vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I am asking for your help in investigating accounts where companies have inaccurately reported late payments. After reviewing my credit report, I noticed errors in certain accounts, as they should not have any late payment records. Please look into this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-18 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/year>2025, I received a letter dated XX/XX/scrub>, 2025, from XXXX XXXX, informing me that a personal loan application had been submitted in my name. Concerned about potential fraud, I immediately contacted XXXX fraud department the same day. After verifying my identity, the fraud representative confirmed that someone had used a Credit Karma account to apply for the loan. However, they also noted that the application contained missing or incorrect information about me. As a precaution, XXXX fraud department advised me to change my Credit Karma password. 

On XX/XX/year>2025, I attempted to access my Credit Karma account but was unable to log in using the password I had used for years. I then contacted Credit Karmas support team multiple times, but each interaction resulted in contradictory and misleading responses : The first agent falsely claimed my phone number was not on file, despite the fact that I was receiving authentication codes via text. 
The second agent instructed me to upload a copy of my drivers license, but after doing so, I was told it was invalid. 
The third agent abruptly deactivated my account, falsely stating that I could simply " create a new one '' which was not true. 
Rather than assisting me in securing my account and protecting my personal information, Credit Karma wrongfully deactivated my account, further exposing my data and preventing me from accessing critical financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've tried to remove incorrect addresses off my Equifax report and also to add my correct address and they have yet to let me do this and also they will not give me the option to dispute it. My other two credit reports have the correct information Equifax is reporting in the wrong information and refuse to do anything to make it correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed several accounts that do not belong to me. These entries are completely erroneous and have no connection to me whatsoever. This is not only unjust but also deeply concerning. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate and fair credit report. These inaccuracies must be rectified immediately. I expect a thorough investigation into these errors, and I insist that they be corrected without delay. Failure to address this matter promptly will leave me no choice but to pursue legal remedies.

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 2025-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX 2025 Equifax XXXX XXXX XXXX. XXXX, GA XXXX Dear Equifax I am writing to formally dispute, inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a pharaoh investigation into these inaccuracies, as required by federal law. 

Recently, the consumer financial protection bureau filed a lawsuit against Equifax for failure to property investigate consumer disputes, siding, share investigations, and other unlawful practices these practices as outlined by the CFPB, include Conducting inadequate investigations that failed to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results efficiently. 
These allegations highlight, systematic issues that directly determine consumer protection and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be miss handled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Cr
edit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of 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 2025-02-18 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your **final and non-negotiable** demand to **immediately** delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
**Pursuant to 15 U.S.C. 1681b**, you are illegally reporting and sharing my personal information without my explicit authorization. 
**You do not have my consent, and you have never had my consent** to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains **unauthorized inquiries** that I did not initiate, which makes me a **victim of identity theft**. 
**Under 18 U.S.C . 8**, I owe **absolutely no debt** to the companies listed. Your failure to delete these inaccuracies immediately will result in **severe legal consequences**. I will **not hesitate** to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the **Federal Trade Commission ( FTC ) ** and the **Consumer Financial Protection Bureau ( CFPB ) **.

2. Initiating civil lawsuits for violations of my rights under the **Fair Cr
edit Reporting Act ( FCRA ) **.

3. Seeking **statutory and punitive damages** for your gross negligence and failure to comply with federal law.

You are hereby notified that you have **no further opportunity** to delay or ignore this matter. I **demand** that all incorrect entries and unauthorized inquiries be deleted **immediately** and **permanently**. This is your **final warning**, and I expect **written confirmation** of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in **significant consequences** for your continued disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XX/XX/XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered multiple accounts that are inaccurately listed under my name. These accounts are completely unrelated to me and should not be affecting my credit history. This is a serious matter and causes significant concern. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to a credit report that is both complete and accurate. These inaccuracies must be investigated and corrected immediately. I expect a swift resolution and a thorough review of the erroneous information. If this issue is not addressed promptly, I will be forced to consider legal actions to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: MN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Verification and Original Contract Pursuant to 15 U.S. CODE 1692 and 15 U.S. CODE 6802 Dear, Portfolio Recovery Associates , LLC I am writing in response to your recent communication regarding the debt referenced above. I request verification of the debt and a copy of the original contract or agreement, as required under 15 U.S. CODE 1692 of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. CODE 6802 under the Gramm-Leach-Bliley Act ( GLBA ).

Specifically, I am requesting the following : 1. A copy of the original signed contract or agreement that establishes the debt you are attempting to collect, including any terms and conditions that govern this obligation.

2. A detailed statement of the debt, including the amount owed, any fees or interest charged, and a history of payments made ( if applicable ).

3. Proof that you are authorized to collect on this debt, including any assignments or documentation that shows your legal right to collect.

4. Verification of the privacy protection of my personal financial information, in accordance with the Gramm-Leach-Bliley Act ( 15 U.S. CODE 6802 ) . Please provide information regarding how my financial data has been protected during your collection efforts, including the measures taken to comply with applicable privacy regulations.

Under 15 U.S. CODE 1692, I have the right to request this information within 30 days of receiving your initial communication. During this period, I dispute the debt and request that all collection efforts cease unless you provide the requested verification.

Furthermore, under 15 U.S. CODE 6802, financial institutions and their affiliates are required to establish privacy policies to protect consumer information. I ask that you confirm how you have complied with this requirement during your collection process.

Until the requested verification and contract are provided, I ask that you CEASE and REMOVE all collection efforts and refrain from reporting the debt as due or owing to any credit reporting agencies. If you are unable to provide the requested verification, I request that you CEASE and REMOVE all collection efforts entirely.

Please respond within the 30-day period mandated by law. Failure to do so will be considered as non-compliance with my legal rights under the FDCPA and the GLBA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation