vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management Inc. on my credit report. The account details are as follows : Account Opened : XX/XX/XXXX Balance : {$690.00} Reported as of : XX/XX/XXXX Status : Placed for collection I have repeatedly disputed this debt with both Midland Credit Management and the credit bureaus. However, despite my disputes, they continue to report inaccurate and unverified information. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full debt validation. I sent a formal request, but Midland Credit Management has failed to provide proper documentation proving the validity of this debt or their right to collect it. 
This incorrect reporting is negatively impacting my credit score and financial standing. Despite my efforts, Midland Credit has not provided any proof that I owe this debt or that they have the legal right to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX  through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Im writing you today to make a complaint against Equifax Information Services LLC. I have tried several different monitoring sites and spent a lot of money paying those sites and I can not see my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Experian responded to my CFPB complaint on XX/XX/XXXX, stating that they are still working on my issue. However, this delay is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I originally submitted my dispute in XX/XX/XXXX, including : XXXXA police report confirming I am a victim of identity theft.

-A notarized identity theft affidavit in accordance with the FCRA XXXX 
-Additional supporting evidence proving the fraudulent account does not belong to me. 

Despite providing all legally required documentation, Experian has failed to remove the fraudulent account from my credit report. Instead, they have delayed their response without taking corrective action, which violates 15 U.S.C. 1681i of the FCRA, requiring credit bureaus to conduct a reasonable reinvestigation within 30 days. 

Additionally, I am aware that the CFPB has recently filed a lawsuit against Experian for failing to properly investigate consumer disputes, reinserting inaccurate information, and violating the FCRA. This lawsuit further proves that Experian has a pattern of failing to handle consumer disputes properly and supports my claim that they are ignoring federal consumer protection laws. ( CFPB Lawsuit Against Experian )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, Equifax & XXXX XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668.

Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: U.S. BANCORP
State: CA

Complaint narrative:
My house was burned down in the XXXX XXXX XXXX. My insurance company approved my claim and sent me the claim check addressed to myself and US bank, the mortgage lender. The claim check is for a rebuild. This was all explained on the phone to XXXX XXXX, who is in the Mortgage Service department, specifically the claims department. I called to ask how to deposit the check and when I could access the funds. XXXX XXXX said the following needed to be done before funds were dispersed : ( 1 ) me to sign the check and mail it to his department ( 2 ) He asked for the adjuster report ( which I have ) ( 3 ) complete floor plans ( 4 ) the contractor to provide a complete list of materials used and estimates. I explained the mail system here is in chaos and if I could go into a branch instead ( given the large sum ). He said no, which is not true. I said complete floor plans required hiring an architect, obtaining city approval and city fees to be paid, which would take months. Those points also holds for the contractor. He said I would have to pay out of pocket. I asked for a copy of the written policy, he said there was none and to listen to his words. My mortgage is half of the claim amount and when I asked why only 33 % would be dispersed first, he said 'that is how it is '' and when I asked for the written policy, he said there was none. I asked how the remaining amounts was to be dispersed and he said they have no policy on how the remaining amounts were dispersed. I was not satisfied with his responses so I called CFPB and learned that initial dispersement of funds needs to be done before any work begins.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed that EXPERIAN, XXXX and XXXX illegally allowed collection agencies has reported this debt to my consumer report. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provide written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and the debt collectors listed below including the original contract between me ant mentioned debt collectors within 15 days of receiving this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. Done in good faith-All Rights Reserved-Without Prejudice-Non Assumpsit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 5 0.2 have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violations.

1

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I came across the CFPB Experian lawsuit I feel I was negatively impacted XXXX hurting my chance at credit after receiving a response to my earlier dispute that the account were verified. 

Come with the receipts, or be quick to delete 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 2025-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank has refused to reinstate my HELOC loan. They had suspended my loan more than a year ago. Recently I applied to have my HELOC reinstated, in their refusal letter they wrote that my loan can't be reinstated because of " Delinquent or past due credit obligations with others ''. When I called them to provide details as to whom I am delinquent with they refused and told me to check with credit reporting agency.

I need to know from PNC Bank who is the creditor and how much for which I am delinquent so that if that is the case I can remedy the issue and have my HELOC loan reinstated. Without that information I am unable to allay their concern upon which my HELOC loan reinstatement is denied. I presume they know the creditor to whom I am delinquent with upon which they based their decision to deny my reinstatement of HELOC.

During this ordeal, they still have my primary residence under lien. 

I request that CFPB compel PNC Bank to disclose this information so that I can remedy the concern of their for which they have denied reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
o Whom It May Concern, I am filing a formal complaint against [ Credit Bureau ] for ongoing non-compliance with federal consumer protection laws and failure to properly investigate, validate, or address disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests over the past year, as well as filing complaints with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), no meaningful action has been taken to resolve my concerns. Instead, Experian has continuously delayed, stalled, and failed to properly investigate the issues raised. 

The failure to validate or correct the inaccurate information reported against my credit profile has had severe adverse financial impacts and continues to cause significant harm to my credit standing. Additionally, the reporting of false and unverified information is detrimental, misleading, and potentially fraudulent. I have repeatedly requested validation of the negative accounts appearing on my report and provided supporting documentation, yet Experian has failed to take corrective action. 

I have filed formal complaints with the CFPB on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now again on XX/XX/XXXX. However, no corrective action has resulted from these filings. In addition, my personal information remains inaccurate on my credit report, despite submitting the necessary documentation to update and correct my records. 

This ongoing failure to investigate and resolve disputes constitutes willful non-compliance and a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am formally requesting the immediate deletion of all negative, unverified, and inaccurate accounts from my credit profile and an update to my personal information to reflect accurate records. 

Failure to comply with these legal obligations may result in further action against [ Credit Bureau ] for its continued violations. I expect a prompt response and resolution to this matter.

Sincerely, Concerned Consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding multiple unauthorized transactions on my Cash App account, as well as the ongoing lack of support and resolution from your customer service team. 

Over a period of time, I have experienced several instances where funds were withdrawn from my account without my authorization and transactions were not processed correctly. Despite my repeated efforts to contact Cash Apps customer support, I was met with automated responses, no meaningful resolution, and a complete lack of assistance from a live representative. 

Not only has this caused me significant financial loss, but the stress and frustration of being ignored and left without any support have also caused emotional distress. It is unacceptable for a financial service provider to fail to protect its users from fraudulent activity and then refuse to offer assistance when issues arise. Additionally, I have received threats of account closure rather than solutions to my concerns, which only exacerbates the situation. 

As a loyal user of Cash App, I expect a fair resolution. I am formally requesting : 1. A thorough investigation into the unauthorized transactions on my account.

2. A full refund for any unauthorized charges.

3. Clear communication and accountability from Cash App regarding these issues. 

If this matter is not addressed promptly, I will be left with no choice but to escalate my complaint to consumer protection agencies, such as the Better Business Bureau ( BBB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I hope to avoid further action by resolving this matter amicably. 

Please provide a response within XXXX business days regarding how Cash App intends to address my concerns. I can be reached at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I've marked as inaccurate ( XXXX XXXXXXXX XXXX ) DATE : XXXX XXXX ( XXXX XXXX XXXX ) DATE : XXXX XXXX ( XXXX  XXXX  ) DATE : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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