, advance entered judgement XX/XX/XXXX. Debt can not be found on my credit report but judgement to garnish wages was entered. 
In the amount XXXX principal and XXXX after fees and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXXXXXX 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