vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: MA

Complaint narrative:
Ally Financial has repeatedly violated provisions of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and other relevant federal regulations, resulting in the furnishing of inaccurate information to consumer reporting agencies. Despite being put on notice, the consumer reporting agencies has failed to take corrective action. I demand immediate compliance with federal law and cessation of unlawful reporting. Transunion, equifax, and experian, are in violation of my human rights. The FCRA clearly states a consumer report does not consist report containing information solely as to transactions or experiences between the consumer and the person making the report. Additionally, under 15 USC1681s2a, prohibits information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notification to XXXX regarding inaccuracies in their reporting, they have failed to cease furnishing incorrect data to these agencies. The payment status being reported all months, different dates across all consumer agencies, dates of delinquencies are false. I've written a letter asking not to share information to any parties also not to furnishing wrong information to them, they still have ignored my request and continued to furnish false information upon me. I've sent letters to agencies to investigate these false misleading accounts and even they still did not fix. After putting them on notice of this behavior, the reinvestigation DID NOT fix anything which is in violation of still misleading inaccurate information. They still did not comply with federal laws and neglected the fact of myself putting them on notice of continuously errors. These agencies have violated many of my rights, which affects my ability to get more further my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against CashApp and Block Inc. due to an adequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, CashApp 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 2025-02-18 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
car was a total loss as of XX/XX/XXXX and was paid off XXXX of XXXX.which in the beginning of signing the auto loan i had insurance and paid extra for gap insurance ... after the vehicle was a total loss in XXXX credit acceptance Corp receive the total amount of what i finance for back in XX/XX/XXXX from my previous insurance company ... ... since XXXX of XXXX to XX/XX/XXXX they have been reporting late payments which again I didn't have the vehicle anymore and it was a total loss... I've contact the credit burrows as well as credit acceptance Corp and only response was that I owed a balance of XXXX and something which I paid immediately so they can close the account ... .all i received was inaccurate reporting, which the account is closed. And it's still saying late payments, which has brought my credit score down dramastically, and it's affected me from moving forward... i've been sending police reports and trying to dispute this account for 3 years and they still haven't respond nor remove the late payment off my credit profile ... .can u please remove the inaccurate report in late payments or remove the account 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 2025-02-18 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: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
CashApp has been holding funds in my account from a hotel stay since XX/XX/year>. After contacting the hotel for a final folio, and providing that information to CashApp, I was told by a representative, who refused to provide his name, that the hotel did not finalize their transaction. This is false and misleading information provided to CashApp cardholders. They claim it takes up to 30 days to finalize pending transaction. I believe CashApp is using fraudulent practices to hold funds on account holders accounts.

In addition, I signed up for CashApps direct deposit and they are holding funds released a government agency to my account, claiming that the government agency has not yet released funds, which is false. 

I have attached documentation to support my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Subject : Request for Documentation Regarding Repossession and Notice of Correspondence. 
Dear Santander I am writing in response to your recent communication regarding the repossession of my vehicle, which occurred without prior notice. I have thoroughly reviewed my records and have not received any correspondence from your office regarding this matter, including any repossession, or collection attempts. Please provide the following documentation : Proof of Mailing : Please provide documentation showing that any notices or communications were sent to my correct address. This should include dates and tracking or certified mail details. Details of the Charge-Off/Collection : Kindly provide detailed information regarding the charge-off/collection status reported on my credit report, including dates and the amounts involved. I would like to resolve this matter as soon as possible. However, I require this information to understand my current standing and to ensure that all procedures were followed properly. Please respond within 10-15 business days, so we can address this issue appropriately. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: MS

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

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 2025-02-18 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: GA

Complaint narrative:
I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681n ( Civil Liability For Willful Noncompliance ). Also allowing my sold information to be placed on my report without my permission also with no knowledge of me knowing.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to formally report that my personal information has been compromised due to a recent data breach. As a result, there are inaccuracies reflected on my credit report that I believe must be addressed urgently. 

The incorrect items currently reported discrepancies are not a result of my actions and are directly linked to the unauthorized access of my personal information. 

I kindly request that you investigate this matter and take the necessary steps to remove these items from my credit report to reflect accurate information. 


Please do not hesitate to contact me at XXXX XXXX or XXXX should you require any further information or clarification. 

Thank you for your attention to this critical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NM

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a formal complaint against Capital One regarding inaccurate and unlawful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified multiple violations related to a charged-off account ( Account Number : XXXX ) that is being reported incorrectly. These violations are causing unnecessary damage to my credit score and must be corrected immediately.

1. Repeated Charge-Off Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ) Capital One is reporting a charge-off every single month, as indicated in my 24-month payment history. 
A charge-off is a one-time event, meaning it should only appear for the original charge-off date. 
Repeatedly reporting it misrepresents my creditworthiness and falsely suggests continuous delinquencies. 
Under the FCRA, creditors must report accurate and fair information. Repeated charge-off reporting violates these regulations. 
2. Incorrect Balance & Past Due Amount Reporting Violation of FCRA 1681s-2 ( a ) ( 1 ) ( B ) Capital One reports a charge-off balance of {$900.00}, but also lists a past due amount of {$900.00}, which is misleading.

Once an account is charged off, it is no longer considered past due unless actively being billed, which Capital One is not doing.

This contradicts standard credit reporting rules and is a deceptive practice.

3. Failure to Properly Update Account Status Violation of FCRA 1681s-2 ( a ) ( 2 ) The charge-off status update in XX/XX/year> should have reflected a finalized charge-off, but Capital One continues to update it monthly. 
By failing to properly update the account, Capital One is misrepresenting my financial status and extending the impact of the negative account unfairly. 
4. Re-Aging of Debt Violation of FCRA 1681c ( a ) ( 4 ) Capital One is engaging in " re-aging '' by continuing to report the charge-off each month as if it is a new occurrence.

Under 15 U.S.C. 1681c ( a ) ( 4 ), negative items must be removed seven years from the original delinquency date.

By repeatedly updating the charge-off status, Capital One is attempting to extend how long this negative item affects my credit. 
This is a serious violation of federal law and needs immediate correction. 

I am requesting the CFPB investigate Capital One for these violations and take corrective action. Specifically, I demand : Immediate removal of this account from my credit report from all 3 bureaus due to unlawful reporting practices.

Assurance that Capital One will comply with FCRA regulations moving forward and prevent further harm to my credit profile. 

If Capital One does not comply, I will escalate this complaint to : The Federal Trade Commission ( FTC ) www.ftc.gov My states Attorney General for deceptive and unfair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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 BY THE 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: DallasAutos4Less
State: TX

Complaint narrative:
I'm reaching out because i did a voluntary Repossession on my car due to them not fixing my XXXX XXXX XXXXXXXX and XXXX day leaving work my whole car collapsed. just back in XX/XX/XXXX on my credit it stated it was paid in full but not as of XX/XX/XXXX they went back in and changed it from paid in full to repossession and it wasn't a repossession i gave the car back because i got all the car parts to fix the car and they had me going weeks and weeks without my car being fixed and when my XXXX  collapsed on the way home that was the last straw. I would like for this loan to be discharged from my account due to inaccuracy on dates, amounts, and what actually happened as to why i had to give the car back.

Company response to consumer: Untimely response