vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The List of accounts below has violated my lederally protected consumer nignis to privacy and condentality under 1o Usu 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomo ete and not accurate. And accordine to the tair credit redortind act vnenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 Use 168115 they are suppose to do this ( 5 ) reatment of 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
I have a loan with CPS for a car purchased in XXXX. I reached out to youll last year. Im paying a very high interest rate for a car that doesnt work. Ive tried to find out whats wrong with the car. This had to be a scam. I tried to use the warranty that I never used, no hit the mileage. They said it was expired. I paid XXXX for this warranty. I pay CPS XXXX each month for a car that doesnt work right, and I believe is unsafe. I dont know what to do. Each time I try to get a car, they are denying me because of credit scores that doesnt even reflect the information I have. I dont know whats wrong with the car, and I need help with this loan. XXXX XXXX knew this car had electrical problems. Now, Im stuck with a loan that Im sure has been miscalculated with the payments and for a car that I cant even drive without continuing to give a jump start. Different readings that nobody knows what the issue is with the vehicle ; no loan. Can you assist, is it legal to sell a recalled vehicle? Cars should be reliable. I dont have any other forms of transportation. Why is it that the dealers are getting a different credit score than what I see on my end. I know I had to file a complaint to get my deposit back from XXXX XXXX during the purchase of this vehicle, and Im assuming they sold me this vehicle on purpose. The only reason I go to them because I have been dont you them since I moved to XXXX XXXX I never thought I be paying this much money for a limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
XXXX XXXX XXXX - {$630.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX XXXX - {$1300.00} : Attached themselves to my Credit Report Fraudulently XXXX XXXX {$1600.00} : Attached themselves to my Credit Report Fraudulently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. I recently reviewed my credit report from your agency and found the following error : Creditor Name : LVNV Funding LLC This account is listed as " Placed for collection '' with an open balance of {$410.00}. However, I believe this information is inaccurate. 

According to my records, This account has been paid for and asked to be removed multiple times. The third party debt collector keeps reaching out after account has been paid off. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this inaccurate information be investigated and corrected. Please update or remove the disputed item and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: AL

Complaint narrative:
Shared information without my knowledge and permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CREDIT ACCEPTANCE CORPORATION
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. 
Account Name : CREDITACPT Account # : XXXX Amount : {$19000.00} XXXX looked at my XXXX credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). 
And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 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 Shall. 
( i ) 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 item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account CREDITACPT from my credit report. Delete account CREDITACPT from my credit report, because of multiple violations of the fair credit reporting act.

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 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear CFPB, I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to formally lodge a complaint regarding the handling of a dispute I filed with Experian and to request the removal of inaccurate information from my credit report. 

The disputed account is with XXXX XXXX XXXX, listed with a balance of {$19000.00} and a date opened on XX/XX/XXXX ( Account # XXXX ). I have repeatedly informed XXXX XXXX XXXX that this debt does not belong to me and have requested the original contract with my signature for the car loan. However, they have failed to provide this documentation. 

I filed a dispute with Experian on XX/XX/XXXX, regarding this incorrect information ( Dispute Report Number : XXXX ). However, within XXXX hours, I received an email from Experian stating that the investigation had been completed. I find this timeline concerning as no thorough investigation could have been conducted in such a short period. I believe Experian did not perform a proper investigation on my behalf, as the dispute was resolved in less than XXXX hours without a full review of my case. 

As a result of this inaccurate information on my credit report, I have been unable to secure a job with XXXX XXXX, a XXXX with XXXX. This has caused significant personal and professional hardship. 

Therefore, I am requesting that Experian remove this incorrect information from my credit profile immediately. I believe that the account in question does not belong to me, and I have made this clear to both XXXX XXXX XXXX and Experian multiple times. 

Please confirm receipt of this email and inform me of the next steps in addressing my complaint. I trust Experian will take the necessary steps to rectify this situation. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX I have attached the police report and the credit report showing the disputed the item at XXXX time and put it back on my credit.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
See my previous CFPB complaint XXXX The company did not make a valid response The Citi website is not functioning as promised and as designed. It will not allow electronic access to transaction. The website worked properly in the past, and my accounts with other banks do not have this deficiency, so I believe the problem is the result of some change Citi has made. I asked repeatedly for the problem to be corrected. I talked to at least ten people and countless robots. No agent knew how to fix the problem, so I was told the problem would be escalated and I was given case number XXXX. I called again today and could only reach a robot which said the wait for an agent would be over 30 minutes. I gave up and filed this complaint, hoping to get the attention of some responsible person at Citi The company did what they said they would do with my complaint No ADDITIONAL COMMENTS The company 's response acknowledges the problem is caused by a change in their system and not by error on my part. They go on to say they are attempting to determine the cause. They they contadict that by saying, as best I can interpret, the problem can be resolved by my following a link and registering my card accounts. However, that simply repeats the same problem I had before. Their system has shown all along that my card appears to be registered. In spite of that, their system regects my card with an error message that indicates the card is not registered. In other words, they have done nothing to solve the problem, and their confusing " response '' seems to repeat back to me what I already know. There is something wrong with Citi 's system Cards that are shown as registered on the bank website are regected as not being registered.

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 2025-02-08 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the failure of a credit reporting agency to comply with the investigation procedures required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

I previously disputed inaccurate information on my credit report provided by Experian multiple times. The disputed item ( s ) are as follows : 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 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 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 

As per FCRA 15 U.S.C. 1681i, the credit reporting agency is required to conduct a reasonable investigation within 30 days of receiving notice of the dispute and provide the results of the investigation. However, despite my formal dispute on multiple attempts, the credit reporting agency has failed to : -Conduct the required investigation of the disputed information. 
-Notify me of the results of their investigation within the 30-day time frame, as mandated by the FCRA. 
-Correct or remove the inaccurate information on my credit report. 
-This non-compliance with the FCRA has resulted in an inaccurate representation of my credit history and has potentially harmed my financial standing. 

As a result of the credit reporting agency 's failure to comply with the FCRA, I am seeking your assistance in resolving this matter. I kindly request that the Consumer Financial Protection Bureau : remove these accounts immediately from reporting. 
Thank you for your attention to this matter. I look forward to your prompt action and resolution of this issue.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-02-08 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: GA

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. 

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The creditor for these accounts has reported payment history of Charge off for the last several months this is invalid as they are only allowed to report the charge off one time since they only charged off the account once. In addition, the balance reported is also inaccurate the amount of debt was written off by the creditor as a profit loss and per the IRS website that debt is considered forgiven/cancelled as it becomes taxable income for the consumer. The balance can no longer be reported on the report as a debt owed since a write off loss from the creditor can not coexist with debt owed to the creditor. Under law 15 USC 1681 ( e ) B of the FCRA all reported information must be accurate. 

For accounts : Capital one- {$1000.00} Capital one- {$180.00} Capital one- {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$2000.00} XXXX- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
In XX/XX/year> I learned that my personal information was compromised in a data breach involving Experian/Transunion/Equifax credit reporting agency ] . 
Following this incident, I reviewed my credit report and discovered several inaccuracies that I believe are linked to the breach. 
**Inaccurate Information** : The following items on my credit report are incorrect : 1. [ XXXX XXXX in the amount of {$1800.00} account number listed is XXXX this is not my account and I would like this deleted immediately. 

2. XXXX credit card is not my account Amount of {$2000.00} **FCRA Rights Violated** : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have already initiated disputes with the credit reporting agencies, but I am seeking your assistance to ensure these inaccuracies are addressed promptly and appropriately. 
**Request for Action** : I request that the CFPB investigate this matter and assist in the removal of the incorrect items from my credit report. Additionally, I would appreciate guidance on any further steps I can take to protect myself from identity theft and ensure my credit report is Accurate.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Unresolved Cash App Transaction - Transaction Number XXXX Dear CFPB, I am writing to file a complaint regarding a transaction issue with Cash App. On XX/XX/year>, at XXXXXXXX XXXX, I accidentally sent {$400.00} to an incorrect account. Upon realizing the mistake, I contacted Cash App five minutes later, at XXXXXXXX XXXX, after being prompted to request a refund. My friend then informed me that the account, XXXX XXXX, was his old Cash App account that had been closed. According to him, Cash App closed his account, which has prevented him from accessing the funds. 

In addition to my efforts, my friend, XXXX, the former account holder, was also in communication with Cash App to assist in getting my refund. Despite our attempts, the issue remains unresolved. 

The transaction number for this case is XXXX. I would appreciate any assistance in recovering my funds. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation