vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I request from XXXX XXXX All accounting and book keeping, and proof of funds and what bank account were those funds deposited and when and by who? 
They ignored my request and put the loan amount on my credit report as a debt. When it was paid in full by the bank purchasing the promissory note ( offer letter ) at law I issued them a security and never received a receipt of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unethical practices that violate the Consumer Financial Protection Act ( CFPA ). The platform has failed to take prompt and effective actions to prevent and address fraud, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process has proven to be both unjust and deceptive, not complying with the error resolution standards established by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These problems have caused significant inconvenience and financial damage, leading me to pursue appropriate remedies for these infractions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized XXXX account ( Account # XXXX ) that has recently appeared on my credit report with Experian. I have already disputed this account directly with Experian, yet they have failed to provide me with the requested supporting documentation verifying the accounts legitimacy. 

Furthermore, Experian has contacted me regarding my personal information being found on the dark web, which raises serious concerns about identity theft. Given this information, it is clear that this XXXX account does not belong to me, and I am requesting its immediate deletion from my credit report. 

It has also come to my attention that the CFPB is currently suing Experian for failing to conduct proper investigations of consumer disputes, violating the Fair Credit Reporting Act ( FCRA ). In handling my dispute, Experian has failed to uphold its legal obligations under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation : Experian has not conducted a thorough investigation into my dispute, as required by the FCRA.

15 U.S.C. 1681b Unauthorized Use of My Credit Information : If Experian has allowed an unauthorized account to be reported in my name without verifying its legitimacy, they may be in violation of this section.

Experians failure to provide me with verification documents and their continued reporting of inaccurate information is causing undue harm to my credit profile. I request that the CFPB investigate this matter and ensure that Experian complies with the law by removing this fraudulent account from my credit report 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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sunbit, Inc.
State: VA

Complaint narrative:
Despite my formal request for a cease-and-desist to prevent further contact, your company has continued to call me daily, multiple times per day, which I believe constitutes harassment. A rep called me on XX/XX/year> ( XXXX ) & I asked that rep to cease and desist from calling me. She said okay and disconnected. I have received a calls everyday since and multiple voicemails. Today A rep called and I answered and told him the same thing for the second time. I have the calls, and voicemails as proof. As you are well aware, under the FDCPA, debt collectors are prohibited from engaging in abusive or harassing behavior, including frequent phone calls after a cease-and-desist request is made. Your actions in this regard are a direct violation of my rights under this law. As well as false advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM ***

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 2025-02-05 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: SC

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : TRANSUNION- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute DepartmentExperian XXXX XXXX XXXX, TX XXXX Dispute DepartmentEquifax XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Immediate Action Regarding Data Breach and FCRA Compliance To Whom It May Concern, I am writing to formally dispute the presence of inaccurate or unauthorized information on my credit reports provided by your respective agencies, Experian and Equifax. It has come to my attention that my personal information was exposed in a recent data breach, and as a result, my credit history has been impacted. 
Legal Framework for Dispute : Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any incorrect or outdated information on my credit report. The FCRA mandates that credit reporting agencies must investigate any disputes I raise within 30 days of receipt and remove any unverifiable, inaccurate, or fraudulent data. Additionally, Section 1681e ( b ) holds credit reporting agencies responsible for maintaining accurate and complete information. 
Your failure to ensure compliance with the FCRA, resulting in the inaccurate reporting of accounts impacted by the breach, has directly affected my ability to obtain credit. I have been unjustly denied credit cards, auto loans, and subjected to higher interest rates because of this negligence. I am requesting that you : 1 Immediately remove any and all accounts impacted by the data breach from my credit file.

2 Conduct a thorough re-investigation of my credit report, ensuring that only accurate, verifiable information remains.

3 Provide me with a formal response detailing the actions taken to address this dispute. 
Please note that I am giving you five ( 5 ) business days from the receipt of this letter to resolve this matter. If I do not receive confirmation from you that my credit reports have been corrected, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for violations of the FCRA.

Pursue legal action for damages under the FCRA, including but not limited to claims for punitive damages, attorney fees, and statutory damages. 
I expect a prompt and satisfactory resolution. Failure to comply will leave me with no choice but to seek further remedies as outlined above. 
Thank you for your immediate attention to this matter. I trust that you will act in compliance with the Fair Credit Reporting Act to rectify this issue. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuit to FCRA XXXX ( XXXX XXXX that Trans Union credit reporting XXXX and XXXX XXXX XXXX XXXX XXXX on my consumer credit report that is the result of identify theft and fraud within four business days.You are receiving this complaint this fraudulent and inaccurate and false information consist of a personal credit card with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have resulted in several fraudulent, hard inquiries and fraudulent collections apparent on my consumer credit report. Ive attached a list of the hard inquiries and question as well as a copy of the consumer FICO credit report maintained by me which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections apparent on my consumer credit report maintained by me, was not open by myself all of the aforementioned accounts are the result of identity theft and fraud. Ive attached a copy of my FTC identity theft criminal complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collections inquiries are the result of identity fraud.

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 2025-02-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Volunteer Mortgage Loan Servicing
State: TN

Complaint narrative:
I currently have a mortgage with this company ; it is currently in deferment, and I began paying in XX/XX/XXXX. This company has reported me late on my credit report showing that I have not made a payment on my mortgage since XX/XX/XXXX when my last payment was actually XX/XX/XXXX. I was instructed by the rep not to pay so I can complete the forbearance on my loan, but the reports are inaccurate. I made several payments in XXXX and they need to reflect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
recently checking my credit report i notice ive been a victim of identity theft and found numerous inquiries closed accounts that i have no knowledge of here are the inquiries and closed accounts that ive found closed 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 explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
Im writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, Ive identified several discrepancies that need immediate correction. This inaccurate data is negatively impacting my credit score, and it is imperative that it be rectified without delay.

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 2025-02-05 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:
Subject : Dispute : Failure to Conduct Reasonable Investigations as Highlighted in CFPB Lawsuit Dear Equifax, Experian and TransUnion I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter serves as my formal Round 2 dispute regarding the following accounts : 1. XXXX XXXX-These account are reporting inaccurate despite no supporting documentation 2. XXXX XXXX XXXX XXXX -This account is not mine and remains unverifiable. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for engaging in sham investigations of consumer disputes. The CFPBs complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. 

As per the FCRA XXXX ( XXXX U.S.C. XXXX ), Experian is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 

2. Furnish me with the Original contract of these debts, 3. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPBs findings and your previous handling of my dispute, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : 1. Conduct a thorough and reasonable investigation into the disputed accounts listed above. 

2. Delete or correct any unverifiable, inaccurate, or incomplete information. 

3. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question. 

4. Send me an updated copy of my credit report reflecting any changes. 

I have included copies of relevant supporting documents and identification to aid in your investigation. Under FCRA XXXX ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. 

Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filing a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 


I sent certified letters to TransUnion, Eqifax and Experian as my second attempt to resolve 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
Consumer complaint received 2025-02-05 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: MA

Complaint narrative:
Experian has failed to fulfill its 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.

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 2025-02-05 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-05 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: SC

Complaint narrative:
ACCOUNT FROM XXXX IS ON MY ACCOUNT WITH BALANCE OF XXXX IT IS FRAUD AND NOT MINE I AM UNAWARE OF ANY ACCOUNT AS OF SUCH.

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