vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 efffective measures to prevent and address fraud on their platform which I was a victim of, 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss to me personally and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Subject : Dispute of Account Ownership - Request for Proof of Ownership Dear [ Portfolio Recovery/Experian ], I hope this message finds you well. I am writing to formally express my disagreement with the results of my recent dispute regarding the account referenced below : Account XXXX : XXXX Disputed on : XX/XX/year> After reviewing the information provided, I maintain that this account does not belong to me. I request that you provide sufficient documentation proving that I am the rightful owner of this account. If you are unable to provide clear evidence such as a signed agreement or other verifiable proof linking me to the account, I respectfully request that this account be removed from my record. 
I appreciate your prompt attention to this matter and expect a thorough review. Please let me know if any additional information or action is required on my part to resolve this issue. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against Affirm inc regarding inaccurate credit reporting practices that violate 15 U.S.C. 1666b ( Truth in Lending Act ) and 15 U.S.C. 1681e ( b ) ( Fair Credit Reporting Act ) .Details of the Issue : 1. A transaction or payment-related entry has been improperly reported on my credit file.

2. 15 U.S.C. 1666b requires that payments be properly credited on the date received and not result in an unjustified late payment record.

3. 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in credit reports.

4. The reported transaction is not allowed under these laws and is causing harm to my credit profile.I formally request the CFPB to : 1. Investigate the improper transaction reporting.

2. Direct [ Creditors Name ] and [ Credit Bureau Names ] to remove the incorrect entry.

3. Ensure compliance with 15 U.S.C. 1666b and 15 U.S.C. 1681e ( b ) to prevent further harm. 



I appreciate your immediate attention to this matter, as this error is negatively impacting my credit standing. Please keep me updated on any actions taken.

Consumor reporting g agencies are not allowed to report transaction history. ITS ILLEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: EQUIFAX, INC.
State: WI

Complaint narrative:
they violated my rights as a consumer under XXXX and I need these items blocked and deleted off my credit report Account Self/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
they violated my rights as a consumer under XXXX and I need these items blocked and deleted off my credit report Account Self/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/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 2025-03-17 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: PA

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXXXX/XX/year>

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 2025-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-03-17 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On or around XX/XX/XXXX, I discovered that multiple fraudulent accounts were reported on my credit file without my authorization. These accounts have negatively impacted my credit standing, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute : XXXX. XXXX ( Line of Credit ) Date Opened : XX/XX/XXXX Balance : {$510.00} Status : Charged off as bad debt Actions Taken : This account was not opened by me and appears to be a result of identity theft. The credit grantor has since canceled the account and reported a charge-off. 

XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$280.00} Status : Collection/Chargeoff Actions Taken : This account is not mine, and I have never done business with this creditor. Despite disputing the account, it remains on my credit file. 

Actions Taken by Me : XXXX. Filed an Identity Theft Affidavit I have submitted an official identity theft report to the Federal Trade Commission ( FTC ). 
XXXX. Filed a Police Report XXXX police report is being filed to document the fraudulent activity. 
XXXX. Disputed with Credit Bureaus I have formally disputed these accounts with XXXX, XXXX, and XXXX and requested their removal. 
XXXX. Requested Verification Under FCRA Under 15 U.S. Code 1681i, I have asked for documentation proving that I personally opened these accounts.

5. Requested Account Blocking Under FCRA Under 15 U.S. Code 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit file.

Requested Resolution : Immediate removal of the fraudulent accounts from my credit report. 
Written confirmation that the accounts have been deleted. 
No further collection attempts related to these fraudulent debts. 
Copies of any applications, signatures, or documentation used to open these accounts.

I expect the credit bureaus and the furnishers of this inaccurate information to comply with FCRA regulations and take corrective action within the legally mandated 30-day period. Failure to do so will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Att transferred an account from their mobility to XXXX but failed to properly close the original account and also credit back to my account a XXXX  equipment that was taken by an XXXX  technician. Att stated that I need to dispute through the collection agency in order for XXXX to credit and resolve the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat 
a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along
with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally will no longer let me pay with a bank account. They make it difficult to pay them which will show negatively on my credit report. I had a payment rejected by my bank for some reason and now Ally deleted my bank account as payment option and basically banned my bank account. I no longer have any way to pay them. I requested to speak with a supervisor. Supervisor wouldn't even speak to me. They were completely unhelpful and rude.

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 2025-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
Timeline of Events for Short Sale Appraisal Dispute with the Lender XX/XX/XXXX An appraisal was conducted by the lenders appraiser to determine the value of the property. 

The report concluded that only {$7500.00} in repairs were necessary, including painting and replacing carpets in XXXX bedrooms. Please see the pictures attached that reflect actual property condition vs what's listed on the report attached XX/XX/XXXX The property was listed on the market at the lender-approved price of {$360000.00}. 
The listing remained active for 58 days ( approximately two months ). 

XX/XX/XXXX XX/XX/XXXX Consistent feedback from potential buyers and real estate professionals indicated that the listing price was too high given the property 's distressed condition. 

Issues included deteriorating exterior siding, a destroyed and covered pool, non-functional water heater and AC, extensive flooring replacement needs, and patched-up holes in the walls. 

The feedback suggested that the homes condition was not adequately reflected in the lenders appraisal. 

XX/XX/XXXX The property was removed from the market in an effort to have it revalued based on its actual condition. 

XX/XX/XXXX XX/XX/XXXX Multiple attempts were made to contact the lender to obtain a copy of the appraisal report. 
The lender failed to respond and refused to provide the requested information. 

XX/XX/XXXX The issue was escalated to HUD. 

HUD promptly assisted by providing a copy of the lenders appraisal report. 

HUD also postponed the first scheduled foreclosure date, originally set for XXXX. 

XX/XX/XXXX XX/XX/XXXX Upon reviewing the appraisal, it was discovered that the appraiser used a fair market value approach rather than a distressed property value approach. 

The appraisal only factored in minimal cosmetic repairs ( painting and carpet replacement ) and failed to consider major structural and mechanical deficiencies. 

XX/XX/XXXX A general contractor assessed the property and provided a comprehensive estimate of necessary repairs, totaling {$94000.00}. 

Next Steps & Resolution Request Request a second appraisal that reflects the true condition of the property and accounts for all necessary repairs. 

Adjust the listing price to align with a distressed property valuation. 

Allow the short sale to proceed at a price that accurately reflects market realities and the repair costs required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is
considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I originally requested validation of debt, including all supporting documentation required under Federal Law, in a letter sent to XXXX XXXX, on XX/XX/year>, via certified mail return receipt. I did not receive all of the items requested and required from this letter as of today XX/XX/year>. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1692 ( g ), states all the items that MUST be validated in completeness, to verify this alleged debt in a 30 day time frame, which is required by law. It has been more than 140 days of noncompliance since my request, while still reporting to my credit file via the three major credit reporting agencies. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 US.C. 1692g ( b ) & the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ), continuing to report alleged debt without proper validation is a violation. Providing ONLY an alleged copy of original creditors loan agreement without any other supporting details attached DOES NOT qualify as proper validation of debt.

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 2025-03-17 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I never had anyone to talk to about any disputes Someone use my information before took money out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-17 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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