vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I sent letters to the debt collection agency and only received more collection letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Data Mortgage Inc.
State: IL

Complaint narrative:
I have sent your company a request to verify a list of accounts. 
My date of birth is XXXX and my social security number is XXXX. 
I received a response from you and it states that you verified no change, new information below, the verified item belongs to you : XXXX - XXXX - date opened and last active is inaccurate - open date, payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) Delete account off credit report Please provide me with the name, address, and phone number of the creditor of this information. I am also requesting a description of your investigation, what is the process that you took to obtain this information. I do not want a generalized list of steps you generally take, but instead of a detailed history of how you received this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-18 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: PA

Complaint narrative:
Experian had willfully violated my right under the Fair Credit Act and has failed to follow reasonable procedures to assure maximum possible accuracy of the information concerning me the consumer on my credit report. Instead, Experian has sent back frivolous letters not properly investigating disputes and fails to remove errors on reports. I have sent several letter disputing information. please see attachments.

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 2025-03-18 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I was a Victim of Identity Thief and Fraudulent Schemes from XXXX. My Personal Information was compromised and sold on the dark web. I applied for a Lease and the Imposter sent and application, I applied and sent all requested documents. These Documents Included all my Personal Information/Banking Account Numbers/ Copy of my SSN Card/ Driver 's License, Residential information from the past 5 years. I filed a Police Report, but wasn't able to retrieve the rental Deposit of {$2500.00} XXXX deposited Into the XXXX XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FactorTrust, Inc.
State: SC

Complaint narrative:
The case XXXX XXXX XXXX XXXX XXXX ( 2016 ) emphasizes the necessity of concrete and accurate reporting under the FCRA. Additionally, [ 15 USC 1681s-2 ( a ) ( 1 ) ] mandates consumer reporting agencies to maintain accurate records. Please ensure my consumer report is corrected accordingly. 
Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered an inaccurate late payment reported on my XXXX account ( Account Number : XXXX ). All payments have been made on time, making this late payment notation incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the data they report, and knowingly reporting incorrect information violates this law. My account has never been late, yet the credit bureaus have reported discrepancies : TransUnion and Experian incorrectly list a XXXX late payment for XX/XX/XXXX and XX/XX/XXXX, while XXXX inaccurately XXXX XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. I request verification of compliance with 15 U.S. Code 1666b, which requires that periodic statements be delivered at least 21 days before the due dateplease provide the periodic statement and tracking number confirming delivery. I have attached my credit report highlighting these inaccuracies. Since all payments have been made on time, I request these errors be corrected within 15 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems/TSI PUT {$370.00} ON MY CREDIT TOLD THE COMPANY NOT MY ACCOUNT WAS TOLD BY REP PAY {$300.00} TO DELETE OFF CREDIT I PAID IT CAUSE IT WAS DAMAGING MY CREDIT. TSI SAID ACCOUNT WILL BE DELETED AND TAKEN OFF CREDIT CREDIT BUREAU TSI LIED BEFORE TAKING ANY LEGAL ACTION MY ATTORNEY AND I WILL BE DOING A THOROUGH INVESTIGATION ON THIS FRAUDULENT ACCOUNT I HOPE TRANSWORLD SYSTEMS IS NOT FALSIFYING ACCOUNT OPEN DATES JUST TO PUT BACK ON PEOPLE CREDIT WITH MEANS REFURBISHING ACCOUNT DATES TO SHOW CURRENT BUT THE ACCOUNT IS REALLY OUT OF THE STATUE OF LIMITATIONS. TSI HAS HORRIBLE REVIEWS AND EVERYBODY ON THE REVIEWS ARE SAYING ALMOST THE SAME THING. THIS COMPANY NEEDS TO BE STOPPED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
XXXX. We started the mortgage process with Popular Bank around end of XX/XX/year>. We closed on XX/XX/XXXX. Throughout the loan process, we were told that if we open a checking account we would receive a discount of 0.125 % on the mortgage rate, so we opened a checking account with the bank. However on the date of closing we found out they didnt apply the discounted rate. We were told on the phone that there is nothing they could do as its some error in their backend system. This forced us to go with the pre-discount rate, since we had to close on that date. 
2. Also throughout the loan process, we were told repeatedly that we could pay a lump sum towards the principal and do a recast after the loan is closed. After the loan is closed, our loan is sold to XXXX, which is another loan service provider. When we request the recast request, we were told by XXXX that the request was denied by Popular Bank. It has been 2 weeks, and there is just constant going back and forth between the two companies, always asking us to contact the other party, and we still havent completed the recast.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AZ

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX  : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XX/XX/XXXX MOHELA/DOFED XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XX/XX/XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX XXXX : {$0.00} XXXX BANK XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  FINCL XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX HARD I XX/XX/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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> Subject : XXXX XXXX XXXX Communication Regarding Alleged Debt To Whom It XXXX Concern, I am formally requesting, in writing, that you cease all communication with me except via the mailing address noted in this letter. You are prohibited from contacting me via phone, email, social media, my place of employment, or any credit reporting agencies. The only acceptable communication from you is to provide the requested information below or to confirm that this alleged debt has been deleted or updated as instructed. 

Please provide the following documentation : XXXX. Name and address of the alleged creditor. 
XXXX. Name on file for the alleged debtor. 
XXXX. Alleged account number. 
XXXX. Date the alleged debt became payable. 
XXXX. Amount of the alleged debt. 
XXXX. Confirmation of whether this alleged debt was purchased or assigned to your agency. 
XXXX. XXXX paid if the debt was purchased. 
XXXX. Commission amount if collection efforts are successful. 

Failure to comply with this request will be considered a violation of my rights under the Fair Debt Collection Practices Act ( XX/XX/XXXX) and XXXX result in legal action against your agency. 

Sincerely, XXXX XXXX : XXXX XXXX XXXX, All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have sent your company a request to verify a list of accounts. 
My date of birth is XX/XX/1976 and my social security number is XXXX. 
I received a response from you and it states that you verified no change, new information below, the verified item belongs to you : BK OF AMER - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s- 2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date, wrong amount, or reported late when it was on time ), they must correct it. Delete account off credit report Please provide me with the name, address, and phone number of the creditor of this information. I am also requesting a description of your investigation, what is the process that you took to obtain this information. I do not want a generalized list of steps you generally take, but instead of a detailed history of how you received this information.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-18 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 ( 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Inaccurate report not consistent with all XXXX credit reports

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
This agency is trying to collect money that I dont know XXXX and XXXX they keep on resetting the dates before it was XXXX years ago. Its XXXX years ago. I dont understand whats going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inaccurate and unfair reporting of a late payment on my credit report associated with the account number XXXX This late payment is completely unacceptable and unjustified. I demand that you investigate this matter immediately and take corrective action to remove this derogatory mark from my credit report without delay. 

AVANT LLCXXXX XXXX XXXX XXXX XXXX XXXX  ) Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that any information reported to the credit bureaus is accurate and verifiable. The reported late payment is erroneous, and unless you can provide concrete and documented proof that this payment was indeed late including a detailed payment history you are required to delete this negative mark immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one account shows XXXX missed payments. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX my account hap been on auto pay during these XXXX payments. I have bank statement 's showing I made payments for these months. These inaccurate late payments are making my credit score low and making it hard for me to get my life in order and its very upsetting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CT

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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