vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: OH

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: FL

Complaint narrative:
Due to the false and unverified late payments being reported on my credit file, I have been denied credit, higher limits, and financial opportunities. 

This violates 15 U.S.C. 1681o, which allows consumers to seek damages for negligent reporting of inaccurate credit information.

If these unverified late payments are not immediately deleted, I will be pursuing legal action for financial harm caused by their negligence.

Violations Committed by the Credit Bureaus : 15 U.S.C. 1681o Consumers have the right to seek damages for inaccurate reporting.

15 U.S.C. 1681i ( a ) Credit bureaus must verify or delete, yet they continue to report inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Request the errors recorded by Bank of America , N.A . ( BOFA ) on the Deed of Trust to be corrected. Otherwise, it appears to be fraud - actions of double-dipping, falsifying documents, etc. 

I had a loan with BOFA for almost 14 years ( Loan Account # XXXX ). Then under XXXX XXXX ( XXXX ) in XX/XX/XXXX, I was instructed to start paying XXXX XXXX XXXX 

I had a loan with BOFA for almost 14 years ( Loan Account # XXXX ). Then under XXXX XXXX ( XXXX ) in XX/XX/XXXX, I was instructed to start paying XXXX XXXX XXXX 

I recently just received " XXXX '' Deeds of Trust that BOFA recorded on " XXXX '' different occasions with the XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX - both in XXXX. The XXXX Deeds of Trust have XXXX individually new mortgage account numbers : 1. Loan Account # XXXX ( recorded XX/XX/XXXX ) AND 2. Loan Account # XXXX ( recorded XX/XX/XXXX ) Both Deeds of Trust identify the original terms set with my ex and me back on XX/XX/XXXX - like we still owe the original principal sum of {$540000.00} and interest. Neither Deeds of Trust identify the true terms that changed in XX/XX/XXXX under BOFA that include, but not limited to, solely having me as the debtor, decreasing the principal sum to {$320000.00} and canceling the FHA insurance received under a BOFA Department of Justice loan forgiveness modification. As a result of the agreement set forth between BOFA and me, I solely received a IRS 1099-C form from BOFA, cancelling and discharging debt of {$410000.00} in principal. I have never been late with a payment. 

The " XXXX '' Assignments of the DT that MUST BE CORRECTED are formally between Bank of America, NA, the Assignor, and Assignee ( XXXX ) : ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( recorded XX/XX/XXXX with XXXX XXXX XXXX by XXXX XXXX XXXX, Collateral Document Services ) NOTE : XXXX XXXX XXXXXXXX XXXX XXXX is the sole owner trustee for XXXX XXXX Securities XXXX XXXX at the c/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AND XXXX XXXX ) XXXX XXXX XXXX XXXX ( recorded XX/XX/XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX, Collateral Department ) The errors recorded by BOFA on the Deeds of Trust must to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Everything has been payed off in full on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information and Request for Removal Dear XXXX and XXXX, I am writing to formally dispute the accuracy of certain information on my credit report as permitted under the Fair Credit Reporting Act ( FCRA ). I have recently become aware of the lawsuit involving XXXX and XXXX and the implications it has on the accuracy of the information provided by your agencies. 

According to the FCRA, specifically 15 U.S.C. 1681i, I have the right to dispute information in my credit report that I believe is inaccurate or incomplete. Furthermore, your agencies are required to investigate the disputed information within 30 days and notify me of the results. However, given the recent legal rulings and the urgency of correcting inaccuracies, I am requesting that you expedite the investigation process and remove the disputed accounts within five days, as I believe they are erroneous. 

The specific accounts I am disputing are as follows : XXXX. XXXX XXXX  15 U.S. code 1681 ( e ) / 15 U.S. Code1681 ( i ) chargeoffs XXXX. XXXX XXXX XXXX Number 15 U.S. Code 1681 ( n ) 15 U.S. Code 1681 ( b ) inquires XXXX. XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( e ) / 15 U.S. code 1681 ( I ) chargeoffs I have attached copies of relevant documents that support my claim, which include [ list any supporting documents, such as payment receipts, correspondence, etc. ]. 

As per 15 U.S.C. 1681i ( a ) ( 1 ), I expect your agencies to conduct a thorough investigation and respond to my dispute in a timely manner. If the information can not be verified, I request that it be removed from my credit report immediately. 

Please acknowledge the receipt of this letter and outline the actions you will take regarding my dispute. Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ]

Company response to consumer: Untimely response
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 an 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX GA XXXX ] [ XXXX ] XXXX [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX Georgia XXXX ] Subject : Dispute of Civil Liability for Negligence Non-Compliance with Section 1681O Dear CFPB I am writing to formally dispute the allegation of civil liability for negligence under Section 1681O, as outlined in the notice I received from your office dated [ insert date of the notice ]. I believe this claim is unjustified and wish to present the following grounds for my dispute : Non-Compliance with Section 1681O According to Section 1681O of the relevant statute, a party may be held liable for negligence if they fail to comply with specific regulatory requirements. I assert that I have adhered to all applicable requirements, and there is no evidence supporting the claim that I failed to comply with the stated obligations. 

Factual Inaccuracy The notice you have issued suggests that [ specific action or inaction ] has led to the breach in question. However, this assertion is based on inaccurate or incomplete information. [ Describe the factual inaccuracies in the allegation, including any steps you took to comply or prevent non-compliance. ] Mitigating Circumstances If any issues related to compliance arose, I would like to highlight that [ provide any mitigating circumstances, such as technical difficulties, delays beyond your control, or any good-faith efforts to resolve the matter ]. 

Lack of Proper Notice It is also my belief that proper notice or adequate opportunity to rectify any alleged issues was not given, which is a required component of compliance under the relevant legal framework. 

Given the above, I respectfully request that you reconsider the assertion of negligence under Section 1681O and withdraw the claim for civil liability. I would appreciate the opportunity to discuss this matter further to reach a resolution. Please provide any additional documentation or evidence that supports your claim for review.

Please confirm receipt of this letter and notify me of your next steps. I look forward to your prompt response. Please remove the following items from my credit report immediately. XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX GA XXXX ] [ XXXX ] XXXX [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX Georgia XXXX ] Subject : Dispute of Civil Liability for Negligence Non-Compliance with Section 1681O Dear CFPB I am writing to formally dispute the allegation of civil liability for negligence under Section 1681O, as outlined in the notice I received from your office dated [ insert date of the notice ]. I believe this claim is unjustified and wish to present the following grounds for my dispute : Non-Compliance with Section 1681O According to Section 1681O of the relevant statute, a party may be held liable for negligence if they fail to comply with specific regulatory requirements. I assert that I have adhered to all applicable requirements, and there is no evidence supporting the claim that I failed to comply with the stated obligations. 

Factual Inaccuracy The notice you have issued suggests that [ specific action or inaction ] has led to the breach in question. However, this assertion is based on inaccurate or incomplete information. [ Describe the factual inaccuracies in the allegation, including any steps you took to comply or prevent non-compliance. ] Mitigating Circumstances If any issues related to compliance arose, I would like to highlight that [ provide any mitigating circumstances, such as technical difficulties, delays beyond your control, or any good-faith efforts to resolve the matter ]. 

Lack of Proper Notice It is also my belief that proper notice or adequate opportunity to rectify any alleged issues was not given, which is a required component of compliance under the relevant legal framework. 

Given the above, I respectfully request that you reconsider the assertion of negligence under Section 1681O and withdraw the claim for civil liability. I would appreciate the opportunity to discuss this matter further to reach a resolution. Please provide any additional documentation or evidence that supports your claim for review.

Please confirm receipt of this letter and notify me of your next steps. I look forward to your prompt response. Please remove the following items from my credit report immediately. XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX Sincerely 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 2025-02-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
On XX/XX/XXXX, I made a complaint with the CFPB complaint # XXXX for the company American Profit Recovery , Inc . I successfully had this information removed from all XXXX of my consumer reporting files due to their committing of a prior violation. 

On XX/XX/XXXX, American Profit Recovery , Inc. is a attempting to re-age this account by sending a bill. They did not furnish " Forward Flow Agreement '' or " Chain of Assignment. '' Please note that Consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), prohibit illegal re-aging of accounts, which involves manipulating the date of last activity to extend the time negative information remains on a credit report. These laws ensure that creditors report accurate information and protect consumers from unfair practices. 

I have filed yet another report to the Federal Trade Commission as this matter needs to be thoroughly investigated. My statement to the FTC : FTC XXXX Report Statement is as Follows : American Profit Recovery , Inc. has repeatedly attempted to connect me to an account that does not belong to me. I have exhausted all efforts known to me to have them to furnish proof of how they came to obtain my private information, and that they are in violation of my rights, and that they are to cease and desist, and to not unlawfully report this inaccurate and fraudulent information on any of my consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am writing to formally request a complete discharge of all student loans and interest accrued on my credit report and studentaid.gov account due to breach of privacy and misuse of my educational information and access to unauthorized individuals without my permission. Under FERPA, I have the right to privacy and accurate record-keeping regarding my educational history. On XXXX, my personal, financial and educational information was accessed without my permission or knowledge of what it is being used for. ln accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records that were improperly accessed by the Doge agency, which is a direct violation of record-keeping or data misuse. 2. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. Including a permanent deletion of accessed reported loan amounts or disbursements. I request written confirmation of the findings of this review within 30 days of receipt of this letter.

Company response to consumer: Untimely response