vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
The company is lying about the date the account opened. The collection agency took this account and is the XXXX - XXXX  collection company since XXXX to buy the account. 
I disputed this on XXXX  and they again lied that it is a new collection opened in XXXX, which is an out right lie and fraudulent reporting and they know it. 

I want the account information corrected immediately, this is knowingly, intentionally and willingly reporting FALSE data as a tactic to collect. This is FRAUD and it must be addressed. 

Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX  Consumer Relations Account Number XXXX XXXX XXXX Name XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$1100.00} Original Amount {$1100.00} Original Creditor XXXX XXXX  ( Retail )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc
State: IA

Complaint narrative:
Synergetic Communications inc continues to report to my credit reports that I owe a debt over {$4000.00} of which I filed XXXX XXXX bankruptcy and it was XXXX in XX/XX/year>. XXXX keeps sending me threatening calls and communication and if I call them I get the same person " perhaps '' XXXX XXXX who will not be quiet long enough for me to even attempt to speak. I have started recording the conversations as an attempt to inform them of my intentions to litigate if cease and desist is not conducted. I have reported matter to Iowa, Minnesota and Texas Attorney General offices as a result of their illegal tactics. 
I suffer from a XXXX XXXX and am having XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX do not need the illegal reports on my credit bureaus let alone their illegal collection calls. They fail to state they are attempting to collect a debt, they fail to give a proper local mailing address, fail to escalate to a ligitimate intelligent human to listen with an educated response. I have been made aware of my rights and have the right to sue the agency, debt collector and or original client for seeking collection against me after dispute let alone discharged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NY

Complaint narrative:
The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail. 
THD/CBNA : The information on this account has not been certified to meet any reporting standards, and is therefore unreliable. I demand that any incorrect, incomplete, or unsupported material be deleted.

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 2025-03-23 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: NY

Complaint narrative:
The Fair Credit Reporting Act gives me the right to contest any information on my credit report that I believe is inaccurate. The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been one person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable! The government is watching you like a hawk. They want to make sure that all your claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements! Im requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries. I will be monitoring the situation and I expect to hear from you within 30 days. I expect you to confirm and verify the items are indeed reporting correctly or remove them permanently from my report. I want you to send me a hard copy of your actions and my updated credit report. The evidence of your actions and my updated credit report should be sent via mail. 
THD/CBNA : The information on this account has not been certified to meet any reporting standards, and is therefore unreliable. I demand that any incorrect, incomplete, or unsupported material be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
I made an online purchase. When I did not receive my order I learned the website was indeed fake and had been shut down since. I disputed with cash app and they said that I received my order. Which I never received anything but my money was taken. This has happened twice on other occasions as well as subscriptions I canceled but were still being charged. Cash app will not dispute anything. They dont investigate or return anyones money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a collection account by Spring Oaks Capital LLC on my credit reports. 

Account Details : Creditor : Spring Oaks Capital LLC Account Number : XXXX Balance : {$980.00} Date Opened : XX/XX/year> Reporting Status : Placed for collection / Disputed by consumer Credit Bureaus : XXXX, XXXX, XXXX Despite my prior attempts to dispute and validate this account, the negative item remains on my credit report with no verification or proof of liability. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request accurate, verifiable, and complete information. Spring Oaks Capital has failed to provide proper validation of the debt, yet continues to report this collection, which is affecting my credit score and financial well-being.

I am requesting the CFPB to investigate this matter and hold Spring Oaks Capital accountable for their failure to comply with the FCRA and FDCPA. I am also requesting the immediate deletion of this account from all three major credit bureaus as a fair resolution since the information can not be verified and remains disputed. 

Attached are screenshots from XXXX XXXX and XXXX that show the account details and disputed remarks. 

Thank you for your time and assistance with this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XXXX XX/XX/year> I was the victim of a scam perpetrated by what I thought was someone from the XXXX help desk as I had reached out to XXXX ( via what I thought was a valid phone number ) to cancel an order. 

The individual who answered the number convinced me that my XXXX account had been hacked and money was scheduled to be sent via XXXX XXXX to XXXX. The total amount was said to be {$10000.00}. The individual convinced me to download an app that allowed them to see my phone thereby they could secure my accounts by moving money and hiding it from the hackers. XXXX of my accounts was with Coinbase which had a minimal amount invested in cryptocurrency. 

The scammers had me buy multiple transactions of XXXX in amounts of {$3000.00}. The first went through while the XXXX did not as my financial institution, XXXX XXXX XXXX XXXX XXXX, declined the transaction. 

Upon realizing I was being scammed I notified my financial institutions to include Coinbase. However, even though XXXX XXXX declined the transaction, Coinbase  went ahead and covered the transaction with their own funds. They are now saying I owe {$3000.00}, which I will not be paying as the transaction was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: MD

Complaint narrative:
On XX/XX/year>, Equifax responded to my CFPB Complaint regarding inaccurate reporting of charge-offs and past-due balances on my credit file. However, Equifax has failed to provide proof of verification, comply with XXXX XXXX reporting standards, and correct errors in my report. 

Equifaxs response states that the furnishers confirmed the accuracy of the reported accounts, but it did not provide documentation to support its claim. This violates XXXX XXXX. XXXX ( a ) ( XXXX ), which requires a detailed description of the reinvestigation process when requested. 

Equifaxs actions continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Guidelines, and I am escalating my complaint for further investigation. 

FCRA and XXXX XXXX Violations in Equifaxs Response : XXXX. Failure to Provide Method of Verification ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ) Equifax failed to provide documentation from the furnishers proving the disputed accounts were verified with original creditor records. 

Simply stating that a furnisher verified the information does not satisfy FCRA requirements if the furnisher did not provide signed agreements, account statements, or original documents. 

I requested the full reinvestigation procedures used, and Equifax has not complied, violating the FCRA. 

XXXX. Incorrect Charge-Off Reporting with a Past-Due Balance ( XXXX XXXX & FCRA Violation XXXX XXXX. XXXX ( b ) ) The following accounts were reported as charged-off but continue to reflect a past-due balance, which violates XXXX XXXX compliance standards XXXX XXXX Bank XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Standards clearly state that once an account is charged-off, the past-due balance must be {$0.00}. 

FCRA Violation : Reporting both a charge-off and a past-due balance is misleading and inaccurate, violating the requirement for maximum possible accuracy under XXXX XXXX. XXXX ( b ). 

XXXX. Failure to Conduct a Proper Reinvestigation ( FCRA Violation XXXX XXXX. XXXX ( a ) ( XXXX ) ) Equifax merely forwarded my dispute to the furnisher and accepted their response without conducting an independent review. 

The CFPB has previously taken enforcement actions against credit bureaus for failing to properly reinvestigate consumer disputes, and this response shows Equifaxs ongoing failure to comply with federal law. 

XXXX. Failure to Remove Inaccurate Information ( XXXX XXXX. XXXX ( b ) ) Equifax is continuing to report accounts that should have been deleted due to lack of verification. 

Under FCRA XXXX ( b ), if the furnisher can not verify the account with original records, the information must be deleted. 

Failure to delete unverified data is a direct violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is inaccurate information on my credit report some information is not mine such as names addresses etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I apply for a Home Equity Loan with AmeriSave Mortgage Corporation ( # XXXX ). XXXX XXXX XXXX the XXXX XXXXXXXX ( # XXXX ) show me different type of scenarios playing with numbers but always with lack of transparency and false promises. We were close to having an agreement on a Loan Estimate. She stated that in order to continue I would have to Lock in an interest Rate with a {$500.00} Fee and after closing it, it would be completely refundable. The closing never occurred becaused I caught her charging me Points to lower the interest rate. She denied everything by lying to me. After reviewing the Loan Estimate it showed a clear evidence of lack of honesty and transperency from the lender to the borrower. After giving her my Credit Card information in acknowledgment of Good Faith on my side of the Agreement she just went ahead and charge a {$500.00} Fee without my signature and consent. The Good Part in my side is that I never sign any Agreement or Paperwork. I later on, call her in a Good way to see if she can waive the {$500.00} Fee because at the end we never close the deal. Conclusion, I am taking action on desputing the excessive {$500.00} Fee by requesting your support. I want them to give me a complete refund on the {$500.00} Fee which is hard to make at work. Thank You!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
HOME BILLS GOT OUT OF CONTROL TOO MANY CREDIT CARDS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
On XX/XX/ 2025, I wrote a letter of formal complaint that Equifax and Experian were reporting inaccurate and incomplete credit information. I requested a validation of debt be provided showing proof of the alleged items, specifically the contract, note or other instrument bearing my signature. It has been well over 30 days, and I have not received any information.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX XXXX XXXX. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-23 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: MS

Complaint narrative:
YOUR COMPANY IS STILL REPORTING UNVERIFIED AND INACCURATE ACCOUNTS ON MY CREDIT REPORT. THE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE DATES OF LAST ACTIVITY AND THE PAYMENT HISTORY AND OTHER INACCURACIES BETWEEN EQUIFAX, TRANSUNION, EXPERIAN. DELETE THESE ACCOUNTS RIGHT NOW. ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX  ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -THERE ARE LATE PAYMENTS ON THESE ACCOUNTS. THEY NEED TO BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. THESE ACCOUNTS ARE SHOWING INACCURATE INFORMATION IN THE PAYMNEY HISTORY, THE DATE OF LAST ACTIVITY AND OTHER INACCURACIES. ( 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I demand that these INACCURATE late payments be removed from my EXPERIAN MY FICO CREDIT PROFILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

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 2025-03-23 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: SC

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this negative item. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA.

Company response to consumer: Closed with explanation