vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Subject : Dispute of Inaccurate Information Under Section 1681o of the FCRA Dear Sir/Madam, I am writing to file a formal dispute concerning inaccurate information on my credit report, pursuant to Section 1681o of the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report and found the following entry to be incorrect : Account Information to Dispute Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reported Issue : Inaccuracy of reported information Reason for Dispute : The financial institution, Experian has engaged in billing practices that violate consumer rights as established under Law 1081O. I was charged fees that were not clearly disclosed at the time of agreement and have not been adequately explained upon my request for clarification.

I am requesting that the inaccurate information be investigated and corrected in accordance with my rights under Section 1681o of the FCRA. I believe the information reported to the credit bureaus is incorrect, and as such, it is affecting my credit score and ability to access credit. 

Please note that I have already attempted to resolve this matter directly with the credit reporting agencies, but the issue remains unresolved. I am now requesting your assistance in investigating this matter further. 

In line with Section 1681o of the FCRA, I kindly request that the CFPB review this issue and help facilitate the necessary corrections to my credit report. Please provide written confirmation of your actions and findings. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-03-15 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
in accordance with Fair Credit Reporting act. The list of accounts below has violated my federally. protected consumer and confidentiality under 15 USC 1681XXXXXX/XX/XXXXALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES. NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
date XX/XX/year> I receive a collection letter from Aaron Agency inc saying that I have to pay XXXX for XXXX XXXX that I did not do or use, the name is XXXX XXXX XXXX with account number XXXX, in the letter said that I own that money from XX/XX/XXXX XXXX but I did not use their services and I don't know why they charging me this money for something I did not use can u please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App Block Inc. due to inadequate customer service and unfair practices which violates 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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 


Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I went in and removed my extra principal amount to lower my morgage payment amount for my monthly draft that was to come out of my checking but they raised the amount still and never removed the principal amount from the final draft amout and there still showing where i changes it through the app. 

This is wrong and i am reporting this and i will call them monday and report this as well as look in to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
XXXX XXXX ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion incorrectly reports a 30-day late payment for XXXX and XX/XX/XXXX and XX/XX/XXXX. 
* Experian incorrectly reports a 30-day late payment for XX/XX/XXXX and XX/XX/XXXX. 
* Equifax inaccurately reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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:
XXXX XXXX ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law. 

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion incorrectly reports a 30-day late payment for XXXX and XX/XX/XXXX and XX/XX/XXXX. 
* Experian incorrectly reports a 30-day late payment for XX/XX/XXXX and XX/XX/XXXX. 
* Equifax inaccurately reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX of 2024 a XXXX XXXX employee fraudulently used my name and address to pretend to open a credit card account without my consent, nor with my social security number to get a bonus for herself as a XXXX XXXX perk. My wife and I repeatedly told her no numerous times as I have excellent credit and didnt wanted to open any new account at all at the moment. She did it anyways without my consent with just my ID, I immediately got an alert on my phone and asked for a manager. He advised me to contact XXXX  XXXX  and tell them what just happened cause at that point it was out of the stores hands, which I did. XXXX  XXXX  acknowledge the fraudulent and sent over a letter to Equifax for the hard inquiry removal. XXXX XXXX told me to wait 30 days and it should be removed for my credit report. Equifax is refusing the removal of the hard inquiry even with the request from XXXX XXXX  and through my dispute. 
I also have the copy of the letter from XXXX XXXX  stating for that hard inquiry removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NJ

Complaint narrative:
Equifax has constantly reduced my score every month even though my payments from the last 6 months or more are 100 percent on time, but they only give me 96 percent credit. These constant deductions of my score will keep me homeless, as Im constantly trying to increase my score. Every month even if I get an increase in score afterwards I would get a large deduction in score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I received notification that iam being sued in my county by the court system by Absolute Resolutions Investments, which is XXXX XXXX XXXX  That both companies have been banned by they FTC for fraudulent misleading customer and banned in the XXXX looks this up I will be hiring a Attorney And proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete credit information on my credit report. I am concerned that you have included the following inaccurate details, and I demand that you verify the information under reasonable procedures to ensure maximum accuracy. Credit reporting agencies are required by law to report only 100 % accurate information. If the following items can not be verified as accurate, they must be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a )
( 1 ) ( A ), you are required to verify the accuracy of the information by providing physical proof of the original signed consumer contract. If no such proof exists, you must delete the account from my credit report immediately. Please send all responses via mail or email in a timely manner. 
I request verification of the following : A copy of the original signed consumer contract with my signature on it. 
Proof that the reported debt is valid and belongs to me. 
Additionally, the following accounts negatively impact my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me with a copy of the verifiable contract, please remove these accounts from my credit file immediately. 

XXXX ) EQUIFAX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) EXPERIAN * XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) TRANSUNION XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$530.00} ( Last Updated XX/XX/XXXX ) Since this information is inaccurate or unverifiable, I request that these accounts be deleted from my report immediately. 

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 explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete credit information on my credit report. I am concerned that you have included the following inaccurate details, and I demand that you verify the information under reasonable procedures to ensure maximum accuracy. Credit reporting agencies are required by law to report only 100 % accurate information. If the following items can not be verified as accurate, they must be removed immediately. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a )
( 1 ) ( A ), you are required to verify the accuracy of the information by providing physical proof of the original signed consumer contract. If no such proof exists, you must delete the account from my credit report immediately. Please send all responses via mail or email in a timely manner. 
I request verification of the following : A copy of the original signed consumer contract with my signature on it. 
Proof that the reported debt is valid and belongs to me. 
Additionally, the following accounts negatively impact my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide me with a copy of the verifiable contract, please remove these accounts from my credit file immediately. 

XXXX ) EQUIFAX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) EXPERIAN * XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$480.00} ( Past Due Amount : {$480.00}, Last Updated XX/XX/XXXX ) XXXX ) TRANSUNION XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Charge-off ( Closed as of XX/XX/XXXX ) Balance : {$530.00} ( Last Updated XX/XX/XXXX ) Since this information is inaccurate or unverifiable, I request that these accounts be deleted from my report immediately. 

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 2025-03-15 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:
Equifax is allowing this account to report on my consumer report with incomplete inaccurate payment history and account details. Payments history reports on time for XXXX, XXXX, XXXX of XXXX, then states late 60 days for XX/XX/year> then one time for XX/XX/year> which is impossible because if I was on time for XXXX, XXXX, XX/XX/year> then how would I be late 60 days in XX/XX/year>. Account also reports Date of last payment XX/XX/year>, but also reports on time payment for XX/XX/year> which is after XX/XX/year> so thats inaccurate. This account has been deleted from XXXX and XXXX due to these inaccuracies and Equifax refuses to do an actual review of inaccuracies and delete this account. Per the FCRA I am entitled to statutory damages of {$1000.00} per violation, along with punitive damages and attorney fees. Please see attachments for account screen shots, proof of deletions from other bureaus, and drivers license and utility bill for proof of identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Glory LLC
State: TX

Complaint narrative:
On XX/XX/year>, I was mislead and deceived by Credit Glory credit repair company out of {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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 writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation