vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filling a complaint on Cash App ( Block, Inc ) due to inadequate customer service and unfair practices. Which violate the consumer financial act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I pulled a copy of my credit report and noticed a charge off, which is defined as debt that has been discharged that your agency took a tax write off on. After I contacted the IRS, they explained that it was illegal that you were reporting this information on my credit report, with trying to collect or having a charged off status. 

According to the IRS, this is tax fraud and I am not afraid to report you for this. As is my right, I am demanding that you DELETE this inaccurate information from my credit report and demand you to send me a copy of

the 1099-C to the address above or via email. Your agency has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads to you violating 15 USC 1681s-2, because you now have reasonable
cause to believe the information is inaccurate, so you would WILLFULLY continue to violate various federal laws by continuing to report this information thats harming my character.

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 2025-01-14 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: PA

Complaint narrative:
i received a response from the credit bureaus saying that the next items will be deleted but they still show on my report. 
this items are effecting me in applying for new credit. please delete them as soon as possible. 
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 2025-01-14 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: TX

Complaint narrative:
Experian, XXXX and XXXX 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 2025-01-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Equifax Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency.

Other adverse information, such as collections or charge-offs, must also be removed after 7 years.

The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX XXXX must be removed after 10 years from the date of filing. 
XXXX XXXX  bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Elite Recovery Group LLC
State: OR

Complaint narrative:
Elite collections service, XXXX XXXX XXXX XXXX XXXX XXXX  contacted me by phone ONLY demanding payment in full, in EVERY single interaction. NOT ONCE did they even express payments plans in ALL interactions. NOW they are representing in my credit reports that I am BEHIND on payments starting XXXX of 2024, falsely representing that I had reached some sort of agreement and failed to pay! I will give them credit as they DID try and give me an offer for a reduced payment... but NEVER EVEN once offered payment plan AS REPRESENTED in my credit report as an option. ALSO when asked for written proof of my interactions with me, NEVER ONCE did they try and contact me by E-mail OR Residence mail - they don't even have that information on file for me... IT WAS TOTALLY PHONE COMUNICATION, AND DEMAND OF FULL PAYMENT ON PHONE ONLY COMUNICATION... THEY DID NOT OFFER any information about the place of buisiiness OR ANY OPTION dispute ... just full payment and immediatetly!! When I inquired about " if i make payment, would this have any bearing on already reported activity '' as per can I fix any reports already filed Elite Collection service claimed that they COULD restore my credit, by offering some sort of letter to the. AND GAVE NO WARNING THAT THEY COULD FALSLY REPRESENT A NON-PAYMENT AGREEMENT MONTH BY MONTH- again as NO MONTHLY payment plan was EVEN CONSIDERED AS AN optiion from them. As i was unable to pay in full, I refused the agreement. If i were presented with a payment plan of CONSIDERABLE monthly payments I would have tried to resolve this issue .... NOW MY CREDIT report is TRASHED over an optiion which was NEVER given to me. NOT ONE TIME HAS THIS COMPANY EVER SENT ME ANY WRITTEN STATEMENTS ABOUT ANYTHING - EMAIL OR PHYSICAL MAIL EVEN WHEN I REQUESTED SO REPEATEDLY. WHEN iNQUIRED ABOUT IT ( ANY WRITTEN STATEMENT ABOUT ANYTHING ) NO OONE EVEN ASKED MY ADDRESS AND THIS COMPANY REFUSED TO DO SO. PLEASE ASK THIS COMPANY TO PROVIDE MY ADDRESS OR EMAIL -- - they can not!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a dispute to TransUnion by mail, but they are refusing to investigate my case, claiming that the documents were submitted by a third party. In reality, I am the one submitting my own documents and dispute.

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 2025-01-14 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NM

Complaint narrative:
I am disputing multiple creditors including XXXX and XXXX for two car loans that were stolen because of a case I was a victim in All the negative credit is because I was attacked ( XXXX ) by violence and trying to figure out the best way to remove the reports that are incorrect. 
XXXX XXXX XXXX is charged off for the bank not doing anything about the fraud and refused to send me a new card or resolve the fraud that still continues in my life. 
I have been at the bank for 30 years with direct deposits from social security since XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am XXXX I still can not go online to do anything after 3 years.i set up a meeting with XXXX XXXX executive offices to ask for accommodations since they gave me such a hard time when I would go to the bank on person. 
I have voice recognition set up and they still can not resolve my credit card or online banking issues and fraud. They have now charge off my credit line because of identity theft l fraud and refused to assist me. They told me to contact you or the attorney general for help I am a victim please help me with the proper documentation to resolve my fraud issues and continued night are with XXXX XXXX and all the creditors that do not hear what I have been telling them that I have been experiencing fraud etc How do I get my financial life back? 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC
State: ID

Complaint narrative:
My check is being garnished for a debt that is not mine, they said I was surved paperwork and I wasnt. Didnt receive anything about this .this debt is over 8 years old. Garnishment will cause me to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
SEE ATTACHED Subject : Formal Dispute Regarding Credit Reporting Inaccuracies and Reference to CFPB Complaint To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report maintained by XXXX. This letter also serves as notice that I am referencing relevant complaints filed with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's compliance with federal credit reporting regulations under the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies on my credit report 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  These inaccuracies violate my rights under the FCRA, which mandates the accuracy and fairness of consumer reports. I am also concerned about XXXX 's processes regarding timely investigation and correction of reported inaccuracies, as indicated in recent CFPB actions against XXXX. 

Attached to this letter, I am providing the following documentation to support my dispute : - A copy of my identification ( e.g., drivers license or utility bill for verification ). 
- Supporting documents regarding the disputed accounts ( e.g., bank statements, correspondence, or account closures ). 
- A copy of the specific credit report containing the errors, with inaccuracies highlighted. 

I request that Transunion : 1. Investigate these inaccuracies in accordance with 15 U.S.C. 1681i of the FCRA.

2. Provide a written response within 30 days outlining the investigation 's outcome.

3. Send me a corrected copy of my credit report if the inaccuracies are verified and rectified.

Should you fail to investigate or correct these inaccuracies, I am prepared to escalate this issue through additional complaints to the CFPB and, if necessary, initiate legal proceedings to ensure my rights are protected.

Please confirm receipt of this letter and all attachments within five business days. I look forward to your timely resolution of this matter.

Thank you for your attention to this urgent 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 2025-01-14 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:
I recently reviewed a copy of my Transunion consumer report that listed a balance with XXXX XXXX. This information is not correct because this debt has been officially canceled per IRS acceptance. See Attached. This account should reflect as paid in full.

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 2025-01-14 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: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: CT

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Opened a HELOC with TD Bank in XXXX. They suggested $ XXXX limit, I said I only needed $ XXXX. As it turns out, they neglected to tell me that the $ XXXX loan carried an interest rate that was XXXX points lower than the $ XXXX loan ( even though I was well qualified for the $ XXXX loan ). 

Result XXXX - I have been paying excess interest to TD since 2017. 

Result XXXX - My XXXX score suffered because the $ XXXX I wound up using ( of the $ XXXX limit ) was over 50 %, and that showed " credit utilization too high ''. 

If I had taken the $ XXXX loan, I would have been paying less interest, and my XXXX score would have been higher over the past XXXX years. 

I spoke to TD about lowering the interest rate and their response was a flat NO. 

My response was to open a HELOC with another lender ( at a lower interest rate ) and pay off TD completely. 

Frankly, I have had ex-wives who treated me better than TD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NC

Complaint narrative:
I MADE THE COMPANY AWARE THAT THERE WERE FRADULAT CHARGES ON THE CREDIT CARD THAT CAUSED THE {$400.00} LIMIT CARD TO BE CHARGED OVER XXXX. THEY NEVER INVESTAGATED THE ISSUE. THEY SIMPLY KEPT THE BALANCE AT A NEGATIVE XXXX. THEY THEY DROPPED IT DOWN TO {$1400.00}. I NEVER MADE ANY PURCHASES TOTALING OVER XXXX WITH THIS CARD. I WROTE THEM IN XXXX OF XXXX  ASKING FOR THIS TO BE INVESTAGATED AND CORRECTED AND ALL I HAVE EVER RECIEVED WAS A BILL. I ALSO REACHED OUT TO THE CREDIT BUREAUS AND THEY DID NOT DO A COMPLETE INVESTIGATION AS REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I MADE THE COMPANY AWARE THAT THERE WERE FRADULAT CHARGES ON THE CREDIT CARD THAT CAUSED THE {$400.00} LIMIT CARD TO BE CHARGED OVER XXXX. THEY NEVER INVESTAGATED THE ISSUE. THEY SIMPLY KEPT THE BALANCE AT A NEGATIVE XXXX. THEY THEY DROPPED IT DOWN TO {$1400.00}. I NEVER MADE ANY PURCHASES TOTALING OVER XXXX WITH THIS CARD. I WROTE THEM IN XXXX OF XXXX  ASKING FOR THIS TO BE INVESTAGATED AND CORRECTED AND ALL I HAVE EVER RECIEVED WAS A BILL. I ALSO REACHED OUT TO THE CREDIT BUREAUS AND THEY DID NOT DO A COMPLETE INVESTIGATION AS REQUESTED.

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 2025-01-14 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: TX

Complaint narrative:
Your company placed inquiries on my credit report that I did not authorize, and its creating issues with my credit that I shouldnt have to deal with.

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