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: 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: TX

Complaint narrative:
I am disputing Experians improper handling of my credit report dispute regarding inaccurate and unverifiable information. I submitted a dispute to Experian regarding several accounts that are inaccurate, incomplete, or unverified. 

Experian responded on XX/XX/year> stating that the information was verified, yet they have failed to provide any actual documentation proving the validity of the account. Specifically, I requested proof of a contract with my wet signature or any legal documentation showing that I agreed to the debt and repayment terms. To date, I have not received any such proof. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and provide supporting documentation when verifying disputed information. By failing to provide proper documentation and merely relying on unverifiable data from the furnisher, Experian has violated my rights under the FCRA. 

I request that this inaccurate and unverified information be removed from my credit report immediately. Additionally, I am requesting a full investigation into Experians failure to conduct a proper dispute resolution process in accordance with the law. 

Please take action to ensure my consumer rights are upheld.

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 — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting Resurgent/LVNV Funding Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from Resurgent/LVNV Funding ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information.

Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information.

Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made. 
However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting on my credit report. These remarks have been detrimental to my life and credit health.

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: 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 customers financial protection act ( CFPA ) cash app fail to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was trying to sell a XXXX XXXX on XXXX XXXX and my customer paid me {$60.00} through Zelle and Zelle said that because he was sending the money through business account to a personal account he would have to send an additional {$500.00} and he did he never received his refund I was on the phone with Zelle for XXXX hours and I have proof of audio recording the only way he could get his money back I had to zelle and XXXX XXXX {$500.00} plus an additional {$500.00} and her excuse was that there was a problem with the system. They called my bank multiple times I was scammed out of $ XXXX {$1500.00} and they refunded me XXXX but they still wanted me to send them more money through crypto it was not an issue until they asked me to provide them my username and password to my bank account. I told him that I would give them my routing and account number, but I refuse to provide them with my username and password

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: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
capitol one bank blames XXXX XXXX  AND VICE VERSA, and I'm the victim,,,, {$20000.00} was transferred and each blames the other

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: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Date Opened : XX/XX/XXXX Balance : {$18000.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Charged off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$500.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Date Opened : XX/XX/XXXX Balance : {$18000.00} Charged off XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Charged off XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$500.00} Charged off Inquiries in Dispute : 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On different occasions I have disputed the collection account of XXXX XXXX XXXX XXXX that erroneously appears on my TRANSUNION credit report without having an effective response to the request, and I even made an identity theft report that I also sent but it is observed by TRANSUNION that they did not carry out an efficient investigation to determine that those accounts that appear on my XXXX XXXXXXXX XXXX XXXX credit report do not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other companies XXXX and that is why I request that these erroneous accounts that appear in TRANSUNION be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information below is the wrong information shown on TRANSUNION. XXXX XXXX XXXX XXXX Remove from my credit reportXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove from my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Remove from my 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 2025-02-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XXXX, I took out a consumer payday loan with Check N ' Go. I was making regular payments until I was out of work for an extended period of time, I relocated to make a better life for myself and during that time I lost both of my parents along with being without income. 

I was threatened by a third party that XXXX and Check N Go used who refused to provide me with any information, I was making payments to avoid court, etc., I have been through multiple job losses since XXXX of XXXX and I have been unemployed for XXXX coming up in XXXX. 

I am currently homeless without a vehicle, no job, and no support as my family disowned me for being a member of the XXXX XXXX. 

I have no peers around me as they used me for their enjoyment and my expense. I suffer greatly from XXXX  XXXX  issues that involve me taking 5 medications that I can barely afford to pay for along with everyday essentials. 

I received a call from XXXX XXXX  XXXX ( who also called an estranged relative that I do not get along with and threw me out for being XXXX ) on behalf of the State of Florida today regarding subpoena service, I explained to the paralegal who is a XXXX  ILLITERATE UNEDUCATED PERSON WHO NEEDS TO GO BACK TO SCHOOL TO LEARN PROPER ENGLISH, ETC THAT I DO NOT HAVE THE MONEY TO PAY NOR WILL I HAVE THE MONEY ANYTIME SOON EVEN WITH A JOB I AM NOT IN A FINANCIAL POSITION TO PAY AS I AM IN A MOUNTAIN OF DEBT WITH NO CAR, NO JOB NOR A PLACE TO LIVE. XXXX AND CHECK N GO AS WELL AS ANY PARTIES INVOLVED HAVE SERIOUSLY VIOLATED MULTIPLE FDCPA LAWS. THEY ARE ALSO NOT AWARE THAT THEY PAST THE STATUE OF LIMITATION IN BOTH STATES OF FLORIDA AND DELAWARE TO SERVE ME ANY DOCUMENTATION, ETC.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Here is the list of fraudulent 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 XXXXXX/XX/year>

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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX , PA XXXX Experian, XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC , XXXX XXXX XXXX XXXX, GA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that was fraudulently opened in my name due to identity theft. 

Please remove late payments fraudulently accounts : XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges. 

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID. 
2. A copy of a recent utility bill ( to verify my address ). 
3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ]. 
Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, 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 non-monetary relief
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 information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been severely impacted by Equifaxs noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), which has resulted in Equifaxs improper reinsertion of disputed items and failure to conduct reasonable investigations into reported inaccuracies. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XX/XX/XXXX, citing Equifaxs failure to properly investigate consumer disputes, remove incorrect information, and prevent reinsertion of previously deleted errors. My case falls squarely within the pattern of noncompliance outlined in the lawsuit. As a result, Equifaxs actions have harmed my ability to obtain credit, secure employment, and pursue housing opportunities. 
Accordingly, I demand an immediate and thorough investigation into the following disputed accounts and inquiries, as required under the FCRA ( 15 U.S.C. 1681i ). If these items are not verified with legally sufficient evidence within 30 days, they must be permanently removed from my credit file. 
Disputed Accounts : 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 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 ( Unauthorized ) Additionally, I requests the deletion of the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX, GA XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Equifax is required to conduct a reasonable investigation and remove any information that can not be verified. Failure to comply will result in further legal action, including but not limited to, a formal complaint with the CFPB and potential litigation. 
A copy of the CFPBs lawsuit against Equifax is attached for reference. Please confirm receipt of this dispute and provide a detailed response within the legally mandated 30-day period. If Equifax fails to take corrective action, we will pursue all available legal remedies to protect my rights.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is reporting inaccurate information and needs to be deleted. This account has been sold multiple times and continues to change names such as XXXX XXXX. This account was also took to court with the judge ruling in my favor and dismissal of the debt. The court noticed this debt was open in the state of Georgia which I dont live. Equifax still continues to report this account as accurate which is false and against my rights. I have sent multiple dispute letters to Equifax regarding inaccurate information on my credit report. Despite providing evidence, Exquifax has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Equifax has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : Equifax has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Equifax has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Equifax has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against XXXX and Equifax on XX/XX/year> titled " CFPB Sues XXXX for Sham Investigations of Credit Report Errors. '' According to the CFPB, XXXX and Equifax has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
Equifax failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. I will have all my supported documents attached to this CFPB Complaint.

Company response to consumer: Closed with non-monetary relief