vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Negative Accounts 1. XXXX XXXX Account # : XXXX Type : XXXX XXXX  ( Installment ) Balance : {$1900.00} Past Due Amount : {$1800.00} Payment Status : 120 days past due Recent Late Payments : 90, 60, and 30 days late in recent months 2. XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Type : Debt Buyer ( Collection Account ) Opened : XX/XX/XXXX Derogatory Status : Collection account in default 3. XXXX XXXX Account # : XXXX Type : XXXX XXXX ( Installment ) Status : Closed, was past due 30 days before being paid 4. XXXX XXXX  Account # : XXXX Type : Installment Loan Balance : {$12000.00} Status : Pays account as agreed but reported as derogatory HARD INQUIRIES : XXXX  ( XXXX  Other than Personal ) XX/XX/XXXX XXXX  ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX & XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Used ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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  ( All Banks ) XX/XX/XXXX Thank you for your assistance 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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Data breach happened, per 15 USC 1681c2 please block and delete this item within 4 business days. Please delete the following Accounts : 
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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Cease and Desist Notice Regarding Closed Account and Reporting Issues To Whom It May Concern, I am writing to formally request that XXXX XXXX immediately cease and desist from any further reporting of inaccurate, misleading, or disputed information related to my closed credit account referenced in my Experian credit report. The account was closed at the credit grantor 's request, and it was previously in dispute, as noted in the report. Despite this, the account remains reported in a manner that is affecting my credit history and score.

Pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I request that you take the following actions within 30 days of receipt of this letter : 1. Cease reporting any inaccurate or disputed information regarding the closed account to Experian, XXXX, XXXX, or any other credit reporting agencies. 
2. Provide written confirmation that the requested corrections have been made or that the inaccurate information has been removed.

3. Refrain from any further collection activities or adverse actions related to this account.

Failure to comply with this request will result in my pursuit of all legal remedies available, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Additionally, I reserve the right to pursue legal action for damages caused by your continued reporting of disputed and inaccurate information. 
Please confirm in writing that you have received and complied with this request. You may send your response to the address listed above. 
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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical Law,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts 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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX I I received paperwork claiming that I had a balance of a {$1000.00} from XXXX. XXXX  from Citibank. I waited. 
On hold for an hour for the representative to say that that it was an error sending out those forms. But I still think someone should know about it. She told me to disregard it but couldn't give me a confirmation number or any paperwork confirming the dismissal of this paperwork.

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 2025-03-01 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report 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

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 2025-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
NewRez has applied over XXXX annually in insurance for condo insurance. 
I don't have a condo, I have a coop. It's insured through the coop. 
They're the third ones to buy the mortgage, and the only ones to not understand what the financial instrument is ( i.e. " What's a coop? '' on one of the rare occasions I could get a human on the line. ) I sent them proof of insurance months ago. No one will acknowledge it, despite phone calls emails etc.

This issue has been going on for six months. As of XX/XX/year> I am now in arrears as I haven't paid for the insurance they are demanding ( which is extortionary, and about 800 % market rates ) when I already have insurance. 

I can't even pay off the loan and be done with them, because they are demanding the entire years insurance be paid off in advance. Not the one day it has been incorrectly assessed, no, the entire year.

Nobody will respond. I mean, at one point I got a letter saying it was resolved, but then they immediately came back to me looking for the insurance again so either that was false, or they are not communicating internally. 

They're also not communicating externally so I guess that's consistent.

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 2025-03-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX ( Equifax ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Equifax Legal XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion LLC ATTN : Office of General Counsel XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Incorrect data on Consumer Credit Reports Dear Equifax, Experian and TransUnion, I am disputing the reporting of the following collection accounts due to incorrect data on my consumer credit reports.

I am right into inform the three credit bureaus Equifax, Experian and TransUnion for inaccurate credit reporting ( 15 USC 1681 ) / ( 15 USC 1611 ) in accordance with The Fair Credit Reporting Act, as the furniture of the credit reported information in question and the maintenance of accuracy.

The following accounts listed below are reporting a balance of debt when the debt was charged off ( 1099C form Code 7, XXXX XXXX XXXX ), as proof or evidence. Therefore the debt was canceled and should not reflect any balance or selling of debt on my consumer credit file.

The current report indicate inaccurate reporting of three credit bureaus on behalf of ( FCRA ), ( 15 USC 1681 ) and ( 15 USC 1611 ). Therefore isn't violation of the Fair Credit Reporting act the furniture to continue reporting inaccurate information and conducting inadequate investigations that failed to address my consumer disputes properly.

By reinserting previous disputed and inaccurate information under the ( FCRA ), ( 15 USC 1681 ) and ( 15USC 1611 ). That the three credit bureaus have failed to protect my rights and the correct reporting of data on my consumer credit report.

Listed below please review the inaccurate information on my consumer credit report : XXXX XXXX XXXX XXXX Closed Acct # XXXX Original Debtor XXXX XXXX XXXX Acct XXXX XXXX, XX/XX/XXXX charge-off amount {$340.00} Original Debtor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX charge-off amount {$7600.00} XXXX XXXX XXXX / Original Debtor XXXX XXXX XXXX Acct # XXXX amount {$920.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX written off Acct # XXXX XX/XX/XXXX account closed in XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX charge-off /written off amount {$660.00} amount {$1100.00} Acct # XXXX Original Debtor XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX amount {$350.00} Original Debtor XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX amount 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am so exhausted I've been trying to correct things with Experian, TransUnion and Equifax but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within 30 days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts. please help me as these aren't my accounts.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
What is debt re-aging?

As mentioned above, debt that has gone into collections can only stay on your credit reports for seven years plus 180 days after DOFD. ( Unfortunately for us all, however, this does not mean that you no longer have to pay the debt after that time period passes. ) Debt re-aging, however, means that the DOFD has been moved on your reports to show that a bill first went unpaid later than it actually didand thus it will stay on your credit report longer. For example, if you didnt pay a bill that was due in XXXXXXXX XXXX XXXXXXXX but your credit report shows that it was due in XXXXXXXX XXXX XXXXXXXX, that means your debt has been re-aged.

Debt re-aging is a complicated process to understand, largely because it can be harmful and illegal in some circumstances but helpful to consumers in others.

They are listing me as charged off multiple times. They are listing me as being charged off every month.The credit bureaus are conspiratory with this crime. I'm preparing to sue.

This is illegal and harmful to me and my family. Every month reporting me as being consistently charged off is inaccurate and illegal. I'm going to have to file something in my local court. 
XXXX has 4 accounts that are reporting inaccurately and they are reporting me as being charged off monthly XXXX {$11000.00} is being charged off every month which is illegal and inaccurate XXXX bank is inaccurate with the date of my last payment

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), Metro 2 compliance standards, and Fair Credit Reporting Act ( FCRA ) for the following disputed accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX - 1st Account ) XXXX XXXX ( Account # XXXX - 2nd Account ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) I dispute the accuracy and validity of these accounts and request full verification before any further collection or reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: VA

Complaint narrative:
I set up auto payments with tenaglia & hunt for {$160.00} on the XXXX of every month to pay my XXXX XXXX credit card debt. 
XXXX, XXXX & XXXX ( {$480.00} ) they took the payment twice each month verified by my bank. They need to refund or credit my account those extra payments. They overdraft my account twice which lead to fees that need to be refunded as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My information was exposed in a data breach.

15USC 1681

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