vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: NCB Management Services Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Removal of Inaccurate Negative Reporting CFPB Complaint To Whom It May Concern, I am writing to formally dispute the validity of the debt you are reporting on my credit report. This erroneous reporting is severely impacting my ability to obtain necessary credit and secure stable housing for my family. Your actions constitute a violation of federal consumer protection laws, and I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities if it is not remedied immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide a consumer with a written notice of the debt within XXXX days of initial communication, allowing the consumer to dispute its validity. I have never received such a notice, nor was I given the opportunity to verify or challenge this alleged debt. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, mandates that furnishers of information to credit reporting agencies must ensure the accuracy and integrity of the data they report. Your failure to properly verify and notify me of this debt before reporting it is a clear violation of these consumer protection statutes. 
In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court reinforced that a debt collector can not assume a debts validity without substantiating documentation. Additionally, XXXX v. XXXX Creditors Ass'n, XXXX XXXX XXXX ( XXXX Cir. XXXX ), clarified that debt collectors must have a permissible purpose to report negative information. Given your failure to notify me and verify the debt, your reporting is not legally justified. 
Based on these violations, I demand the following actions immediately : 1. Cease all reporting of this debt to the credit bureaus ( XXXX, XXXX, and XXXX ). 
2. Provide documentation proving that I was properly notified and that this debt is valid. 
3. Immediately update my credit file to remove any derogatory information related to this debt. 
Failure to comply with these requests within XXXX  days will result in my filing a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will seek legal counsel regarding my rights under the FDCPA and FCRA. 
Please confirm in writing that this matter has been resolved, and all negative reporting has been deleted from my credit file. You may send your response to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
ON THIS DATE OF XX/XX/year> THIS ACCOUNT ( XXXX XXXX XXXX  XXXX ) DEBT ID XXXX AND DEBT ID XXXX HAS BEEN PAID IN FULL IN THE AMOUNT OF {$2600.00} AND {$1700.00} I HAVE ATTACHED A PAID IN FULL SETTLEMENT TO THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
It started XX/XX/year>. Which at least XXXX charges. I have dosputed cash app is denying them a day later wont say why or help me. They disconnect the chat after they say they will log my complaint. I asked for information on which decision was made they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
On my credit report, it says that my XXXX XXXX XX/XX/XXXX ending in XXXX has late payments totaling 60 days. This is false, and the account needs to be updated to pay as agreed. I have attached a copy of the confirmation email that was sent to me confirming that XXXX XXXX got my payment and this payment was made on time. Kindly see file attached showing that payment was processed before the closing statement date on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: MO

Complaint narrative:
On my credit report, it says that my XXXX XXXX XX/XX/XXXX ending in XXXX has late payments totaling 60 days. This is false, and the account needs to be updated to pay as agreed. I have attached a copy of the confirmation email that was sent to me confirming that XXXX XXXX got my payment and this payment was made on time. Kindly see file attached showing that payment was processed before the closing statement date on this account.

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 2025-03-05 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: CA

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 mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: Global Lending Services LLC
State: FL

Complaint narrative:
I am filing a formal complaint against Global Lending Services for inaccurately and unverified reporting of late payments on my credit report. Despite my previous attempts to resolve the issue, Global Lending Services has failed to provide the necessary documentation to verify the late payment under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666.

Violations Committed by Global Lending Services : Failure to Conduct a Proper Investigation ( FCRA 1681i ) Global Lending Services failed to verify the accuracy of the reported late payment within the 30-day investigation period required by law.

I have requested the documentation proving the validity of the late payment, yet Global Lending Services has not provided a detailed billing history, evidence of the due date, or proper notification of delinquency before reporting.

Failure to Provide Proper Notification Before Reporting ( FCBA 1666 ) The Fair Credit Billing Act mandates that creditors notify consumers of a delinquency before reporting a late payment to credit bureaus.

I did not receive any notification or written billing statement indicating that I was delinquent before this negative mark appeared on my credit report. 
Violation of XXXX XXXX Reporting Standards Global Lending Services is required to ensure accurate and complete data under the XXXX XXXX guidelines. 

Upon reviewing my credit report, I found inconsistencies in the reporting of the late payment across various credit bureaus, which constitutes a violation of FCRA accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased a certified bank check from my TD Savings account to pay the premium of my New York Life insurance XXXX. The check image does not contain all the necessary information as per check XXXX. TD Bank needs to provide all the necessary information on the back of this check which appears to be not endorsed and is missing payee account information date and time? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to file a complaint against Capital One Bank. On XXXX, my bank account was frozen without prior notice due to an internal investigation related to incoming XXXX transactions. The bank refuses to provide any time frame for the investigation or any details regarding the specific transactions under review. 

The most concerning issue is that Capital One has frozen all the money in my account, not just the disputed transactions. As a result, I am left without any funds to cover my living expenses. I have contacted the bank multiple times, but they refuse to provide any helpful information or timeline. 

I believe this action is unjust and abusive, especially considering that the bank is holding funds unrelated to the investigation. 

I request your assistance in resolving this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : XXXX  Adjustment Request for Late Payment Account Ending in XXXX Dear Bank of America Customer Service, I hope this letter finds you well. I am writing to formally request a goodwill adjustment for a late payment reported on my account ( ending in XXXX ). I take full responsibility for the late payment ; however, I would like to explain the circumstances and kindly request a one-time courtesy removal. 

From XX/XX/XXXX to XX/XX/XXXX, I was experiencing significant financial hardship, which unfortunately impacted my ability to make a timely payment. As a XXXX XXXX, I have faced unexpected financial challenges during this time, but I have since taken steps to stabilize my situation and ensure that all future payments are made on time. 

Prior to this, I have maintained a consistent history of on-time payments and have been a responsible account holder. This was an isolated incident, and I sincerely regret any inconvenience it may have caused. Given my long-standing positive relationship with Bank of America , I kindly ask for a XXXX  adjustment to remove this late payment from my credit report. This adjustment would greatly assist me in maintaining a strong financial standing as I continue to move forward. 

I truly appreciate your time eand consideration in reviewing my request. Please let me know if you need any additional information. Thank you for your support and for the valuable services you provide. 

Sincerely, 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 2025-03-05 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: VA

Complaint narrative:
I am writing to formally dispute an account listed on my credit report that I believe to be fraudulent. The account in question is with XXXX XXXX, and the account number is XXXX. 

I have no knowledge of this account, nor have I ever opened or authorized it. I believe this account is the result of identity theft or fraud. As a result, I request that TransUnion remove the fraudulent account from my credit report. 

I have once again included a FEDERAL TRADE COMMISSION IDENTITY THEFT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding cashapps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cashapp numerous times and reporting discrepancies, my financial institution and cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I paid this account in full with the intentions of having the account deleted from my credit report. The representative assured me that if I pay the letter of deletion, yet when it was paid In full, she gave me a letter saying I paid It but never confirmed that it will be deleted. She misrepresented information and its creating a credit report damage. I paid the debt in full and I want it 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 explanation
Consumer complaint received 2025-03-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my credit report. 

Please verify or remove immediately the following accounts : XXXXXXXX XXXX XXXX XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information Regarding Closed Accounts with Late Payments Dear Transunion, I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed under : XXXX XXXX - XXXX XXXX  - XXXX - This is not mine - please remove this inaccuracy from my report! 

XXXX  XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report! 

are closed and these reports are unjust and create significant obstacles to accessing credit and financial opportunities.

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 2025-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am filing this complaint against the credit bureaus for not investigating and not responding to my request for an investigation in 30 days. I noticed months ago that my credit report had multiple errors reporting and it is very important to me that it gets addressed immediately. I have contacted the furnishers of the information and am currently anticipating their response. The credit bureaus are guilty of multiple fcra violations and this needs to be addressed. My credit report needs to be fixed today.

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 2025-03-05 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: TX

Complaint narrative:
Hello, I am filing this complaint against the credit bureaus for not investigating and not responding to my request for an investigation in 30 days. I noticed months ago that my credit report had multiple errors reporting and it is very important to me that it gets addressed immediately. I have contacted the furnishers of the information and am currently anticipating their response. The credit bureaus are guilty of multiple fcra violations and this needs to be addressed. My credit report needs to be fixed today.

Company response to consumer: Closed with explanation