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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at [ XXXX or [ XXXX ] if further information is required. Sincerely, XXXX XXXX [ Enclosures : Credit Report Highlighted, Supporting Documentation ] This letter is tailored to the specific inconsistencies shown in the provided document. If you'd like, I can refine it further or assist with submitting the dispute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted proof the student loans were petitioned during bankruptcy and based in the amount discharged in my bankruptcy the student loans were part of the discharge in 2013

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Collection agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX XXXX Collection agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX XXXX Collection agency : XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX 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 2025-02-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Collection agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX XXXX Collection agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX XXXX Collection agency : XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX 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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ex experian says was verified correctly i know wrong not mine debt. i did not have no reson to lie i payed off there no balance owed to credit card company just say what they whant iam XXXX XXXX that payes not right balance owed limit of XXXX on this so why charging me XXXX home depot card that had balance XXXX on wow. experian says yes it correct another was thou aspire credit card i had limit XXXX and was paid off covid 19 thanks XXXX money. now see credit i got XXXX on my report collection now and was being payed by insurance i lost job from covid 19 cumsumer are get riped off selling my to other with out knowing it is

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXXXXXX keeps finding and buying old charged off debt. One of them I am almost certain I paid. It's been over 25 years. I've moved several times since then. I went to court and tried to argue that point and the judge granted them payment. They contacted me again via court records saying I owed them a different amount. I told them I didn't owe that but we went to court again and they won again. This time they garnished my checking account at XXXX. To me this is unfair because I have no knowledge of where they keep getting these accounts from. I've contacted courts in each city I lived in like XXXX, XXXX XXXX, and XXXX and I can't find any charges against me. It should be a limit on what debt collection companies do. How can I protect myself from this happening again? I do have the court documents sent to the bank. But my bank didn't notify me until they put a {$1200.00} hold on my account. I had just received payment from the XXXX XXXX class action lawsuit. It's ironic that it was that amount and they garnished me for almost that amount. 
Kindest Regards, XXXX XXXX

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 is missing that should be on the report
Company: LoanCare, LLC
State: GA

Complaint narrative:
Subject : Urgent Assistance Required Regarding Loan Mismanagement Dear XXXX XXXX XXXX, I am writing to formally address a series of issues I have experienced with XXXX XXXX XXXX regarding my home loan ( Loan # XXXX ). Despite my efforts to resolve these matters directly with the company, I find myself in need of your assistance. 
1. Foreclosure Despite Forbearance : My loan was sent to foreclosure, even though I was enrolled in a COVID-19 forbearance plan. Additionally, I was actively applying for the Georgia Mortgage Assistance ( HAF ) program, which was implemented by XXXX. XXXX XXXX XXXX to assist Georgia residents who were struggling with mortgage payments due to the pandemic. XXXX XXXX XXXX was in communication with HAF and had all the necessary documentation on file. Despite this, my loan was incorrectly placed in foreclosure. 
This was Unethical and Fraudulent financial practice was used by Loan Care increase my interest rate from XXXX to 6.625 % and subsequently increasing my Mortgage payment {$2100.00} to {$3600.00}. 

XXXX. Unlawful Loan Payment Increase and Interest Rate Adjustment : Following the foreclosure issue, XXXX XXXX XXXX increased my monthly payment from approximately {$2100.00} to {$3600.00}. Upon seeking legal counsel, I was advised that such actions are unlawful. Specifically : XXXX should not have sent my loan to foreclosure while it was under forbearance due to COVID-19 and enrolled in the HAF program.

3. Payments Ahead of Schedule but Incorrectly Reported : Despite these issues, I have made payments consistently, even ahead of schedule ( XXXX to 6 months in advance ). As of XX/XX/XXXX, my payments are up to date through XX/XX/XXXX. However, despite this, my payment history has been inaccurately reported to the credit bureaus, showing missed payments. 

4. Why I was been reported as late to the credit Bureaus I also received a voucher from Loan Care to pay {$3300.00} for XXXX, XXXX, and XXXX of XXXX. 
All were paid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
So as seen from above, Loan Care is engaged in a Very Bad Fraudulent and Unethical Financial practice towards some of us who does not understand mortgage process and taking advantage of us since the COVID. 

I have attempted to resolve these issues directly with XXXX XXXX XXXX multiple times, but have not been able to reach a satisfactory resolution. 
I am now seeking your help to address these concerns and prevent further damage to my credit and financial well-being. If necessary, I am prepared to take further legal action, but I would prefer to resolve this matter amicably with your assistance. 

Thank you for your time and attention.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
FRAUDULENT ACCOUNT CAPITAL ONE BANK USE ACCT # : XXXX OPENED : XX/XX/year> BAL : XXXX I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am requesting the deletion of the debt reported by XXXX XXXX XXXX from my credit report due to a significant error. The amount reported was {$43000.00}, while the actual amount owed was only {$26000.00}. This incorrect reporting has been on my credit report for over a year, causing numerous denials and severe distress. The false reporting has greatly impacted my financial opportunities and creditworthiness. I respectfully request that this error be corrected by deleting the inaccurate entry from my credit report completely. 

Thank you for your prompt attention to this matter.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
I formally demand that the Consumer Financial Protection Bureau ( CFPB ) take immediate action regarding IQ Data International Inc. 's continued and unlawful reporting of inaccurate information on my credit report. Despite previous disputes and attempts to rectify this matter, IQ Data International Inc. has failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, by reporting erroneous, outdated, or unverifiable information.

As per the FCRA, furnishers of credit data are required to report only accurate and complete information. However, IQ Data International Inc. has failed to provide adequate verification of the alleged debt and continues to report false information, causing significant financial and reputational harm. This constitutes a clear violation of federal law, and as such, I demand : 1.Immediate cessation of all inaccurate reporting related to this matter.

2. An investigation into IQ Data International Inc.s compliance with the FCRA regarding its reporting practices.

3. A written confirmation stating that the inaccurate information has been removed from all consumer reporting agencies.

Should this matter not be resolved within 30 days, I will have no choice but to escalate the issue further, including filing formal complaints with the Federal Trade Commission ( FTC ), initiating legal action, and seeking damages for willful noncompliance. 

Please provide written confirmation of the actions taken to correct this matter. I expect your prompt attention to this issue and trust that the CFPB will uphold its duty to enforce consumer protection laws.

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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request the removal of all unknown addresses associated to identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities.

I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 
XXXX 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
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: FL

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 ( CFPB ). 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 to appropriate redress for these violations.

Company response to consumer: Closed with explanation
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: MI

Complaint narrative:
I am filing a complaint against Cash App ( Square , Inc. ) regarding a disputed transaction for an item I never received. 

Transaction Details : Date of Transaction : XX/XX/XXXX Amount : {$90.00} Merchant : XXXX Item : Infrared Fireplace Cash App : Case # XXXX I purchased an infrared fireplace from XXXX XXXX XXXXXXXX through Cash App on XX/XX/XXXX. Despite multiple attempts to contact the seller, the item was never delivered, and no tracking information was provided. When I filed a dispute with Cash App, they denied my claim, stating that the merchant had " fulfilled their obligation. '' However, since the item was never received, this claim is false. 

I provided Cash App with evidence that the merchant did not deliver the item, but they refused to reverse the payment. 
Cash Apps partner bank ( XXXX XXXX  ) will not engage due to their policies, leaving me with no recourse. 
The companys lack of consumer protection for fraudulent transactions violates fair business practices. 
I am requesting the CFPBs intervention to ensure Cash App follows proper dispute resolution practices and refunds my money for this undelivered purchase. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would appreciate it if you could swiftly remove the fraudulent entries from my credit report this time since I already file a complaint way back due to this situation, as well as take the necessary steps to correct any inaccuracies or fraudulent activities. I have attached documents from the relevant authorities to support my claims.

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