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

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the account ( XXXX ) listed on my credit report under XXXX XXXX XXXX. This account was included in my XXXX  XXXX Bankruptcy, which was filed on XX/XX/year> and discharged on ( XX/XX/year> The bankruptcy case number is ( XXXX As per Section 524 ( a ) ( 2 ) of the Bankruptcy Code, any debt discharged in bankruptcy is legally prohibited from being reported as owed or collected. By continuing to report this debt, you are in violation of both the Bankruptcy Code and the Fair Credit Reporting Act ( FCRA ).

Additionally, as a debt collector, you are subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collecting or reporting debts that have been legally discharged through bankruptcy. Specifically, Section 1692e ( 5 ) of the FDCPA states that a debt collector may not falsely represent or threaten to take any action that can not legally be taken. Therefore, continuing to report this debt as
owed, after it was discharged, violates these rules.

In accordance with the FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ), I am requesting that you immediately cease all collection activities related to this debt, including reporting it to the credit bureaus. I also request that you update your records to reflect the fact that this debt was discharged in bankruptcy, and ensure that the account is marked as " Discharged in Bankruptcy '' on all three of my credit reports.

I have attached a copy of my bankruptcy discharge notice as evidence that this debt has been legally discharged. Please update my credit report and send me written confirmation that this debt has been removed from your records.

If you do not respond to this request or fail to update the account, I will be forced to take further action. Under FDCPA Section 1692k, you could be subject to legal action for continuing to collect or report on a discharged debt.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the account ( XXXX ) listed on my credit report under XXXX XXXX XXXX. This account was included in my XXXX  XXXX Bankruptcy, which was filed on XX/XX/year> and discharged on ( XX/XX/year> The bankruptcy case number is ( XXXX As per Section 524 ( a ) ( 2 ) of the Bankruptcy Code, any debt discharged in bankruptcy is legally prohibited from being reported as owed or collected. By continuing to report this debt, you are in violation of both the Bankruptcy Code and the Fair Credit Reporting Act ( FCRA ).

Additionally, as a debt collector, you are subject to the Fair Debt Collection Practices Act ( FDCPA ), which prohibits collecting or reporting debts that have been legally discharged through bankruptcy. Specifically, Section 1692e ( 5 ) of the FDCPA states that a debt collector may not falsely represent or threaten to take any action that can not legally be taken. Therefore, continuing to report this debt as
owed, after it was discharged, violates these rules.

In accordance with the FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ), I am requesting that you immediately cease all collection activities related to this debt, including reporting it to the credit bureaus. I also request that you update your records to reflect the fact that this debt was discharged in bankruptcy, and ensure that the account is marked as " Discharged in Bankruptcy '' on all three of my credit reports.

I have attached a copy of my bankruptcy discharge notice as evidence that this debt has been legally discharged. Please update my credit report and send me written confirmation that this debt has been removed from your records.

If you do not respond to this request or fail to update the account, I will be forced to take further action. Under FDCPA Section 1692k, you could be subject to legal action for continuing to collect or report on a discharged debt.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XX/XX/year> Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Cease and Desist Demand Violation of 15 U.S.C. 1692c Dear Sir/Madam, I am writing to formally demand that Credit Acceptance immediately cease and desist from all further communications and collection attempts regarding my account. Under 15 U.S.C. 1692c, I have the right to request that you cease all communications related to the alleged debt, and I am exercising that right in this letter.

Specifically, under 15 U.S.C. 1692c ( c ), once a debtor notifies a debt collector in writing that they wish to cease further communication, the debt collector is prohibited from continuing to contact the debtor, except for certain specific situations. I am exercising my right to require that you cease any and all communication regarding the alleged debt with me, including phone calls, letters, or any other form of contact.

This is a formal request that : 1. Cease all further communication with me regarding the alleged debt, except for written notices to confirm that the debt has been settled or resolved in some way, as permitted by law. 
2. Stop reporting any information regarding this alleged debt to credit reporting agencies, if applicable.

3. Acknowledge that if you do not comply with this request, I will take appropriate legal action under 15 U.S.C. 1692c and may file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Please consider this letter a formal cease and desist request. Failure to comply with this demand within 30 days from the date of this letter may result in me pursuing further legal action, including filing complaints with regulatory authorities such as the CFPB and pursuing any other remedies available under the law.

I expect your full cooperation in adhering to this request. If you have any questions, please contact me at ( XXXX ) XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, my Cash App account was abruptly closed due to an alleged violation of the Terms of Service or Acceptable Use Policy. All features, including my Cash App card, were permanently disabled, and no specific reason was provided. I contacted Cash App support via email on the same day, requesting clarification, and was given an opportunity to appeal. I submitted my first appeal on XX/XX/XXXX, which was escalated for a 30-day review. On XX/XX/XXXX, I was informed of the account findings without any specific details regarding the violation. Cash App support agent XXXX offered another appeal opportunity, which made it seem as if my initial appeal had been ignored. I submitted a second appeal on XX/XX/XXXX, and was informed that the review process would take another 30 days under case # XXXX. Despite my request for clarification on the violation, XXXX responded again without providing any specific reason. On XX/XX/XXXX, I was informed that nothing further could be done by Cash App support. 

On XX/XX/XXXX, Cash App responded, citing a recent Consent Order with the Consumer Financial Protection Bureau ( CFPB ) related to historical customer service issues. However, my specific case remains unresolved, and I am still seeking a clear explanation for the alleged violation and a fair resolution, such as the reinstatement of my account or the return of my funds.

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: 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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: 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 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 2025-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
I would get charged small amounts of money 3 to 4 times a week on the regular! These amounts would range from {$2.00} to {$5.00} and I would not alert me nor me from legitimate sources I use nor contacts that I use! And this happens/happened on the regular! I cant/couldnt get anyone on the phone to help me with these problems on questionnaires!

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Unfortunately I have been the victim of a data breach and as a result I have discovered several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Unfortunately I have been the victim of a data breach and as a result I have discovered several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by federal law. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of this name must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX, NC XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be removed immediately In the birthdate/year of birth field XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under XXXX XXXX XXXX. XXXX XXXX " this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report. Late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but this is a collection account legally, a collection account can not be reporting as a past due balance as the account already has been sent to collections. This account is reporting in accurately and must be removed from my report immediately. Pursuant to the laws 15 USC 6802, 15 USC 1681C2 and FCRA 605B I demand that this account be removed within four business days As permitted by 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 2025-02-06 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/year> experian XXXX XXXX XXXX XXXXXXXX tx XXXX subject ; formal dispute regarding 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 thorough investigation into these inacurracies, as required by federal law. 

recently, the consumer financial protection bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices, as outlined by the cfpb include ; conducting inadequate investigations that fail to address consumer disputes properly. 
reinserting previously disputed and inaccurate information without explanation. 
failing to notify consumers about investigation results effectively. these allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. i am deeply concerned that my dispute mayb be mishandled in a similar manner.

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 status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation