vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
the reporting of late payments on my credit report associated with certain student loan accounts that fall under the protection of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which was enacted on XX/XX/XXXX. 
Under the CARES Act ( Pub. L. 116-136, Section 4021 ), creditors were required to report accounts in forbearance or deferment as Current if the borrower had entered into an accommodation due to COVID-19. This protection was specifically extended to federal student loans held by the XXXX XXXX XXXX and servicers such as XXXX. 
I have identified several student loan accounts on my credit report that were reported as late during the CARES Act protection period, which violates both the CARES Act and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Affected Accounts : XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$1100.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$38000.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$21000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2500.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2400.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$360.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1900.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$3200.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$6000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2100.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4100.00} Legal Basis for Dispute : 1. CARES Act ( Pub. L. 116-136, Section 4021 ) : o The CARES Act required loan servicers to report accounts as " Current '' if the borrower entered into a deferment, forbearance, or other accommodation due to COVID-19.

o These loans were federal student loans, which are directly covered under the CARES Act. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : o The FCRA requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

o Reporting late payments while the account was in deferment or forbearance under the CARES Act violates the FCRA. 
3. Relevant Case Law : o Sessa v. TransUnion LLC Established that credit reporting agencies have a duty to maintain reasonable procedures to ensure maximum possible accuracy.

o Doe v. Experian Held that furnishers and credit bureaus have a legal obligation to accurately report account status when an account is in forbearance.

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 2025-03-12 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: IL

Complaint narrative:
the reporting of late payments on my credit report associated with certain student loan accounts that fall under the protection of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which was enacted on XX/XX/XXXX. 
Under the CARES Act ( Pub. L. 116-136, Section 4021 ), creditors were required to report accounts in forbearance or deferment as Current if the borrower had entered into an accommodation due to COVID-19. This protection was specifically extended to federal student loans held by the XXXX XXXX XXXX  and servicers such as XXXX. 
I have identified several student loan accounts on my credit report that were reported as late during the CARES Act protection period, which violates both the CARES Act and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Affected Accounts : XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$1100.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$38000.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$21000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2500.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2400.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$360.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1900.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$3200.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$6000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2100.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4100.00} Legal Basis for Dispute : 1. CARES Act ( Pub. L. 116-136, Section 4021 ) : o The CARES Act required loan servicers to report accounts as " Current '' if the borrower entered into a deferment, forbearance, or other accommodation due to COVID-19.

o These loans were federal student loans, which are directly covered under the CARES Act. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : o The FCRA requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

o Reporting late payments while the account was in deferment or forbearance under the CARES Act violates the FCRA. 
3. Relevant Case Law : o Sessa v. TransUnion LLC Established that credit reporting agencies have a duty to maintain reasonable procedures to ensure maximum possible accuracy.

o Doe v. Experian Held that furnishers and credit bureaus have a legal obligation to accurately report account status when an account is in forbearance.

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 2025-03-12 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: IL

Complaint narrative:
the reporting of late payments on my credit report associated with certain student loan accounts that fall under the protection of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which was enacted on XX/XX/XXXX. 
Under the CARES Act ( Pub. L. 116-136, Section 4021 ), creditors were required to report accounts in forbearance or deferment as Current if the borrower had entered into an accommodation due to COVID-19. This protection was specifically extended to federal student loans held by the XXXX XXXX XXXX  and servicers such as XXXX. 
I have identified several student loan accounts on my credit report that were reported as late during the CARES Act protection period, which violates both the CARES Act and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Affected Accounts : XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$1100.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX : {$38000.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX : {$21000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2500.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2400.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$360.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1900.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$3200.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$6000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2100.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4100.00} Legal Basis for Dispute : 1. CARES Act ( Pub. L. 116-136, Section 4021 ) : o The CARES Act required loan servicers to report accounts as " Current '' if the borrower entered into a deferment, forbearance, or other accommodation due to COVID-19. 
o These loans were federal student loans, which are directly covered under the CARES Act. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : o The FCRA requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information. 
o Reporting late payments while the account was in deferment or forbearance under the CARES Act violates the FCRA.

3. Relevant Case Law : o Sessa v. TransUnion LLC Established that credit reporting agencies have a duty to maintain reasonable procedures to ensure maximum possible accuracy. 
o Doe v. Experian Held that furnishers and credit bureaus have a legal obligation to accurately report account status when an account is in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-12 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-12 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Im filing a complaint against cashapp ( block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ) .specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.furthermore their dispute resolution process was unfair and deceptive, as they did not comply with or error resolution requirements in the electronic fraud transfer act ( EFTA ) and regulation E.these actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: WA

Complaint narrative:
I received an email from a person named XXXX XXXX who claimed to be an attorney with The XXXX XXXX XXXX. The email states that this notice is regarding your account with speedy cash, which currently reflects an outstanding balance of XXXX. Despite our previous attempts to contact you, we have not yet received a response or payment. As a result, we must inform you that this account is now at risk of further legal action. 
Account Details : Docket Number : XXXX Total Amount Due : USD XXXX Proposed Settlement Amount : USD XXXX Cost of Lawsuit : USD XXXX Attorney : XXXX XXXX I responded to this email and asked what company this is for and if there is a phone number i can call to speak with someone. 
I received an email back stating : This is an important notification regarding your outstanding debt with XXXX XXXX XXXX, the parent company of Speedy Cash, and have several other affiliated payday loan websites. We have made several attempts to contact you regarding this matter, but unfortunately, we have not received a proper response. Please direct any repayment concerns to email only, avoiding phone or mail. Missed payments may lead to legal action. Email enables clear documentation and timely resolution, ensuring effective communication. 

I responded to this email stating that i have not received any documentation in regards to this debt, can you please send me the documentation that you have for the debt that i owe. 

I received an email back stating first and foremost, let us be clear : we are not here to entertain individuals who show lack of seriousness regarding their financial obligations. We are here to assist, but it is up to you whether or not you choose to cooperate. We have a record that you have taken a loan from us, and yet you refuse to provide the requested information, citing trust issues. Should you fail to make the necessary payment, legal action will pursued. Expect to receive a COURT SUMMONS delivered to your doorstep by the Sheriff 's Department. At this point, the option for an outside-of-court resolution will be null and void. The clock is ticking, and we will no longer waste time. This is your last opportunity to settle before facing legal consequences. The choice is yours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
My XXXX XXXX XXXX was totaled on XX/XX/XXXX. The vehicle was marked paid off and I received a letter and lien release from Toyota motor credit corporation on XX/XX/XXXX. I received a check for {$1.00} over payment to the account dated XX/XX/XXXX. I then received a collections letter from Toyota motor credit for {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
To whom it may concern I am writing to formally request validation of the alleged debt reference above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692g. 
1.Verification that I owe this debt : including a copy of any agreement bearing my signature. 
2. An itemized breakdowns of the amount claimed. 
3. The name and contact information of the original credit. 
4.Proof that you are legally authorized to collect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Ive been having a lot of issues with this deck collector. Ive been asking them to a dead validation in all the information that I have also sent email as of XX/XX/year> a certified letter to this company provide all the documentation that they are collecting on this debt theyve been changing the amount of the debt every week and its affecting my current report I want them to stop changing the amount that is because this is a. And also, they are not following the debt collection policies, and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I keep getting requests to collect a debt that I am not responsible for and have no relation to. 

See text message below : Visit XXXX XXXX XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$2100.00} for your XXXX XXXX XXXX XXXX account . 

Pay : - {$1800.00} in up to 18 monthly payments. 15 % off, that's a savings of {$320.00}! 
- One time payment of {$2100.00} This text is from Halsted Financial, a debt collector. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Incomplete Resolution of Credit Dispute TransUnion FCRA Violations Message : " I am writing to provide feedback regarding my complaint against TransUnion. The company responded stating that my XXXX XXXX XXXX XXXX account was updated, but they failed to provide proper verification as required under the Fair Credit Reporting Act ( FCRA ). 

Violations include : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a proper description of their investigation.

I request further intervention from the CFPB to ensure TransUnion complies with federal law and removes this inaccurate 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 non-monetary relief