vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
In late XXXX, my father 's XXXX progress and spread. XX/XX/XXXX I was notified my father 's XXXX was extremely aggressive and he needed XXXX XXXXy. He was referred to XXXX XXXX for XXXX therapy. His medical team informed me that during the first 7 days of each 6 week treatment, he needs to be more than 3 feet away from other humans. It was suggested that we get an emotional support dog to help during this transitional time. After researching we decided on a mini XXXX due to their temperament, companionship, and trainability. Having never owned a pet, I investigated breeders, finding that prices were very expensive I turned to XXXX groups for advice and was contacted by XXXX XXXX for adoption in XXXX XXXX XXXX. ' I began corresponding with them and settled on a puppy named XXXX for {$650.00} I was to send {$320.00} ( XXXX XXXX ) immediately to hold him and the remaining {$320.00} ( XXXX XXXX ) upon pickup. On XX/XX/XXXX I was told XXXX needed vaccinations and was asked to send {$320.00}. I did but they claimed it was not received. I contacted my bank and confirmed the payment was pending, I cancelled it and resent. XXXX said their XXXX limit was exhausted and asked for {$200.00} for shots to be sent to XXXX XXXX. I was then asked to send the remaining {$120.00} to XXXX XXXX, payment failed and then to XXXX XXXX. They claimed XXXX was their daughter and others were people who helped care for the dogs. XX/XX/XXXX I was told the breeder 's daughter had an accident and they needed to use a delivery service for the puppy. I was asked to pay {$380.00} ( XXXX XXXX ) for registration and assured me it would be the last payment. XX/XX/XXXX I received a message from XXXX with a courier website and confirmation number, which checked out. The courier confirmed delivery details, they then asked me for {$880.00} for travel insurance and claimed it was fully refundable upon delivery of puppy. I was told credit cards were not accepted, only XXXX. I sent {$380.00} to XXXX XXXX XXXX XXXX account, {$250.00} ( XXXX XXXX ) and {$250.00} ( XXXX XXXX ). This has put my family in a financial, emotional and mental hardship, total loss was {$2800.00}. I have filed a dispute with my bank USAA and XXXX. XXXX has denied my dispute claim. USAA has denied my dispute claims.

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 2025-01-29 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: MA

Complaint narrative:
I am writing to dispute the following negative items listed 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} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. 

As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-01-29 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:
Equifax Information Services LLC XXXX Department XXXX XXXX XXXX XXXX, XXXXA XXXX Subject : FORMAL DEMAND FOR DELETION OF ILLEGALLY REINSERTED COLLECTION ACCOUNT VIOLATIONS OF FCRA, XXXX XXXX XXXX XXXX, AND CFPB CONSENT ORDER To Whom It May Concern : I, XXXX XXXX, demand the immediate and permanent deletion of the fraudulent collection account ( details below ) from my credit file. Equifax has repeatedly reinserted this account after disputes without providing legally required notice, violating federal and Texas law. This constitutes willful noncompliance under the Fair Credit Reporting Act ( FCRA ) and the Texas Debt Collection Act ( Finance Code 392 ). 

Account Information Account Number : [ XXXX  or other identifier ] Date Opened : XX/XX/XXXX ( fraudulent, as Date Last Active is XX/XX/XXXX ) Status : Collection/Chargeoff and Late 120 Days ( conflicting labels ) Past Due : {$650.00} ( inaccurately reported for a future date : XX/XX/XXXX ) Violations FCRA XXXX ( c ) : This account was deleted on [ insert prior deletion date ] but reinserted without written notice. 

Texas Finance Code 392.304 ( a ) ( 8 ) : Reporting inaccurate information ( e.g., dates, payment status ). 

CFPB Consent OrdeXXXX ( XXXX ) : Equifaxs systemic failure to investigate disputes. 

Demands Delete the account permanently within XXXX business days. 

Send written confirmation of deletion and a revised credit report. 

Cease all unlawful reinsertions of this account. 

Failure to Comply Will Result In : CFPB Complaint : Highlighting Equifaxs violation of federal consent orders. 

Texas Attorney General Complaint : Under Texas Finance Code 392 ( deceptive debt collection ).

Lawsuit in Texas Court : Seeking statutory damages under : FCRA 616 : Up to {$3500.00} + attorney fees. 

Texas DTPA : Up to {XXXX  for deceptive practices. 

Enclosed Evidence [ Credit report excerpt showing the account ] [ Prior dispute confirmation ( if available ) ] Legal References FCRA 611 ( c ) : Reinsertion requires written notice.

Texas Finance Code 392.304 ( a ) ( 8 ) : Prohibits misrepresenting the character, extent, or amount of a debt. 

CFPB v. Equifax ( XXXX ) : Consent order mandating accurate reporting. 

This account is harming my ability to secure housing and employment in Texas. Resolve this immediately or face legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I've paid the debt and it still on my credit report as in if i owe and i dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XX/XX/2017 In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX XXXX in the hope that you will make a fair decision regarding my case. I appreciate 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Deletion of XXXX XXXX  XXXX at XXXX XXXX from TransUnion and XXXX I am writing to formally file a complaint regarding an account listed on my credit reports. Specifically, the account titled XXXX XXXX XXXXXXXX at XXXX XXXX has been successfully deleted from my XXXX credit report, but it still appears on my TransUnion and XXXX reports. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( b ) and Section 611, I am entitled to accurate and consistent information across all credit bureaus. Once an account is proven to be invalid, inaccurate, or deleted by one bureau, the reporting agencies must ensure that the information is corrected across all credit reports to prevent unfair or misleading representation of my credit history. 

I have previously disputed this account with TransUnion and XXXX and provided evidence of its deletion from XXXX. Despite my efforts, the item remains on my credit file with these two bureaus. This inconsistency violates my rights under the FCRA and imposes an undue burden on me by adversely impacting my creditworthiness. 

I am requesting that the CFPB take action to ensure that TransUnion and XXXX remove this account from my credit report promptly, as it has already been deemed unverified and removed by XXXX. 

Please contact me if additional documentation or information is needed to assist in the resolution of 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 2025-01-29 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: NC

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This experian sent their rules and regulations about their company but they did send proof about the inaccurate report

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 2025-01-29 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: OH

Complaint narrative:
I am filing a complaint against Experianfor failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Equifax '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. XXXX XXXX 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 that are mark as inaccurate : Applied 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

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 2025-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
Accounts appear on my credit report that were not authorized by me and that I do not recognize either. affecting my credit life

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MA

Complaint narrative:
I am formally disputing the late payment entries 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 These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

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 2025-01-29 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: GA

Complaint narrative:
I am filing a complaint about multiple inaccurate or unverified accounts on my credit reports. I have sent dispute letters to the credit bureaus. 
Experian via XXXX Mail # XXXX, via certified mail XXXX XXXX, via certified mail # XXXX XXXX XXXX # XXXX certified # XXXX XXXX XXXX XXXX XXXX requesting investigation and method of verification and have not received proper resolution under the Fair Credit Reporting Act ( FCRA ). The disputed accounts remain despite my requests for verification and/or removal. 

Accounts in Dispute XXXX Issue : Repeated charge-off listings without proper verification. 

XXXX XXXX XXXX : Issue : Inconsistent late-payment reporting and unclear balance history. 

XXXX XXXX XXXX : Issue : No valid proof of debt or adherence to Fair Debt Collection Practices Act requirements. 

XXXX XXXX XXXXXXXX  : Issue : Rapid charge-off reporting with no clear documentation to support the delinquency timeline. 

Thank you for your prompt attention.

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 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Mohela failed to notify me that my payments for the past 8 months will not be counted toward my PSLF and did not pause my payments while we're in a national forbearance. When I called to ask questions today ( XX/XX/year> ), I was told my wait time would be XXXX XXXX with no option for a phone call back when it was my turn. I've now been on hold for XXXX hours and XXXX minutes. They are now closed for the day. This is completely unacceptable. I called at XXXX AM and it is now XXXX PM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I requested that the credit bureaus remove a bankruptcy from my report in year 2020. In response, they stated that the information may have been verified by various reporting agencies, including XXXX, XXXX, and XXXX. However, each of these agencies provided vague responses, claiming the information was verified by another agency without specifying which one. They used unclear language such as may have been verified rather than providing a definitive source of verification. Ultimately, they refused to investigate further. I sent a copy of a letter received from the court they listed on my credit report and the letter stated that " the courts does not report public records to any reporting agencies. I have provided this letter previously to this CFPB. There are also collection accounts that have not been verified and shows on my report. I would also like to state that my personal information including social security number, personal home address and telephone number has been compromised due this agency. I have been notified that my information is on the dark web.

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 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
i bought a car and wire the money to chase bank account, the company was doing scams there was no car, before i get my money chase closed the account due to fraud. 
i field the fraud case with fraud department. 
my case no is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Pay Pal stole my money and permanently blocked my account. The account was in good standing and had been for almost 15 years. The reason given was increased activity and non consistent activity. The true reason is likely discrimination based on political affiliation. Pay Pal asked for an explanation, which is we have for four years been outsourcing the bulk of sales at a cost of around XXXX XXXX, now in order to save that XXXX XXXX we are handling sales in house. They have zero complaints, but stole our money based on the excuse that sales increased. It is our companies goal to increase sales, it is the goal of virtually every company. Does the business license Pay Pal has give them the right to steal? If so then how do I apply for such a license? If not, someone at Pay Pal is guilty of theft. Please help with this. Thank you

Company response to consumer: Closed with non-monetary relief