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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Adresss : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Return Address : same as address XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] Dear XXXX, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number - XXXX Source of dispute information : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Mi XXXX They are stating I am responsible for a credit account from syncing bank and is now in collections. 
Dates associated with item being disputed : XX/XX/XXXX and XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. My wallet was stolen with all my information, my social security cards as well as my childrens and credit cards, I have reached out to XXXX more than once and they state the information is accurate when it is not. 
Dispute XXXX - account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX They are stating I am responsible for a credit account with a company I know nothing about. I have tried to dispute this more than once but they arent fully investigating anything. It is affecting me a great deal. 

Thank you for your assistance. 
Sincerely, 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: TrueAccord Corp.
State: MS

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Adresss : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Return Address : same as address XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] Dear XXXX, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 Account Number - XXXX Source of dispute information : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mi XXXX They are stating I am responsible for a credit account from syncing bank and is now in collections. 
Dates associated with item being disputed : XX/XX/XXXX and XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. My wallet was stolen with all my information, my social security cards as well as my childrens and credit cards, I have reached out to XXXX more than once and they state the information is accurate when it is not. 
Dispute XXXX - account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX are stating I am responsible for a credit account with a company I know nothing about. I have tried to dispute this more than once but they arent fully investigating anything. It is affecting me a great deal. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligent Non-Compliance Under 15 U.S.C. 1681o To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to bring to your attention your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which holds parties liable for negligent non-compliance. 

Upon reviewing my credit report, I discovered the following inaccurate or misleading information : All accounts, I previously disputed these inaccuracies but have yet to receive a proper response or corrective action. Under the FCRA, credit reporting agencies and furnishers of information are required to reasonably investigate disputed information and correct any inaccuracies. Your failure to do so constitutes negligence and has caused me financial harm, including but not limited to : Denial of credit/loan/housing/employment Increased interest rates Emotional distress and damage to my reputation Pursuant to 15 U.S.C. 1681o, you may be held civilly liable for these negligent violations, including actual damages sustained as a result of your non-compliance, attorneys fees, and court costs.

To resolve this matter, I demand that you : Immediately investigate and correct the disputed information in compliance with the FCRA. 
Provide a written explanation of the investigation results within the required timeframe. 
Cease reporting the disputed information until verification is properly conducted. 
If you fail to take corrective action within the legally required timeframe, I am prepared to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action for damages. 

Please consider this letter a final attempt to resolve this matter amicably. I expect a response within 30 days of receipt of this letter. 

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
Identity theft XXXX XXXX XX/XX/XXXX ( XXXX ) The CFPB Complaint has been filed to request. 
Pursuant to FCRA 605B ( 15 U.S.C. & 1681c-2 ) That you the TransUnion credit reporting agency.Block information appearing on my consumer credit report That is the result of identity theft and fraud.

Within 4 business days of you receiving this complaint This fraudulent inaccurate and false information consist of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX. This account have resulted in fraudulent inquiry and fraudulent collection appearing on my consumer fico report. I have attached a copy of f t c identity theft criminal complaint # XXXX As. 
Proof from the US federal trade commission that all of the aforementioned Consumer credit account collection are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 





Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting inaccurate information on my account which violates the Fair Credit Reporting Act ( FCRA ). The accounts that are reporting inaccurate information are listed below : XXXX  XXXX : Account Number XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Experian to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this account. 

XXXX  XXXX : Account Number XXXX : This account was reported as a charge-off, and it is negatively affecting my score. The reporting of this account is incorrect, as I still see a past-due balance after it was charged off. There should not be a past-due balance if the account is sold off. Also, why is it being reported as a charge-off every month? A charge-off is a one-time event, and it is improper for Experian to keep reporting it for consecutive months as this artificially extends the negative impact on my credit report. That is a violation. I would like immediate removal of this 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
A significant amount of money suddenly disappeared. When I inquired, I was rebuffed with no direct contact with a person. A two year wait and fight ensued when Cash App ultimately repaid the funds ON THIS INCIDENT ONLY. Other infractions took place. No interest on the money that was repaid despite two years wait. 

Other infractions include other smaller amounts of disappearing money and transactions declination for inappropriate reasons or outright contrary to its own 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 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.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thanks.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
Since early XXXX I requested my account with M & T Bank XXXX XXXX XXXX XXXX XXXX NY XXXX be closed, and XXXX be sent to me by check. At their insistence on XX/XX/year> I sent a NOTARIZED letter to XXXX XXXX via email making the request. 
As of XX/XX/year> I have still not received a check. I asked for the check to be tracked. 
I was told that it can not be tracked, because M & T employee, violated company policy and did not make a record of the certified mail tracking number, and did not make a copy of the filled out certified form. I believeTHAT THE CHECK WAS NEVER SENT - THIS IS WHY THEY CAN NOT PROVIDE A TRACKING NUMBER. 
i REQUESTED A REPLACEMENT CHECK, AND THEY EXPLAINED THAT IT WAS A BIG DEAL TO REPLACE A BANK CHECK - I don't see how this is my problem- it is their responsibility to give me my money. 
On Friday XX/XX/year> I was told that if I signed a simple form that my check would go out the fastest possible way ON FRIDAY XX/XX/year>XXXX  -and I would have it on Saturday. 
Later Friday I was informed by XXXX XXXX XXXX - General Manager phone : XXXX that due to the fact that M & T employee XXXX XXXX Consumer Risk expert delayed the generation of the form that even if I signed it that a check would not go out Friday - and would be delayed at least three days until Monday the XXXX of XXXX. 
They also said that I was informed incorrectly -= and that in addition to the form XXXX XXXX required me to do a XXXX before releasing the replacement check. Sound was required, and I do not have sound on my computer, so I had to go and access a computer with sound. 
When I received the " simple '' form - It required me to agree to reimburse M & T {$140000.00} if the original check was cashed by someone!! Also to reimburse M & T for any attorney fees, filing fees, or expenses if the original check was cashed. It also asked for me to post a bond! It asked me to agree to XXXX XXXX XXXX requirements- but didn't tell me what they were! I could not sign such a form without consulting an attorney - and I do not see why I should be put to this expense because of M & T Banks SEVERAL mistakes.

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 — Reporting company used your report improperly
Company: TrueAccord Corp.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and Trueaccord Corporation. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian did not properly investigate my request to remove XXXX XXXX XXXX XXXX off my report. XXXX XXXX XXXX received multiple debt validation requests over the last XXXX years by certified mail. They are not providing the requested documentation. I have also requested that the account be removed Multiple times from Experian and XXXXXXXX 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service & unfair practices, in which they violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, hence leaving my account not only vulnerable, but unprotected. Furthermore, their dispute resolution process is not only unfair, but deceptive they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. Due to these actions causing significant inconvenience & financial loss, 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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I never made this electronic purchase using my phone, I reported it to Apple Credit Card Goldman Sachs Bank USA, I spoke with the seller, the XXXX XXXX {$150.00}, and they told me that they couldn't give me information, but they told me that they bought the tickets but that no one had them. I used it, I told them that I had not bought anything with them, and that it was fraud, I asked them to show a signature of mine or a document that I had accepted or done this and they told me that I did not have it, the bank does not help me repay this and they told me they make the charge. By law, the bank must show that I accept or sign that I purchase this document. 

I reported it the next day that I saw this transaction in my account {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
A collection ding showed up on my credit report for an account I have no knowledge of. I have not received any communication from this company regarding this debt.

Company response to consumer: Closed with explanation