vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: MO

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DELETE HARD INQUIRIES INMEDIATLY PLEASE. THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : DELETE HARD INQUIRIES INMEDIATLY PLEASE. THANKS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-07 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company 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 2025-02-07 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXX/XX/XXXXXXXX, IA XXXX **Subject : Formal Dispute of Inaccurate Credit Reporting by Equifax ( CDIA Guidelines ) ** To Whom It May Concern, I am writing to formally dispute inaccuracies in my Equifax credit report regarding the account XX/XX/XXXX XXXX ( XX/XX/XXXX ) **. The reported information violates the Consumer Data Industry Association ( CDIA ) guidelines and the Fair Credit Reporting Act ( FCRA ), which mandate accuracy and fairness in credit reporting. 

**Account Details in Dispute : ** - **Account Name : ** XXXX XXXX, XXXX - **Account Type : ** Secured Loan - **Account Status : ** Closed ( XX/XX/XXXX ) - **Reported Balance : ** {$0.00} ( Paid in Full ) **Specific Inaccuracies : ** 1. **Invalid 90-Day Late Payment Mark : ** The report states Times 30/60/90 Days Late : 0/0/1, despite the account being **closed in good standing** on XX/XX/XXXX, and marked Nice! Youve paid off 100 % of this loan. A paid-off account can not logically have a 90-day delinquency.

2. **Inconsistent Reporting Dates : ** The account was closed in XXXX, yet it is listed as Last Reported XX/XX/XXXX. Post-closure reporting beyond XXXX is impossible and violates CDIA standards for timely updates. 

3. **Payment History Errors : ** The payment history table ( XXXX ) includes ambiguous symbols ( and ) labeled Current and No Data, with no clarification. The Last Payment Status and Worst Payment Status fields also show No Info, contradicting the 97 % on-time payment claim.

**Requested Actions : ** - **Immediate Removal** of the 90-day late mark and all derogatory notations. 
- **Correction** of the Last Reported Date to reflect the closure date ( XX/XX/XXXX ). 
- **Full Investigation** into XXXX XX/XX/XXXXs reporting practices under CDIA Metro 2 guidelines, which require furnishers to report complete, accurate, and verifiable data.

**Supporting Evidence Attached : ** 1. Screenshots confirming account closure, {$0.00} balance, and payment history.

2. Documentation of the erroneous 90 Days Late and inconsistent reporting dates.

Under the FCRA, Equifax must conduct a reasonable investigation and correct or delete unverifiable information within 15 days. Failure to comply may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 tal timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-02-07 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: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and misleading information appearing on my credit reports, generated on XX/XX/year>. Pursuant to 15 U.S.C. 1681o, I am holding the furnishers and credit reporting agencies accountable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), which has resulted in unjust harm to my creditworthiness.

I am disputing the following accounts due to inaccurate, unverifiable, or misleading reporting that negatively impacts my credit. XXXX XXXX XXXX account ( Account # XXXX ) is reported as at least 120 days past due with a past due amount of {$1300.00}, yet it contains erroneous late payments and balance inconsistencies. Under FCRA, the furnisher must provide verification or delete the inaccurate information. XXXX XXXX XXXX XXXX account ( Account # XXXX ) is listed as closed with XXXX late payments, yet these late payments are inaccurately reported. If XXXX can not verify the accuracy, this record must be corrected or removed. XXXX XXXX XXXX account ( Account # XXXX ) is marked as closed with XXXX late payment, but the report contains unverified negative payment history that should be removed. 

Under 15 U.S.C. 1681o, a consumer reporting agency or furnisher is liable for damages if it fails to comply with the FCRA due to negligence. My disputes are based on violations including failure to maintain accuracy under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the accuracy and completeness of consumer credit files ; failure to investigate under 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation within 30 days ; and failure to provide verification under 15 U.S.C. 1681s-2 ( b ), which requires data furnishers to provide complete and accurate information or remove unverifiable items.

I request immediate removal or correction of the disputed negative accounts if they can not be properly verified. I also request a detailed written response within 30 days outlining the investigation findings and compensation for any damages caused by negligent reporting, including financial hardship and credit score impact.

I request that the Consumer Financial Protection Bureau intervene to enforce compliance with the FCRA and hold the reporting agencies and furnishers accountable for negligent noncompliance. I expect a written response within 30 days, as required by law. Please confirm receipt of my dispute and provide me with updates on the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: DC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and misleading information appearing on my credit reports, generated on XX/XX/year>. Pursuant to 15 U.S.C. 1681o, I am holding the furnishers and credit reporting agencies accountable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), which has resulted in unjust harm to my creditworthiness.

I am disputing the following accounts due to inaccurate, unverifiable, or misleading reporting that negatively impacts my credit. XXXX XXXX XXXX account ( Account # XXXX ) is reported as at least 120 days past due with a past due amount of {$1300.00}, yet it contains erroneous late payments and balance inconsistencies. Under FCRA, the furnisher must provide verification or delete the inaccurate information. XXXX XXXX XXXX XXXX account ( Account # XXXX ) is listed as closed with XXXX late payments, yet these late payments are inaccurately reported. If XXXX can not verify the accuracy, this record must be corrected or removed. XXXX XXXX XXXX account ( Account # XXXX ) is marked as closed with XXXX late payment, but the report contains unverified negative payment history that should be removed. 

Under 15 U.S.C. 1681o, a consumer reporting agency or furnisher is liable for damages if it fails to comply with the FCRA due to negligence. My disputes are based on violations including failure to maintain accuracy under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the accuracy and completeness of consumer credit files ; failure to investigate under 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation within 30 days ; and failure to provide verification under 15 U.S.C. 1681s-2 ( b ), which requires data furnishers to provide complete and accurate information or remove unverifiable items.

I request immediate removal or correction of the disputed negative accounts if they can not be properly verified. I also request a detailed written response within 30 days outlining the investigation findings and compensation for any damages caused by negligent reporting, including financial hardship and credit score impact.

I request that the Consumer Financial Protection Bureau intervene to enforce compliance with the FCRA and hold the reporting agencies and furnishers accountable for negligent noncompliance. I expect a written response within 30 days, as required by law. Please confirm receipt of my dispute and provide me with updates on the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I finally claim against cash app due to in adequate customer service and unfair practices violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to address fraud on their platform, leaving account vulnerable, and unprotected furthermore this dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX 2. XX/XX/XXXX 3. XXXX 4. XXXX 5. 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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
On XX/XX/XXXX I received civil suit paperwork from XX/XX/XXXX. The suit was filed by a XXXX XXXX XXXX of Velocity Investment LLC. XXXX XXXX is attorney working in the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. The original creditor is XXXX. I have no idea who XXXX XXXX is I have never received any paperwork from XXXX XXXX stating he obtained this account to collect a debt. The only communication I have received from XXXX XXXX is the filed lawsuit paperwork Docket # XXXX. The only paperwork I have received concerning this account was a settlement notice through email from the office of XXXX and XXXX dated XX/XX/XXXX and the court paperwork that was filed XX/XX/XXXX in the city of XXXX SC that I knew nothing about until XX/XX/XXXX when I received a letter in the mail to pickup a civil suit paperwork for the magistrate court of XXXX SC. On XX/XX/XXXX I contacted the only contact information I had which was XXXX and XXXX through email and was told they no longer handled 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 2025-02-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: NE

Complaint narrative:
I went to purchase a vehicle on the website, which told me I was preapproved by their financing to get. I found a vehicle that I wanted to purchase and therefore started the process of buying the vehicle. I submitted the down payment that they required and also the shipping fee which they also required for the vehicle. Then I went and got insurance on the vehicle as that was part of the requirement to get the vehicle. After submitting that information I got a notice that more documents were required upon checking which documents they needed. It said that I needed to bring my current account current before I can get the loan to reach their financing company called. I called XXXX and made two payments on a car that I had already voluntarily submitted for repossession as stated by their disclaimer that it needed to be paid and current before I could get the vehicle. After doing so I submitted documents showing that I had paid two payments on that car to bring it current and not behind. The next day I logged in to see the status of the vehicle and it still said pending so when I called the company, they told me that I actually couldnt buy the car because the financing was not approved because of a repossession on my vehicle I asked them why then did it state that I needed to pay to make it current if I couldnt get another vehicle which they said they couldnt answer. Then they told me that it could take up to 15 days to refund the money that they had taken from my account the same day for a vehicle that I wasnt even approved to purchase. I told him this was unacceptable because I needed that money to actually be able to try to go get a car as I need one for work to which they told me there was nothing they could do about it. The practice was deceitful making it seem like I needed to make two payments on a car that I no longer owned to be able to buy a new one when in fact, there was never going to be an ability to purchase a new vehicle because of that repossession the company knew this, but still went through with the demand that I make that account current and still took my money for the new vehicle, even though I wasnt approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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