vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
On XX/XX/year> XXXX XXXX connected me to verify a bank account that was being used to pay on my credit card. It was not my bank and I have previously contacted XXXX XXXX about two credit cards that were missing and to send out new ones. I never received new cards, instead XXXX XXXX did not close down my two cards and someone got ahold of them and was using my credit and paying payments with their bank account. 
I opened up a fraud case on that same day. 
On top of my two credit cards someone had opened a XXXX credit card in my name. After the investigation, XXXX XXXX said they were sending me credit checks for the balance but would not reissue me my original credit cards. They said I didn't qualify due to my credit. Which they reported to the credit bureau that I had closed my accounts which I did not. So, because I had identity theft going on, I was the one how lost my good credit and XXXX  XXXX wont ' even grant me my two credit cards back and to correct the credit report issue. 
I have called XXXX XXXX so many times without ever getting anywhere with them. I talked to a XXXX at XXXX on XX/XX/year> which she said they were mailing me out a check, and to correct my credit report. 
On XX/XX/year> I mailed a certified letter to the XXXX XXXX Investigation team with no conclusion to this problem. 
I can't even get a credit card now since this and I had been working hard getting my credit cleaned up because I was working towards buying a home which I can no longer do at this point in time. 
As of now, I have contacted XXXX XXXX over a dozen times with anything being resolved. they would just say the same lines every time I called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
Subject : Formal Dispute and Request for Permanent Deletion of XXXX XXXX Account Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and validity of the following account that appears on my TransUnion credit report : Creditor : XXXX XXXX XXXX Account Balance : {$29000.00} Under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I am requesting that this account be permanently removed from my credit file due to potential violations of my rights. Specifically, I am disputing this account based on the following legal grounds : 1. FCRA ( 15 U.S.C. 1681 et seq. ) This statute mandates that all information reported to consumer reporting agencies must be accurate, verifiable, and fairly reported. If the data furnisher can not provide legally sufficient validation, the account must be removed. 

2. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy of Consumer Financial Information ) This law restricts how financial institutions share consumer data. If my information was shared or reported without proper disclosure or my consent, this account may have been reported unlawfully.

3. 31 U.S.C. 5118 This statute addresses legal tender obligations, which may be relevant in verifying whether this debt has been settled or otherwise satisfied in compliance with federal monetary laws.

I am requesting that XXXX conduct a full investigation into this account and provide me with : Proof of the original contract with my signature Documentation verifying the amount owed and legal authority to collect Evidence that this account was reported in full compliance with all consumer protection laws If XXXX XXXX XXXX can not provide verifiable documentation within the required 30-day investigation period under the FCRA, I demand that TransUnion immediately delete this account from my credit file and provide me with written confirmation of its removal. 
If this matter is not resolved in accordance with federal law, I will not hesitate to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights. 

Please send me written confirmation of the results of your investigation at the address above. If you require additional information from me, please contact me in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-19 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: Experian Information Solutions Inc.
State: CA

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 seven 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 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 2025-03-19 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: OH

Complaint narrative:
Subject : Formal Dispute and Request for Permanent Deletion of XXXX XXXX Account Dear Equifax Dispute Department, I am writing to formally dispute the accuracy and validity of the following account that appears on my Equifax credit report : Creditor : XXXX XXXX XXXX Account Balance : {$29000.00} Under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws, I am requesting that this account be permanently removed from my credit file due to potential violations of my rights. Specifically, I am disputing this account based on the following legal grounds : 1. FCRA ( 15 U.S.C. 1681 et seq. ) This statute mandates that all information reported to consumer reporting agencies must be accurate, verifiable, and fairly reported. If the data furnisher can not provide legally sufficient validation, the account must be removed. 

2. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy of Consumer Financial Information ) This law restricts how financial institutions share consumer data. If my information was shared or reported without proper disclosure or my consent, this account may have been reported unlawfully.

3. 31 U.S.C. 5118 This statute addresses legal tender obligations, which may be relevant in verifying whether this debt has been settled or otherwise satisfied in compliance with federal monetary laws.

I am requesting that Equifax conduct a full investigation into this account and provide me with : Proof of the original contract with my signature Documentation verifying the amount owed and legal authority to collect Evidence that this account was reported in full compliance with all consumer protection laws If XXXX XXXX XXXX can not provide verifiable documentation within the required 30-day investigation period under the FCRA, I demand that Equifax immediately delete this account from my credit file and provide me with written confirmation of its removal. 
If this matter is not resolved in accordance with federal law, I will not hesitate to escalate this issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to enforce my rights. 

Please send me written confirmation of the results of your investigation at the address above. If you require additional information from me, please contact me in writing. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CT

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 2025-03-19 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute. 
3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-03-19 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX {$4900.00} XXXX XXXXXXXX XXXX XXXX  is missing information. According to the law you must report both complete and accurate information. This is neither. 
There is a charge off showing XX/XX/XXXX- still a charge off XX/XX/XXXX. This is an inaccuracy. This is illegal. Charge offs are done once not every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-03-19 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: WI

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and correct inaccurate information on my credit report. I recently disputed [ describe the inaccurate information, e.g., an incorrect account, fraudulent activity, outdated negative marks ] with Experian, providing supporting documentation to prove the inaccuracy. Despite this, Experian failed to conduct a thorough investigation and wrongfully verified the inaccurate information as correct. 
I sent them a letter to verify the information on XX/XX/year>XXXX  they failed to provide me with a proper investigation.

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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: ME

Complaint narrative:
This is the second time this has happened, and the second time im filing a complaint. I had XXXX of my payments reversed before, and now it has happened a second time. This time, I made a payment on XXXX in the amount of {$690.00}, and it was " reversed '' on the same day. I also had received an email confirming that my payment had successfully gone through. I have already called customer service and was told the same thing as the first time, that it had to be something wrong on my end, which is impossible. And now that it has happened a second time, I am beyond frustrated. I still have not heard back from this company about my first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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