vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
FDCPA Violation for Incorrect Address** Your company has repeatedly used the address XXXX XXXX XXXX XXXX ny XXXX for correspondence, which is not my current or former address. This constitutes a violation of the FDCPA in the following ways : a. Failure to Provide Proper Validation Notice Under FDCPA 1692g ( a ) debt collectors must send a written validation notice to the consumers *correct* address within five days of initial communication. By using an incorrect address, you have obstructed my ability to receive this legally mandated notice, violating my right to dispute the debt under 1692g ( a ) b. Deceptive or Misleading Representation Using an incorrect address constitutes a false, deceptive, or misleading representation in connection with debt collection, violating FDCPA 1692e. This includes : - 1692e ( 2 ) ( A ) : False representation of the debts character, amount, or legal status.

- 1692e ( 10 ) : Use of deceptive means to collect or attempt to collect a debt.

c. Unfair Practices Continuing to use an incorrect address after being notified of its inaccuracy is an **unfair practice** under **FDCPA 1692f, as it imposes barriers to my ability to exercise my rights.

3. Demand for Immediate Action To resolve this matter, I demand the following actions within **30 days** of receipt of this letter : 1. **Correct my address** in your records to : 2. **Cease all collection efforts** until you validate the debt as required by law.

3. **Remove all inaccurate information** related to this debt from my credit reports ( if reported ), per **FCRA 1681i ( a ) **.

4. **Confirm in writing** that you have complied with these demands and detail the corrective steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I contested the debt though XXXX and they claimed to have verified the debt, however they gave no information about the investigation nor how they came to the determination that I owned the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 records of 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-29 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: CT

Complaint narrative:
I reviewed my Consumer Reports and noticed that l had XXXX late payments on an occount that l was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( Enter Account Name ) : XXXX XXXX ( Enter Account Number ) XXXX Please Investigate and provide Proof with statements showing that these payments were late. It proof co n't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks,

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 2025-01-29 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: CT

Complaint narrative:
I reviewed my Consumer Reports and noticed that l had XXXX late payments on an occount that l was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( Enter Account Name ) : XXXX XXXX ( Enter Account Number ) XXXX Please Investigate and provide Proof with statements showing that these payments were late. It proof co n't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays shows up negatively on my credit report even though my owed balance says I owe XXXX dollars. 
I have disputed this transaction many times as well as called repeatedly but I can not get a human on the phone.

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 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased a Dell XXXX  online around XXXX months ago. However, due to delivery delays, I requested order cancellation before the laptop was shipped. Dell confirmed that the order would not be delivered and pulled back the shipment, meaning the laptop was never received. 

On XX/XX/year>, I created a service request ( XXXX ) with Dell, explaining the situation and requesting a refund. Since then, I have received no response or resolution from Dell regarding the cancellation and refund. 

Despite not receiving the laptop, Comenity Bank ( DellPay ) continues to demand payment for the laptop that I never received. I have contacted DellPay multiple times, but they have refused to acknowledge my dispute and insisted that I pay the balance and resolve the issue with Dell later. 

Actions Taken : I requested cancellation and refund from Dell before the laptop was shipped. 
I created service request XXXX with Dell on XX/XX/year>, but received no resolution.

I contacted Comenity Bank ( DellPay ) to dispute the charge, but they have not provided any support and continue collection efforts. 
Desired Outcome : I am requesting that Comenity Bank suspend collection efforts until the dispute with Dell is resolved.

I also request that Comenity Bank mark my account as disputed and stop any negative reporting to the credit bureaus regarding this matter. 

This situation has caused significant stress, and I expect immediate action to correct this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 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: SC

Complaint narrative:
I NOW HAVE XXXX ACCOUNTS REPORTING ON MY FILE FROM XXXX XXXX THAT ARE FRAUD!! 

XXXX XXXX XXXX DATE OPENED XXXX UPDATED XXXX XXXX XXXX XXXX DATE OPENED XXXX UPDATED XXXX I HAD FILED FTC PRIOR WITH ACCT INFO IT WAS INVESTIGATED WITH THE COMPANY AND A NEW ACCT XXXX WAS ADDED INSTEAD OF UPDATED WITH NEW INFO!! 

XXXX ACCT XXXX WAS OPENED ON XXXX UPDATED XXXX HOWEVER NUMBER ONE ITS FRAUD NUMBER TWO ITS PAST STATUTE OF LIMITATIONS ( PAST 3 YEARS ) FOR A NEW ACCT TO BE ADDED!! 

CALLED XXXX SPOKE WITH XXXX AT XXXX XXXX STATES THE COMPANY HAD A MERGE AND UPDATED THE INFO WITH TRANSUNION AND TO GIVE IT TIME IM SURE TRANSUNION WILL DROP THE ADDED ACCOUNT AS OF 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 2025-01-28 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-01-28 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: NY

Complaint narrative:
XX/XX/XXXX, I made a principal payment of {$9900.00} on my XXXX loan which had previously maintained a perfect payment history. This payment was misapplied by XXXX, leading to a series of systematic errors. In XX/XX/XXXX XXXX XXXX erroneously reported a delinquency on my account, causing my XXXX XXXX to plummet from XXXX to XXXX - a devastating XXXXpoint drop. 
Since XX/XX/XXXX, I have submitted multiple disputes to XXXX, XXXX, and TransUnion regarding this incorrect delinquency. Despite providing comprehensive evidence, all three credit bureaus have failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ).

Evidence Provided to Credit Bureaus Original loan documentation showing 4.800 % interest rate Complete payment history demonstrating consistent payments Bank statements proving the {$9900.00} payment Documentation of unauthorized autopay deactivation Written admission from XXXX Supervisor XXXX XXXX ( dated XX/XX/XXXX ) acknowledging system errors XX/XX/XXXX Account Statement ( showing contractual 4.800 % interest rate ) Professional credit repair service documentation ( XX/XX/XXXX ) All three credit bureaus have demonstrated systematic failures in their investigation processes : Failed to Conduct Proper Investigations : Ignored submitted evidence Disregarded bank supervisor 's documented admission Failed to verify accuracy of reported information Did not investigate payment application issues Provided Inadequate Responses : Sent generic form letters Failed to address specific dispute points No explanation of investigation methods No documentation of findings Violated FCRA Requirements : Failed to conduct reasonable investigations Did not review all relevant information Failed to provide detailed investigation results Continued reporting disputed information without verification Pattern of " Sham Investigations '' : Automated responses without human review Ignored clear evidence of bank error Failed to contact data furnisher properly No meaningful investigation conducted

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 2025-01-28 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:
XX/XX/XXXX, I made a principal payment of {$9900.00} on my XXXX loan which had previously maintained a perfect payment history. This payment was misapplied by XXXX, leading to a series of systematic errors. In XX/XX/XXXXXXXX XXXX  erroneously reported a delinquency on my account, causing my credit score to plummet from XXXX to XXXX - a devastating XXXX drop. 
Since XX/XX/XXXX, I have submitted multiple disputes to Equifax, XXXX, and XXXX regarding this incorrect delinquency. Despite providing comprehensive evidence, all three credit bureaus have failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 
Evidence Provided to Credit Bureaus Original loan documentation showing 4.800 % interest rate Complete payment history demonstrating consistent payments Bank statements proving the {$9900.00} payment Documentation of unauthorized autopay deactivation Written admission from XXXX Supervisor XXXX XXXX ( dated XX/XX/XXXX ) acknowledging system errors XX/XX/XXXX Account Statement ( showing contractual 4.800 % interest rate ) XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) All three credit bureaus have demonstrated systematic failures in their investigation processes : Failed to Conduct Proper Investigations : Ignored submitted evidence Disregarded bank supervisor 's documented admission Failed to verify accuracy of reported information Did not investigate payment application issues Provided Inadequate Responses : Sent generic form letters Failed to address specific dispute points No explanation of investigation methods No documentation of findings Violated FCRA Requirements : Failed to conduct reasonable investigations Did not review all relevant information Failed to provide detailed investigation results Continued reporting disputed information without verification Pattern of " Sham Investigations '' : Automated responses without human review Ignored clear evidence of bank error Failed to contact data furnisher properly No meaningful investigation conducted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
XX/XX/XXXX, I made a principal payment of {$9900.00} on my XXXX loan which had previously maintained a perfect payment history. This payment was misapplied by XXXX, leading to a series of systematic errors. In XX/XX/XXXX, XXXX erroneously reported a delinquency on my account, causing my XXXX XXXX to plummet from XXXX to XXXX - a devastating XXXXpoint drop. 
Since XX/XX/XXXX, I have submitted multiple disputes to XXXX, Experian, and XXXX regarding this incorrect delinquency. Despite providing comprehensive evidence, all three credit bureaus have failed to conduct proper investigations as required by the Fair Credit Reporting Act ( FCRA ). 
Evidence Provided to Credit Bureaus Original loan documentation showing 4.800 % interest rate Complete payment history demonstrating consistent payments Bank statements proving the {$9900.00} payment Documentation of unauthorized autopay deactivation Written admission from XXXX Supervisor XXXX XXXX ( dated XX/XX/XXXX ) acknowledging system errors XX/XX/XXXX Account Statement ( showing contractual 4.800 % interest rate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) All three credit bureaus have demonstrated systematic failures in their investigation processes : Failed to Conduct Proper Investigations : Ignored submitted evidence Disregarded bank supervisor 's documented admission Failed to verify accuracy of reported information Did not investigate payment application issues Provided Inadequate Responses : Sent generic form letters Failed to address specific dispute points No explanation of investigation methods No documentation of findings Violated FCRA Requirements : Failed to conduct reasonable investigations Did not review all relevant information Failed to provide detailed investigation results Continued reporting disputed information without verification Pattern of " Sham Investigations '' : Automated responses without human review Ignored clear evidence of bank error Failed to contact data furnisher properly No meaningful investigation conducted

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are unauthorized inquiries on my credit report that I do not recognize. I never applied to these companies, nor did I give consent for them to access my credit file. This situation is deeply concerning and causing me unnecessary stress and anxiety.

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 2025-01-29 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Hi XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing by the Consumer Financial Protection Bureau ( CFPB ) Have brought to light significant Concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days, Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverified must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputes according or items 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct or delete any information that can not be verified or is inaccurate as mandated by law. 
Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief