vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescrib

ed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I am filing this complaint because my auto loan lender mis disclosed my down payment and is charging interest based on an inflated Amount Financed, violating 15 USC 1638 ( a ) ( 2 ), 15 USC 1638 ( a ) ( 7 ), 15 USC 1605, 15 USC 1026.4 ( Regulation Z ), and potentially 16 CFR 433.2, 15 USC 1662, 15 USC 1602, and 15 USC 1603. My Retail Installment Contract, signed XX/XX/XXXX, with XXXX XXXX XXXX XXXX ( assigned to Westlake Financial Services ), states in the Truth-in-Lending Disclosure a down payment of {$500.00}, finance charge of {$2600.00}, Amount Financed of {$8400.00}, Total of Payments of {$11000.00} ( 48 monthly payments of {$230.00} starting XX/XX/XXXX ), and APR of 13.89 %. 
On XX/XX/XXXX, I paid {$2500.00} as a down payment ( I have a receipt from XXXX XXXX XXXX XXXX ), not {$500.00} as disclosed. Since then, Ive paid an additional {$4700.00} through monthly payments as of XX/XX/XXXX ( approximately 20 payments of {$230.00} ), totaling {$7200.00}. The contracts {$500.00} down payment disclosure is incorrectmy {$2500.00} payment should reduce the Amount Financed to {$6400.00} ( {$8400.00} - {$2000.00} ), lowering the interest owed. Instead, Westlake is charging interest on {$8400.00}, inflating the finance charge beyond whats fair. My {$230.00} payments include {$2600.00} in interest, but with the correct Amount Financed, interest should be lower ( e.g., ~ {$2000.00} at 13.89 % over 48 months ). 

This violates : 15 USC 1638 ( a ) ( 2 ) & ( a ) ( 7 ) : TILA requires accurate disclosure of the Amount Financed and down payment. Misstating {$500.00} instead of {$2500.00} inflates the loan and interest. 
15 USC 1605 ( a ) & 1026.4 : The finance charge is overstated due to the incorrect Amount Financed, misrepresenting the cost of credit. 
16 CFR 433.2 : Westlake must honor defenses against XXXX XXXX XXXX mis disclosure. 
15 USC 1662 : If advertised terms omitted this discrepancy, its misleading ( suspected ). 
15 USC 1602/1603 : This consumer loan isnt exempt ; TILA applies, and violations suggest illegality. 
My {$7200.00} paid exceeds the adjusted principal of {$6400.00}, yet Westlake demands {$11000.00}. These violations render the contract illegal due to fraudulent misrepresentation. Im attaching my contract, receipt, and payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-19 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:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-19 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I lost my identity a while ago and when I learned about credit and pulled my report I noticed this account that is incorrect and I did not open the account. I would like the account removed and updated please.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lost my identity a while ago and when I learned about credit and pulled my report I noticed this account that is incorrect and I did not open the account. I would like the account removed and updated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FORD MOTOR CREDIT CO.
State: MS

Complaint narrative:
I sent in a formal Demand For full disclosure and a certified accounting of the consumer credit transaction associated with my retail installment sales contract under the above reference account # XXXX Based on my research and review of public records. I have reason to believe that Ford Credit has engaged in fraudulent and deceptive financial practices, including but not limited to : 1. Failure to provide full disclosure pursuant to the the truth in lending act 15 USC 1601 et seq all material facts of the transaction, including securitization activities, must be disclosed to the consumer.ford credit has failed to disclose that my signed contract was monetized, pooled, traded, and sold to third parties for profit. 2.Violation of Uniform Commercial Code 3-104, UCC 3-603 and UCC- 3-305 The RISC operates as a negotiable instrument and a promissory note under UCC Law upon my wet ink signature. It became an asset that ford credit transferred for Value yet no consideration was provided to me after I had extended my credit that financed the sale ; thereby voiding any valid contract.3. Fraudulent inducement and Concealment under U.S. v Throckmorton, 98 US 61 ( 1878 ) which states fraud vitiates all contracts. Ford Credit misrepresented this transaction as a loan when in fact my own credit wa monetized and transferred without my knowledge or consent. Since I didn't received any notice of repossession and Ford credit did fact unlawfully Repo my vehicle as well I submitted a battery of documents including My UCC-1 and UCC-3 Financing Statements Addendum and copy of 1099a and 1099c Cancellation of Debt that was accepted and discharged by IRS. These are in fact violations of federal lending and securities laws. Ford Credit was sent a Demand Return the Vehicle they failed to honor which is violations as Trespass on my property under UCC Laws. Ford Credit Also traded my RISC CONTRACT to Federal Reserve Discount Window and received additional payment for the Vehicle. My extension of credit by my signature paid in full for the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
can you please have Experian update my correct address and erase all the other XXXX addresses on there Current address XXXX XXXX XXXX XXXX XXXX Indiana 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 2025-03-19 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:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: DISCOVER BANK
State: NY

Complaint narrative:
I had credit card debt with discover card and XXXX XXXX  ( target red card ). Spoke to them a few months ago ( probably around XXXX or XX/XX/XXXX ), said they would reduce the cost of the debt owed. I agreed to the reduced amount, however, I have not been working due to a fall that I had back in XXXX and could not pay the reduced cost, when I thought I could. Next, I receive a letter in the mail from an attorneys office, XXXX and XXXX saying I am being taken court if I do not pay the amount stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX XXXX  Balance {$700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2300.00} Open Date XX/XX/XXXX 2023

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 2025-03-19 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: IL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. 
Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. 
XXXX XXXX XXXXXXXX - I was never late on this item - update account to current XXXX XXXX XXXXXXXX - The number of late payments are not reporting correctly - 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( A ) Creditors must update accounts accurately. If you paid an account on time but it shows late, this must be corrected. 15 U.S.C. 1681e ( b ) The credit bureau must verify that reported data is accurate. If it can not be verified, it must be removed. 
XXXX XXXX XXXX XXXX XXXXXXXX - date opened and last active is inaccurate - 15 U.S.C.

1681e ( b ) to demand that the bureau ensures maximum accuracy. If the account details are inconsistent or incorrect, it must be removed. 
XXXX  - XXXX - cant state paid and derogatory in the status - 15 U.S.C . 1681e ( b ) to demand that the bureau ensures maximum accuracy. If the account details are inconsistent or incorrect, it must be removed. 
XXXX - XX/XX/year> - I did not authorize this inquiry? - Delete this inquiry due to Violation of 15 USC 1681b 15 U.S.C. 1681b ( a ) ( 3 ) A credit bureau can not list an inquiry unless there is a permissible purpose 15 U.S.C. 1681b ( f ) If an inquiry appears without your consent, it is unauthorized and must be deleted immediately That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
I take my credit very seriously and your lack of professionalism and assistance disgusts me. I am well aware of my rights under the FCRA and intend to pursue them to the maximum I am anticipating your immediate response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
No customer service number to contact. Communication was random email and very slow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
SEE ATTACHMENT According to FCRA 611, a consumer reporting agency may not reinsert previously deleted information unless : 1. The furnisher certifies the accuracy and completeness of the information.

2. The consumer is notified in writing within 5 business days of the reinsertion.

3. The consumer is provided with the furnishers name, address, and contact details.

4. The consumer is informed of their right to dispute the reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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 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 2025-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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