vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Disputes have been previously disputed with no end results. Please see XXXX XXXX XXXX visit report dated XX/XX/year>. The document states by XXXX XXXX XXXX that I am experiencing memory loss and slurring of my words and repeating myself. The doctor told me this is a symptom of early onset dimetia. I have previously stated in all of my disputes to XXXX and XXXX about my memory loss. I advised previously that all of the collection agencies on listed on all credit bureaus of my memory problems and I can not remeber if any of these account are mine. I have been previously defrauded on credit cards from my previous marriage over 20 years ago. In previous disputes to all of the collections listed on my credit report I have requested proof that I agreed and signed a document stating that I requested and received the credit cards in question. I have also previously requested proof that for every purchase on all of the purchases on the listed credit cards that I actually signed for each and every purchase made. I now respectfully request a copy of the forward flow agreement, chain of assignment, purchase agreement, insurance claim of debt, and my signature agreeing to pay. Without proof of the above requested documents I sincerely request that all collections be removed from all credit bureaus and all files are closed. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
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. cash app failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act. 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 2025-01-29 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: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXXXXXX XXXX XXXX XXXXXXXX Type : Credit Line Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. I want the credit bureau to provide me with the method of investigation that was used to validate this account. This account needs to be removed 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 2025-01-29 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: NC

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


Account : XXXXXXXX XXXX XXXX XXXX Type : Credit Line Amount : {$2100.00} Reason : This account does not belong to me. I did not authorize or verify opening of this account. I have submitted several disputes with the credit bureau requesting additional identifying information and the company has not provided any information that ties this account to me. I want the credit bureau to provide me with the method of investigation that was used to validate this account. This account needs to be removed 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 2025-01-29 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off on My Credit Report Under XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report. 

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : XXXX a thorough investigation of this item in compliance with XXXX XXXX. XXXX. 
Verify the validity of this charge-off directly with the original creditor. 
Remove the item from my credit report if it can not be verified or is found to be inaccurate. 
Laws Being Violated : XXXX XXXX XXXX XXXX : Protection of personal information. 
XXXX XXXX XXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX XXXX XXXX XXXX : Disclosure of privacy policies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accuracy of credit reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exclusion of certain transactions from credit reports. 
XXXX XXXX XXXX XXXX : Aggravated identity theft. 
These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report. 

Relevant Law : XXXX XXXX XXXX  This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( XXXX ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days. 

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response. 

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-01-29 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 contacted all three credit reporting agencies regarding items that werent mine on my credit report. I let them know that these particular items were due to identity theft. Each of the agencies gave me the same conclusion, in order to get rid of items on my report I needed to first begin a dispute and wait the allotted time as well as fill out an Identity theft report with the FTC. I did all of theses things supplied a copy of the report and the further told me I still had to wait for their investigational findings. After the results of their investigation came back there was still no change. Due to the present case that the CFPB just won in federal court concerning the lack of investigation on the part of both XXXX and XXXX I believe the same negligence or lack of investigation was repeated in my case. I gave all the required information proving what I said to be true along with CFPB complaints as well as my official reports from the FTC. I would just like for these items to be removed.

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 2025-01-29 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: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX and XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Student Loan Reporting Under FCRA & HEA To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report regarding a student loan account that has been incorrectly reported as late/missed/placed in collections. According to my records, all my student loans were in good standing and were paused due to the federal student loan forbearance program implemented under the Biden Administrations relief measures.

Account Details : Creditor/Loan Servicer Name : DP of EDUC Account Number : XXXX Type of Loan : [ Federal Student Loan / Private Student Loan ] Date of Reported Late Payment : XX/XX/XXXX Legal Violations : Violation of the Higher Education Act ( HEA ) 20 U.S.C. 1087e ( f ) : This law states that federally paused student loans should not have been reported as late or delinquent during the forbearance period.

If my loan was covered under this program, then any negative report is a clear violation of federal protections and must be removed immediately.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Loan servicers and credit bureaus are required to report only accurate and verifiable information.

Because my loan was paused under federal relief, any late payment reporting is factually incorrect and must be corrected or deleted.

Failure to Conduct Proper Investigation 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be removed from my credit report.

Requested Resolution : Given the federal laws protecting my student loan from improper reporting, I demand the following actions : Immediate deletion of the incorrect late payment or derogatory account information from my credit report.

Written confirmation that the disputed account has been corrected or removed.

Reissuance of my corrected credit report showing the removal of the negative mark.

Supporting Documents Enclosed : Copy of my credit report with the incorrect account highlighted Copy of any loan statements or correspondence proving my loan was in forbearance Copy of Biden Administrations loan pause policy for reference Please consider this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. Failure to correct this inaccurate reporting may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action for damages caused by this erroneous report.

Thank you for your prompt attention to this matter. Please provide a written response confirming the resolution.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Account Numbers : XXXX, XXXX, XXXX Midland Credit responded to my CFPB dispute stating they would remove all collections from my credit. However, they failed to do so. I have attached their letter confirming this but have been blocked from contacting them further. I demand these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery Partners, LLC
State: WA

Complaint narrative:
On XX/XX/year> I had an accident when I ran into a vehicle who stopped too fast for me to respond due to fallowing to close. On XX/XX/year> I went to court and agreed to terms. Afterwords i received a debt collection from XXXX XXXX XXXX XXXXXXXX XXXX recovery partners po box XXXXXXXX XXXX XXXX XXXX. 
Toll free XXXX Local XXXX and spoke to a agent by the name of XXXX XXXX and made an agreement to pay {$20.00} a month every month minimum payment which I did on around XX/XX/year> after i received the letter. I have sent another payment on around XX/XX/year> and a XXXX payment in XXXX/XXXX/2925. XXXX said if I make payments I wont go into default and wont send a letter to the state to suspend my license. She lied and mislead me. I makes payments as I agreed with her in good fail and she still sent a letter to wa state to be suspended and said they wanted more money then agreed on and then kept changing the final price. They also tried to make it look like I didnt make agreement and sent a new agreement they wanted me to sign after the broke out verbal contract. XXXX also told me i dont need to get a lawyers consultation because they it proves I have money if I speak to a lawyer. She also said not to reply to letter from the state for an administrative hearing/request interview to challenge the pending action against me that brown and XXXX submitted after I made payments to agreed price. Claim number is XXXX from the collection letter they sent me. This has created allot of stress and anxiety to me. I feel the mislead me, manipulated me and went against our agreement.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
Over the last two years, I have been diligently working to rectify the inaccuracies on my credit report. Each time I reach out to Experian and XXXX, I find that the dates of first delinquency are altered, causing some accounts to remain on my report for 10 to 15 years instead of the expected seven. The customer service experience has been frustrating ; they often assure me that they will return my calls but fail to do so, and the information they provide about the dates of last activity and delinquency is frequently inconsistent.

This continuous frustration is leaving me feeling trapped due to the inadequate service, lack of empathy, and poor treatment of customers.

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 2025-01-29 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. XXXX XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 explanation
Consumer complaint received 2025-01-29 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 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 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts have been reported inaccurately, and I request their removal from my credit file : Credence Resource XXXX XXXX XXXX XXXX I am requesting an immediate investigation into these accounts, as they appear to be erroneous and/or unverifiable. In accordance with the FCRA, if the disputed items can not be verified within 30 days, they must be deleted from my credit report.

Please provide me with written confirmation of your investigation and the resulting actions. If these accounts are verified, I request documentation proving their validity, including the original creditor information, signed agreements, and a complete payment history.

Thank you for your prompt attention to this matter. Please update me with the results of your investigation at the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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