vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Re : Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) Dear Credit Bureau, I recently submitted a dispute concerning an item on my credit report that I believe is inaccurate. You responded by stating that the item was verified as accurate. Under the Fair Credit Reporting Act ( FCRA ), I am now exercising my right under 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) to request a description of the procedure used to verify the disputed information.

Please provide the following : 1. The name, address, and phone number of the entity that you contacted to verify the information.

2. A detailed description of the method and steps you used during your investigation.

3. Copies of any documents or communications used to verify the disputed information.

The specific item I am referring to is : XXXX XXXX XXXX Account # XXXX This is a formal request, and I expect your response within 15 days of receipt, as required by law. If you are unable to provide this information, I request that the account be removed from my credit report immediately. 
Please mail your response to the address listed above. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank keeps charging monthly fees even when I have over XXXX on the account, my account was debited twice for monthly service fee and I had over {$1500.00} in the account. the account was debit {$12.00} on XX/XX/year> and {$12.00} on XXXX asked them to waive the fee and they refused as they have reduced my balance by {$24.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-05-14 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
The delinquent ( paid, closed ) account shown on my credit report ( XXXX ) was a result of COVID-19 crisis. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED, for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
The delinquent ( paid, closed ) account shown on my credit report ( XXXX ) was a result of COVID-19 crisis. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX, amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED, for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
In early XX/XX/XXXX, I received a phone call from XXXX XXXX regarding a debt I did not recognizean alleged balance of {$4400.00} related to a lease with XXXX XXXX. I immediately informed the caller that I did not recognize the debt and requested formal validation. 

While I previously lived at a property managed by XXXX XXXX, I moved from XXXX, NY to XXXX, TX in XX/XX/XXXX after losing my job. I spoke directly with the property management at the time, and we came to a verbal agreement that I could terminate the lease without penalty due to job loss and relocation. I was never informed of any remaining balance or debt after this conversation. 

On or around XX/XX/XXXX, I received a letter from XXXX XXXX dated XX/XX/XXXX, which included only a balance sheet in XXXX or XXXX  format dated XX/XX/XXXX. No lease agreement, itemized billing, or proof of liability was provided. This does not meet FDCPA standards for proper debt validation. 

On XX/XX/XXXX, I sent a registered letter formally disputing the debt, which was delivered on XX/XX/XXXX ( XXXX tracking # XXXX ). In that letter, I stated that the document provided did not constitute valid proof of debt and demanded that all collection efforts stop until proper validation was received. I received no response to this request. 

Despite this, on XX/XX/XXXX, my wife received a phone call from XXXX XXXX demanding payment. I called them back, restated that the debt was disputed, and told them that a registered letter had been sent. The representative claimed they had not received any letter and abruptly hung up on me. 

On XX/XX/XXXX, I was notified by my credit monitoring service that XXXX XXXX had placed a derogatory mark on my credit report, despite the active dispute and without providing the required validation. This is a direct violation of both the FDCPA and the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I'm writing to formally dispute an account that has been incorrectly reported under my credit file. This account does not belong to me and appears to be mixed in with my personal credit information. Its critical to understand that this is someone elses account entirely, and its presence on my report is both inaccurate and unacceptable.

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 2025-05-14 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: TX

Complaint narrative:
I've recently received a copy of my credit report through IdentityIQ and noticed unauthorized accounts/Information reporting to my credit report. These accounts had been affecting my credit and health for years now and its now affecting part of my life. I also found out my information was leaked due to a breach in XXXX and XXXX. 

Here is the list of ALL the accounts that I had reached out to and never received proper verification. I attached a copy of my most recent credit report. 

XXXX Account : XXXX {$230.00} XXXX XXXX Account : XXXX {$820.00} XXXX Account : XXXX {$250.00} XXXX XXXX Account : XXXX {$690.00} XXXX Account : XXXX {$240.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ) Account : XXXX {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account : XXXX {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX {$690.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX {$610.00} XXXX. XXXX Account : XXXX {$260.00} XXXX XXXX Account : XXXX {$1000.00} XXXX. XXXX XXXX Account : XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: PA

Complaint narrative:
Both XXXX XXXXXXXX accounts was paid in full on XX/XX/year>. Transunion updated the XXXX XXXX XXXX but posted that the XXXX XXXXXXXX XXXX was an unpaid balance and charged off in which both accounts was paid in full. I have both letter from XXXX XXXX  stating a XXXX balance.

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 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Both capital one accounts was paid in full on XX/XX/scrub>XXXX XXXX XXXX updated the capitol one bank but posted that the capitol one Walmart was an unpaid balance and charged off in which both accounts was paid in full. I have both letter from capital one stating a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Estimated Dates of Contact with Credit Reporting Agencies XX/XX/year> Initial complaint and possible dispute initiation with credit bureaus ( aligned with your first outreach about the false reporting ) XX/XX/year> Likely dispute update or follow-up with credit bureaus after receiving XXXX confirmation of the charge-off XXXX XXXX XXXX Escalation period ; very likely included formal disputes with Equifax, XXXX XXXX XXXX XXXXXX/XX/year> Ongoing dispute status checks and follow-ups, likely in parallel with certified mailings and complaint filings XX/XX/year> Included summary of the unresolved credit reporting issues in your IRS correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-05-14 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-14 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:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I called Westlake Financial Services on XXXX to discuss if anything is left over from my insurance and XXXX waiver since my vehicle was a total loss. I was advised there was over {$400.00} left and that it would need to be paid. I spoke with a supervisor to see if the money from my insurance could be reallocated to cover the current past due amount to keep my account current until I can pay it in XXXX. The supervisor advised this is not an option to which I asked to speak to their supervisor. They stated they will put in a review to have someone reach out to me and another review to see if the money could be reallocated. I called again today XXXX as I have not received any calls back per my request and an agent advised there is no review for them to call me back or to review if the money could be reallocated as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-14 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: OK

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TN

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I'm writing to formally dispute an account that has been incorrectly reported under my credit file. This account does not belong to me and appears to be mixed in with my personal credit information. Its critical to understand that this is someone elses account entirely, and its presence on my report is both inaccurate and unacceptable.

Company response to consumer: Closed with non-monetary relief