vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: LA

Complaint narrative:
XXXX his failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, l am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's Inaction violates federal law and my rights as a consumer

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX his failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic 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 XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, l am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's Inaction violates federal law and my rights as a consumer

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XX/XX/XXXX after XXXX est and before XXXX I contacted TransUnion in regards to my XXXX XXXX account. I contacted ( Credit Strong ) umbrella under XXXX capital to resolve this same issue earlier in the day between XXXX est. The company response is that they sent out their reports to all three credit reporting agencies as promised per contract. My response from TransUnion is that they only report what they are given. My report for this account has not been updated by TransUnion since XX/XX/XXXX causing my balance to reflect inaccurate amount.

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 2025-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar an email ( attached to this complaint ) expressing my conditional acceptance to continue to service the loan upon, a validation of the debt, the status and verification of the loan made by XXXX XXXX XXXX XXXX XXXX acceptance of the bill of exchange sent along with the letter, and finally, note ownership establishing Standing to Foreclose. 

XXXX : -Talked to XXXX XXXX a Mr. Cooper agent, about the account being due, I expressed I wanted my letter responded to and that I am trying to resolve the issue. 

XXXX : - I received a Notice of Intent to Foreclose from XXXX XXXX XXXX : - I continued to receive monthly statements and calls from other Mr. Cooper agents telling me that they won't respond to the letter and I asked about who owns the note. She said Mr. Cooper does not actually own the note, just the mortgage. 

Meanwhile, Mr. Cooper continued to report late payments to my credit file, significantly reducing my score by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
XXXX, XXXX and Transunion have 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 XXXX 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 XXXX, XXXX and Transunion has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX and Transunions inaction violates federal law and my rights as a consumer.

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 2025-01-28 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, XXXX and XXXX have 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, XXXX and XXXX has neither corrected or removed these disputed items despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians, XXXX and XXXX inaction violates federal law and my rights as a consumer.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cashapp ( 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significate 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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was affected by a data breach that happened and I would like for my credit report to be cleared.

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: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Dispute of Inaccurate Information Reported by Jefferson Capital Systems this account does not belong to me. 

I am writing to formally dispute the inaccurate information reported by Jefferson Capital Systems on my credit report. I believe that these entries are not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 4 ), 15 U.S.C. 1681 ( a ), and 15 U.S.C. 1681 ( e ) ( b ).

FCRA 15 U.S.C. 1681 ( a ) ( 4 ) : Under this provision, all information reported to credit bureaus must be accurate. I believe that the data provided by these entities is inaccurate, misleading, or outdated, and I request that a thorough investigation be conducted to rectify these errors.

FCRA 15 U.S.C. 1681 ( a ) : This section requires that information provided by entities such as Jefferson Capital Systems must be accurate and complete. The inaccurate reporting of these accounts has harmed my creditworthiness and violates my rights under this section of the FCRA.

FCRA 15 U.S.C. 1681 ( e ) ( b ) : This section mandates that, upon notification of disputed information, the consumer reporting agency must conduct a reasonable investigation. I am requesting that you review the accuracy of these accounts and ensure that the required investigations are conducted to resolve the discrepancies.

The accounts in question are listed as follows : Jefferson Capital Systems Please review the attached documentation, which includes any relevant supporting evidence which I believe substantiates my claim of inaccurate information.

I request that you investigate these inaccuracies and take appropriate action in accordance with the FCRA. If the data can not be verified as accurate or if it does not meet the legal standards, I ask that it be removed from my credit report.

I also request written confirmation that my dispute has been received and is under investigation, as well as a final resolution of the matter. Please update me with any actions taken to resolve this issue, including any changes made to my credit report, as soon as possible. 

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

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The revised letter is a formal request for the verification of a specific account, XXXX, listed on a credit report. The individual, XXXX XXXX, is citing the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, which requires the credit reporting agency to physically verify the original signed consumer contract for any accounts posted on a credit report. Without this verification, the individual asserts that the account could potentially be fraudulent, and the credit reporting agency could be held liable. 

In the letter, XXXX demands the following actions : XXXX. **Verification of the XXXX XXXX : The credit reporting agency must provide original paperwork verifying the account, as required under Section 609 of the FCRA. If the account can not be verified, the agency must remove it from the credit report. 

XXXX. **Removal of Non-Account Holding Inquiries** : The letter requests the removal of any non-account holding inquiries over XXXX  days old from the credit report. 

XXXX. **Addition of Promotional Suppression** : The letter asks for the addition of a promotional suppression to the credit file. 

The letter concludes with a formal sign-off, indicating that it was signed and sealed by XXXX XXXX XXXX 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian his failed to fulfill its legal obligations under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic 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 disputed items despite the evidence I provided, causing ongoing harm to my credit standing, l am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's Inaction violates federal law and my rights as a consumer

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 2025-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: NE

Complaint narrative:
Complaint Description I am filing this complaint against XXXX XXXX XXXX, a debt collection agency, for violating the Fair Debt Collection Practices Act ( FDCPA ) and engaging in improper collection practices. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX  regarding an alleged debt of {$5900.00}, tied to a XXXX XXXX XXXX XXXX  credit card ( account ending in XXXX ), of which I have no knowledge of or affiliation with. The letter stated that they were collecting on behalf of XXXX XXXX XXXX, XXXX. In response, I submitted a formal dispute and validation request on XX/XX/year>, under the FDCPA. I requested the following : 1. Proof that the alleged debt belongs to me, including signed agreements or original account-level documentation.

2. A detailed transactional history of the alleged debt.

3. A chain of title documenting the transfer of ownership of the debt.

4. A signed document evidencing the accounts creation or validation of my involvement. 

Despite receiving my dispute letter sent via Certified Mail, XXXX XXXX XXXX failed to validate the debt or provide the requested documentation. Instead, they proceeded to file a lawsuit against me, even though the FDCPA explicitly prohibits collection efforts, including lawsuits, until proper validation is provided.

Why This is a Violation 1. Failure to Validate the Debt : XXXX XXXX XXXX did not provide any documentation to substantiate their claim that this debt belongs to me, nor did they respond to my inquire in any way.

2. Improper Collection Practices : Filing a lawsuit without validating the debt constitutes a violation of the FDCPA, as all collection activities must cease until the debt is validated. This action has caused unnecessary stress and financial harm.

Supporting Details 1. The address on their initial correspondence included a fraudulent address, which has been removed from my credit file after disputes with credit bureaus. This address is not affiliated with me.

2. I have no knowledge of the alleged account or any transactions tied to it, further supporting my belief that this debt is fraudulent.

Resolution Requested I request the CFPB investigate XXXX XXXX XXXX for violating the FDCPA and take appropriate enforcement action. Specifically : 1. Require XXXX XXXX XXXX to provide full validation of the debt.

2. Stop all collection activities, including the pending lawsuit, until validation is completed.

3. Remove any adverse reporting to credit bureaus related to this debt.

4. Hold XXXX XXXX XXXX accountable for their failure to comply with federal law. 

Thank you for addressing this matter.

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