vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am writing to dispute the accuracy of information reported on my credit report regarding account number XXXX XXXX. Specifically, I am disputing the reported late payments associated with this account. I request that you correct this inaccurate information immediately. 

I am referencing the following federal laws in support of my dispute : 15 USC 1681i ( Procedure in case of disputed accuracy ) : This section outlines my right to dispute inaccurate information and your obligation to conduct a reasonable reinvestigation.

15 USC 1666b ( Credit billing ) : This section may be applicable if the account in question is a credit card account, and addresses billing errors. Please investigate if any billing errors contributed to the reported late payments. 

15 USC 1681e ( Compliance procedures ) : This section outlines your responsibilities regarding maintaining accurate and verifiable information. 
I am requesting that you remove all late payment notations for account number XXXX immediately. I am not requesting the deletion of the account itself, only the removal of the inaccurate late payment information. 

I expect a prompt and thorough investigation into this matter. Failure to correct this inaccurate information and remove the late payment notations will leave me no choice but to pursue all available legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Please provide me with written confirmation of the corrections made to my credit report within 14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am writing to dispute the accuracy of information reported on my credit report regarding account number XXXX XXXX. Specifically, I am disputing the reported late payments associated with this account. I request that you correct this inaccurate information immediately. 

I am referencing the following federal laws in support of my dispute : 15 USC 1681i ( Procedure in case of disputed accuracy ) : This section outlines my right to dispute inaccurate information and your obligation to conduct a reasonable reinvestigation.

15 USC 1666b ( Credit billing ) : This section may be applicable if the account in question is a credit card account, and addresses billing errors. Please investigate if any billing errors contributed to the reported late payments. 

15 USC 1681e ( Compliance procedures ) : This section outlines your responsibilities regarding maintaining accurate and verifiable information. 
I am requesting that you remove all late payment notations for account number XXXX immediately. I am not requesting the deletion of the account itself, only the removal of the inaccurate late payment information. 

I expect a prompt and thorough investigation into this matter. Failure to correct this inaccurate information and remove the late payment notations will leave me no choice but to pursue all available legal remedies to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Please provide me with written confirmation of the corrections made to my credit report within 14 days.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: CA

Complaint narrative:
I do not have a contract, nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had a chase bank checking account for 20 years. Last week a scammer broke into my account and stole XXXX XXXX I told the bank immediately the charge was not valid and reported it. 
They are refusing to investigate because they say I need to prove its not from me. 
That is crazy as I am not a forensic accountant and I told them immediately the charge was fraudulent Please help me I can not fight this huge bank alone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 proce 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against I.C. System, Inc. regarding an invalid collection account reported on my credit file. The details of the account are as follows : Debt Collection Agency : I.C. System, Inc. 
Date Opened : XX/XX/year> Despite my previous disputes with the major credit bureaus ( XXXX XXXX XXXX XXXX  ), no verification of this alleged debt has been provided to me as required under both federal and Texas state laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), consumers have the right to request validation of a debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), inaccurate or unverifiable information must be corrected or removed from credit reports. I.C. System, Inc. has failed to validate this debt, yet continues to report it to the credit bureaus, which constitutes a violation of federal statutes. 

Additionally, pursuant to Texas Finance Code Section 392.202, I have the right to dispute any inaccurate or incomplete information on my credit report and demand verification. Failure to provide validation or cease reporting the debt violates state regulations governing fair debt collection practices.

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 2025-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
XXXX XXXX  transferred our account to another mortgage company. We were in a program with FHA and during this time we were on time with all of our payments. Sense the transfer they have reported that we are 90 days late on our payment which is incorrect. Our last payment was in XXXX right before they have transferred our account. We have proof that are payments were on time and want this correction reflected on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) by refusing to investigate a legitimate dispute I submitted directly as the consumer. 

On XX/XX/year>, I sent a dispute letter requesting an investigation and verification of multiple accounts on my credit report, following my legal rights under the FCRA. Instead of complying with the law, TransUnion rejected my dispute under false pretenses, claiming that it was not submitted by an authorized party. This is completely false, as I personally submitted the request with all required supporting documentation, including a copy of my identification and proof of address. 

XXXX refusal to process my dispute delays the mandatory reinvestigation process, obstructing my rights under the FCRA and causing unnecessary financial harm. Their failure to comply with their legal obligations is a direct violation of my consumer rights. 

Additionally : XXXX was recently sued for similar violations, proving a pattern of misconduct among credit bureaus. 
XXXX was fined for failing to follow proper dispute resolution procedures, further demonstrating the lack of accountability among these agencies. 
I demand that TransUnion immediately processes my dispute, provides a detailed description of their verification process within XXXX  days, and removes any unverifiable or inaccurate information from my credit report, as required by law. 

Failure to act accordingly will result in further legal action against TransUnion for obstruction of consumer rights under federal 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 non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX/XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
FIRST NAME : XXXX LAST NAME : XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX DOB : XX/XX/year> SSN : XXXX DRIVER LICENSE NUMBER : XXXX PHONE NUMBER : ( XXXX ) XXXX EMAIL ADDRESS : XXXX I hope this letter finds you well. I am reaching out to request that my personal information be added to your records. My details are provided above for your convenience. 

Thank you for your assistance in this matter. I look forward to your confirmation. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CT

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate mu disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U>S>C> 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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 provide consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express concern regarding the recent dispute results that I have not received. I specifically requested, through both the CFPB portal that all dispute results from ( Equifax/XXXX/XXXX  ) be provided electronically via portal. However, I have not received any electronic communication, and I do not know where my personal information has been sent if they sent out mail without confirmation with me. This failure to meet my request puts my sensitive information at risk, as it may have been mailed to an unknown or insecure location, potentially exposing me to identity theft. Under FCRA 1681i ( a ) ( 6 ) and FCRA 1681g ( a ) ( 3 ), I am entitled to receive dispute results securely and in the manner requested. I demand immediate confirmation of my results and that all future communication be provided through the CFPB portal and/or ( Equifax/Experian/Transunion ) portal as originally requested .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: MI

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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 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 2025-01-31 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: NY

Complaint narrative:
While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the XXXX  major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report.

XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$7500.00}

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 non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the XXXX major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report.

XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$7500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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.

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX/XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: LEXISNEXIS
State: CA

Complaint narrative:
FIRST NAME : 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 I am writing to ensure that my personal information is accurately recorded in your system. Please see my details above for your reference. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation