vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Subject : Request for Debt Validation and Chain of Assignments Dear Rent Recovery Solutions, I am writing to formally request a validation of the debt associated with my account number under the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this debt, and I seek to verify its legitimacy and obtain detailed information regarding the chain of assignments related to this account. 
Specifically, I request the following information : 1. The original creditor 's name and contact information.

2. A complete chain of assignment documentation, showing all transfers of the debt from the original creditor to your organization.

3. The amount of the debt, including a breakdown of any fees or interest that has been added.

4. Copies of any agreements or contracts that pertain to this debt.

5. Evidence of your authorization to collect this debt on behalf of the original creditor. 

Please provide this information in writing within 30 days of receipt of this letter. Until this information is provided, I request that all collection activities cease, as is my right under the FDCPA. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
I submitted multiple disputes and identity theft documentation to TransUnion regarding inaccurate and unverifiable accounts appearing on my consumer report. Despite my efforts, including filing multiple complaints with the CFPB ( Case # XXXX ), ( Case # XXXX ), and Case ( # XXXX ), these issues remain unresolved. -- - The accounts in question include : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. 

-- These accounts were either included without my written consent or are related to identity theft. Despite submitting proper documentation, TransUnion has failed to remove or verify these accounts. -- Actions I took : - Submitted formal disputes to TransUnion. 
- Provided identity theft documentation as required under 15 U.S. Code 1681c-2. 
- Filed multiple CFPB complaints. 
- Sent a formal demand letter detailing the violations and requested arbitration. 

Actions the company took : - TransUnion failed to block or remove the disputed accounts, despite the documentation I provided for identity theft. 
- The company continues to report adverse information on my consumer file, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Harm caused : - The continued presence of these inaccurate accounts has harmed my creditworthiness, causing financial loss, emotional distress, and lost financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding a dispute I initiated with Experian concerning the payment history reported for my XXXX XXXX auto loan ( account # XXXX ). I believe Experian has violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically related to their handling of my dispute and subsequent reporting of inaccurate information. 

1. Background and Dispute Process On [ Insert Date ], I noticed that the payment history for my XXXX XXXX auto loan was inaccurately reported on my Experian credit report. The information in question was related to [ describe the inaccurate information, e.g., late payments, incorrect dates, or missed payments ]. 

I initiated a formal dispute with Experian on [ Insert Date of Dispute ], requesting that they investigate and correct the inaccurate information. After the dispute was processed, Experian initially updated my credit report and corrected the inaccuracies. 

However, within three to seven days of the correction, Experian reverted my credit report back to the inaccurate payment history. This reversal appears to be in direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and integrity of the information they report. 

2. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies like Experian are required to : Ensure accuracy and completeness of reported information ( Section 1681e ( b ) ) : Credit reporting agencies must follow reasonable procedures to ensure that the information reported is accurate.

Investigate disputes within a reasonable time frame ( Section 1681i ) : Upon receiving a dispute, credit reporting agencies are required to investigate the issue and correct any inaccuracies.

Promptly update or delete inaccurate information ( Section 1681i ( a ) ( 5 ) ) : Once an error is identified, the information must be corrected or deleted within a reasonable period.

Experians actions of initially correcting the information and then reverting it back to the inaccurate version within such a short period of time suggest that they have not followed reasonable procedures to ensure the accuracy of my credit report. This failure to maintain accurate information or promptly address my dispute constitutes a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
I am writing to formally address the serious misconduct by Fairway Independent Mortgage Corporation during the processing and origination of my FHA loan. Specifically, your loan officer failed to include critical documents and engaged in unethical practices that have caused significant harm to me. 

On XX/XX/year>, your loan officer emailed and texted me, instructing me to sign a HUD Addendum that should have been presented at closing. The improper handling of this document raises serious questions about its authenticity and compliance with federal requirements. Additionally, this pattern of neglect is directly tied to the loan officers failure to include my repair amendments, which were critical to the origination and terms of my loan. 

The omission of the repair amendments, like the mishandling of the HUD Addendum, demonstrates a disturbing lack of due diligence and transparency. These were key documents outlining agreed-upon repairs that impacted the value and safety of the property. By leaving out the amendments, your company compromised the integrity of the loan process and failed to act in my best interest. 

Despite my attempts to resolve this through the Consumer Financial Protection Bureau ( CFPB ), your company has failed to provide a meaningful or truthful response. Instead, I have been met with generic statements claiming XXXX cares about its customersclaims that are clearly not supported by your actions. I will not accept any response stating that this matter has already been addressed because it has not. Ignoring evidence and providing dismissive responses do not equate to resolution. 

I demand the following actions from Fairway Independent Mortgage Corporation : A thorough investigation into the forgery of the HUD Addendum document, including a review of all communications from the loan officer on XX/XX/year>. 

A detailed explanation of why the repair amendments were omitted from the loan documents, despite their critical importance to the terms and conditions of my FHA loan. 
Clear accountability measures and steps to prevent these violations from happening to other customers. 

Your company 's mishandling of these documents not only breaches trust but also exposes systemic issues that must be addressed immediately. If you fail to provide a substantive response and resolution within 14 days, I will escalate this matter through legal channels and additional regulatory bodies. 

I expect a comprehensive and transparent reply, addressing each of the issues raised, and I will not accept dismissive or generic responses that fail to engage with the facts of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have submitted several letters ( some certified ) requested an update of personal information and disputed several inaccuraties. I know that some information was updated. My phone number was updated so I know the letter was received because I just changed my phone nemeber when I moved to XXXX XXXX. Before the move I had a phone number for 20 years. Some of the addres are inaccurate and some of the addresses are not mine. I have attached letters and certified receipts as evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
due to the inaccurate information on my credit report that XXXX XXXX and Experian is reporting I'm homeless and I am unable to get funding for school and business and I am requesting reimbursement I am a XXXX XXXX XXXX CEO of total XXXX XXXX and I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am missing out on over XXXX in XXXX due to the inaccurate on my report and I am how dispute several times I have requested my check from the lawsuits shame investigation report error lawsuit reimbursement request due to the credit bureaus not taking significant steps in the investigation process resulting inclusion and incorrect information very important 15 usc 1681 e ( b ) 15 usc 1681 5-2 1. ( 5 ) 15 USC 1681c ( c ) I have sent disputes over XXXX times and wasted over XXXX on resources trying to fix this problem over a course of over 5 years and requesting reimbursement immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) {$3300.00}, summit A r balance {$890.00}, XXXX XXXX balance {$790.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX XXXX balance {$130.00}, XXXX  Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) {$3300.00}, summit A r balance {$890.00}, XXXX XXXX balance {$790.00}, XXXX XXXX XXXX balance {$170.00}, XXXX XXXX XXXX balance {$130.00}, XX/XX/XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the handling of a dispute I initiated with TransUnion concerning the late payment history on my XXXX XXXX auto loan. Instead of correcting the inaccurate information, TransUnion removed the payment history entirely, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

1. Background and Dispute Process I noticed that my TransUnion credit report contained inaccurate information regarding late payments for my XXXX XXXX auto loan. Specifically, there were late payments being reported inaccurately. In response, I initiated a formal dispute with TransUnion, requesting an investigation into the inaccuracies. 

However, instead of addressing the inaccuracies by correcting them, TransUnion removed the entire late payment history from my credit report. This removal is problematic because the information, while inaccurate, was still a part of my account history, and removing it entirely does not reflect the actual status of my account. 

2. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, TransUnion, as a credit reporting agency, is obligated to : Ensure accuracy and completeness of reported information ( Section 1681e ( b ) ) : Credit reporting agencies must implement reasonable procedures to ensure the information they report is accurate and complete.

Conduct a reasonable investigation ( Section 1681i ( a ) ) : When a dispute is filed, credit reporting agencies are required to investigate the disputed information and make corrections if necessary.

Correct or delete inaccurate or incomplete information ( Section 1681i ( a ) ( 5 ) ) : If an item on the credit report is found to be inaccurate or incomplete, the credit reporting agency must either correct the information or delete it, but this must be done with accuracy in mind. 

XXXX removal of the late payment history, rather than correcting it, appears to be in violation of these provisions of the FCRA. By removing the information entirely, they failed to ensure the accuracy and completeness of my credit report, as required by the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Incorrect names and addresses that I have requested several times to be removed from the report are still present.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WV

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 2025-01-27 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: IL

Complaint narrative:
Subject : Inaccurate and Misleading Credit Reporting - Request for Immediate Deletion of Erroneous Information Details of the Complaint : I am submitting this complaint regarding the inaccurate reporting of a charged-off account by XXXX and Equifax, which violates the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to resolve this matter directly with the credit bureaus, the inaccuracies persist. Below are the specific details : 1. Account Information : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Charge-Off Date : XXXX XXXX. Violations of Reporting Standards : XXXX continues to report this account as past due with a balance of {$1900.00} as of XX/XX/XXXX, despite the account being charged off in XXXX and written off by the creditor. This misrepresentation violates FCRA guidelines. Once an account is charged off, the creditor can not report it as past due. 
Equifax shows the date of first delinquency ( DOFD ) as XX/XX/XXXX, but also continues to report late payments post-charge-off. Late payments after a charge-off date are legally impermissible and misleading to creditors. 
Both bureaus continue to report the charge-off with inaccurate balances and payment history, even though the debt was declared uncollectible years ago. 
3. Requested Resolution : I demand the immediate removal and permanent deletion of this account from both Equifax and XXXX credit reports due to repeated violations of the FCRA. 
Update the account to reflect the correct charge-off status and ensure it is removed according to the XXXX timeline from the DOFD ( XX/XX/XXXX ), per FCRA guidelines. 
4. Harm Caused : These reporting errors have caused me financial harm by lowering my credit score and misrepresenting my creditworthiness to potential lenders.

5. Supporting Documentation : I have attached copies of my credit reports from both XXXX and Equifax, highlighting the erroneous reporting. I have also included the DOFD and charge-off details for reference. 

Action Requested : I am requesting the CFPB hold both XXXX and Equifax accountable for violating my consumer rights under the FCRA. I demand the immediate deletion of this account and a full investigation into their non-compliance with federal law. 

If this matter is not resolved promptly, I reserve the right to escalate this issue further, including filing a lawsuit for damages caused by these violations.

Company response to consumer: Closed with non-monetary relief