vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Removal of Inaccurate Credit Items from Experian, TransUnion, and Equifax Dear CFPB Representative, I am writing to formally dispute inaccurate and unfair negative items listed on my credit reports with Experian, TransUnion, and Equifax. These items include late payments, charge-offs, and collections that are either incorrect, unverifiable, or outdated. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and removal of these accounts from my credit reports. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion Experian [ XXXX XXXX ] Account # [ XXXX ] Equifax Experian [ XXXX XXXX XXXX ] - Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX ] - Account # [ XXXX ] Transunion Equifax [ XXXXXXXX XXXX  ] Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX ] # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax Under XXXXhe FCRA ( 15 U.S.C. 1681 ), credit reporting agencies must ensure that all reported information is accurate, fair, and verifiable. Additionally, the FDCPA prohibits debt XXXX from reporting inaccurate, unverified, or obsolete accounts. If the listed creditors and collection agencies can not provide documented proof verifying the accuracy and legitimacy of these accounts, I demand their immediate removal from my credit reports. 

I request that the CFPB intervene to ensure Experian, TransUnion, and Equifax comply with federal law and correct these inaccuracies. I have attached copies of my credit reports highlighting the disputed accounts, along with any supporting documentation. 

I request a written response regarding the results of your investigation within 30 days, as required by law. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Removal of Inaccurate Credit Items from Experian, TransUnion, and Equifax Dear CFPB Representative, I am writing to formally dispute inaccurate and unfair negative items listed on my credit reports with Experian, TransUnion, and Equifax. These items include late payments, charge-offs, and collections that are either incorrect, unverifiable, or outdated. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request an immediate investigation and removal of these accounts from my credit reports. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion Experian [ XXXX XXXX ] Account # [ XXXX ] Equifax Experian [ XXXX XXXX XXXX ] - Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX ] - Account # [ XXXX ] Transunion Equifax [ XXXXXXXX XXXX  ] Account # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX ] # [ XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax [ XXXX XXXX XXXX XXXX XXXX XXXX ] Transunion Experian Equifax Under XXXXhe FCRA ( 15 U.S.C. 1681 ), credit reporting agencies must ensure that all reported information is accurate, fair, and verifiable. Additionally, the FDCPA prohibits debt XXXX from reporting inaccurate, unverified, or obsolete accounts. If the listed creditors and collection agencies can not provide documented proof verifying the accuracy and legitimacy of these accounts, I demand their immediate removal from my credit reports. 

I request that the CFPB intervene to ensure Experian, TransUnion, and Equifax comply with federal law and correct these inaccuracies. I have attached copies of my credit reports highlighting the disputed accounts, along with any supporting documentation. 

I request a written response regarding the results of your investigation within 30 days, as required by law. Your prompt attention to this matter is greatly appreciated.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint on Cash app ( block ink ) due to in adequate customer services and unfair practices that violate the CFPA. Specifically Cash App failed to take timely affective manners to prevent fraudulent activity address it on their platform which left my account, vulnerable, and unprotected therefore making the dispute resolution process unfair and deceptive, for they did not follow the error resolution require requirements under the EFTA and reregulation E these actions have caused significant financial loss and an extreme inconvenience and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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, theyre dispute 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My credit information was exposed in a Data Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
My credit information was exposed in a Data Breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Dear Resurgent/LVNV Funding, I am writing to request a copy of IRS Form 1099-C for the canceled debt associated with my account. Below are the account details : Account Name : Resurgent/LVNV Funding Account Number : XXXX Original Creditor : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XXXX Charge-Off Amount : {$1400.00} If this debt qualifies for IRS reporting, please send me a copy of Form 1099-C. If no 1099-C was issued, please provide a written explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
As a regular user of the Zelle app and a member of XXXX XXXX, I am deeply concerned about the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Zelle and its affiliated banks. I rely on Zelle for convenient and secure financial transactions, trusting that my personal information and funds are adequately protected. However, the allegations of mishandled disputes, inadequate fraud prevention, and potential exposure of users funds and data have raised serious concerns about whether my own transactions or account information have been compromised. 

Given the severity of the claims, I am particularly worried about the possibility of financial loss or the misuse of my sensitive information. As a user, I expect transparency and robust safeguards from both Zelle and XXXX XXXX, and I feel that I deserve to be included in any settlement or remediation effort to ensure my rights and security are addressed. 

I would like to be kept informed about the status of the lawsuit and any steps being taken to resolve these issues, and I would like to know how I can formally participate in the settlement to recover any potential losses or damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-08 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:
This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) that you the XXXX XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity, theft, and fraud within four business days of you receiving this complaint this fraudulent and inaccurate and false information consist of a false apartment. Lease opened in 2023 XXXX I have attached a copy of FTC identity theft criminal complaint.XXXX As proof from US Federal Trade Commission that all the aforementioned consumer, credit accounts, collections and hard inquiries are the result of identity, theft, and fraud.

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 2025-02-08 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: NY

Complaint narrative:
I had reported that I did not make the account because I was incarcerated at the time. I told the that it had to be someone that had my personal information. However they verified it as being my account and ask me if I filed a police report. I asked if it would make a difference being that the account was closed in XXXX and it is now 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
I checked my XXXX credit report and noticed that on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX has a medical debt that is affecting my credit score. I read that CFPB had a rule that medical debt couldnt show on your credit report, but they refuse to take it off. I have disputed the account twice with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against Cash App ( Block, inc. ) due inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measure 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 thesis violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am tiling 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are address on my account that I never lived at. There are old accounts that should be taken off my credit report. I have been denied 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 explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
My information was Breached XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$660.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$750.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
1.XXXX bal . {$120.00}

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 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an unverified and inaccurate rental debt that I do not owe. While I signed a lease, I never took possession of the unit, and the collection agency has failed to provide legally sufficient validation of this debt under FDCPA ( 15 U.S.C. 1692g ). 

Despite my dispute, XXXX XXXX XXXX did not provide key pickup records, a signed move-in inspection report, or utility bills in my nameall of which are necessary to prove I occupied the unit and incurred financial liability. Additionally, under Louisiana Civil Code Article 2704, the landlord was required to mitigate damages by making reasonable efforts to re-rent the unit before charging me for the full lease term. The collection agency has not provided any proof that the unit remained vacant, making their attempt to collect {$4200.00} in accelerated rent potentially unlawful. 

Instead of proper validation, they sent a generic ledger of charges without explaining how they calculated the balance or justifying the fees they are trying to collect. They also failed to provide documentation proving that the debt was legally transferred to them for collection. 

This debt is unverified, inaccurate, and being reported in violation of federal law. I request that the CFPB investigate and require XXXX XXXX XXXX to delete this account from my credit report immediately. If they can not fully validate the debt, they must cease collection efforts and remove the negative reporting.

Company response to consumer: Closed with explanation