vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon checking my credit report with Experian, there seem to be multiple addresses, names, and or phone numbers attached to my credit report, which are resulting in hurting my name and credit worthiness there for I am requesting to verify my name, address, and phone number and delete all other names, addresses, and phone numbers that are jeopardizing my credit. the only name that should be reported in my credit should be XXXX XXXX XXXXXXXX, and one address is XXXX XXXX XXXX XXXX, XXXXXXXX AZ XXXXXXXX, One phone number is ( XXXX ) XXXX. Anything else being reported should be deleted immediately as per law 15 USC 1681 Under the Fair Credit Reporting Act.

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 2025-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GCFS, INC.
State: CA

Complaint narrative:
On or about XXXX XXXX I received a Notice from Original Creditor XXXX XXXX XXXX original account XXXX. Current Creditor : GCFS , Inc . account XXXX for balance due {$65000.00}. That XXXX XXXX XXXX signed a lease agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance the vendor XXXX. Provide XXXXXXXX XXXX in name XXXX XXXX, and i am responsible for the default payment of that balance and provide lease agreement alleged that I signed electronically as a member of XXXX  and personal grantor, On or about XX/XX/XXXX XXXX. GCFS, INC filed lawsuit against me and XXXX XXXXXXXX .alleged that I am signed a personal guarantor and XXXX XXXX  sold and transferred the debt to XXXX XXXX XXXX XXXX XXXX on XXXX. And the account was assigned to GCFS, Inc, I am. and all times. Reside and work as a XXXX with my family in XXXX, and I never be a member of XXXX XXXX and I never signed this loan electronically, and after search I find that XXXX XXXX. Filed bankruptcy XXXX  XXXX from XXXX. And there is no XXXX XXXX XXXX at this location. And never be. XXXX XXXX XXXX XXXX at this location I filed respond to the court. And with this defense, but the problem. XXXX XXXX Report this in my credit and I dispute the report. And hired. Attorneys. And paid a lot expenses fees. Plus the flights expenses to come to USA. To appear in court. And a actual damages to leave my XXXX XXXX in XXXX otherwise I will be in default in court

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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complain against cash app ( Block , Inc. ) due to inadequate customer service and unfair practice, which violate the Customer 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 cause significant inconvenience and financial lost, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
request transunion investigate on the items i disputed and they was came back in under 24 hours

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 2025-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding ongoing issues with making payments on my auto loan through Chrysler Capital. I had been making my payments on time until a few months after an injury on XX/XX/XXXX, which impacted my financial situation. 

In XX/XX/XXXX, my payment was returned due to my paycheck not being deposited. As a result, Chrysler Capital locked my online account, preventing me from making payments through their portal. When I contacted customer service, I was informed that I could only make payments via XXXX XXXX, which added an additional fee of {$45.00} to {$50.00} per transaction.

After two months, I was able to speak with a supervisor and explained that my employer had cut my pay, making the extra XXXX XXXX fees a financial burden. The supervisor advised me that I could call in my payments instead, but I would have to pay a * {$3.00} processing fee for each transaction.

Fast forward to XX/XX/XXXX, I was suddenly informed that I could no longer make payments over the phone. When I inquired why, I was told it was due to a returned payment from XX/XX/XXXX which was over a year ago. I explained that my payments were being made with a debit card, making a return impossible. However, I was told that due to Chrysler Capitals new software, I was now required to use XXXX XXXX again. 

These repeated restrictions and added fees have made it unnecessarily difficult for me to make payments. I believe these practices are unfair and place an undue burden on borrowers, especially those who have experienced financial hardship. The above referenced actions also resulted in Chrysler Capital repossessing the vehicle, even after telling me that they would accept payments even when made using the overburdening process they would require.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
I opened this account in XXXX & was receiving money to this account without any associated fees. 

In XXXX I started getting charged fees for incoming money people were sending to me. Initially I thought I may have missed an email or other correspondence stating they were now charging fees. It did not occur to me ask anyone else as I thought this was happening to everyone. 

It wasn't until XXXX that I found out that this wasn't the case. I contacted the company to investigate & see if I could be reimbursed. They told me that I could not be reimbursed but to close that account & start over with another.

I started a new account but did not close the old one. Attached below is a screenshot of the most recent transaction to the account that is charging fees. I have not had any issues with the newer account.

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

Complaint narrative:
I am filing a formal complaint against cash app ( block, inc. ) for inadequate customer service and unfair practices that violate the 12 U.S.C. 5531 ( a ). Specifically, cash App failed to implement timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under CFPA. Furthermore, cash Apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
Heres a sample letter you can use to dispute the inaccurate information on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ca XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear XXXX XXXX , I am writing to formally dispute an inaccuracy on my credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information, and I request that this error be investigated and corrected promptly.

The inaccurate information is as follows : Account Name/Number : XXXX XXXX XXXX XXXX Inaccuracy : The report states that I have made 0 % of payments on time and that my payment status is XXXX days late. However, the report also indicates that my amount past due is {$0.00} and that my last payment was made on XX/XX/XXXX. These details conflict, as a {$0.00} past due balance suggests the account is current and not late.

Please investigate this discrepancy and correct the inaccurate information on my credit report. Enclosed are supporting documents to help with your investigation [ Include any relevant documents, if available ].

I request that the corrected credit report be sent to me at the address listed above. Additionally, please provide me with written confirmation of your investigation results.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Make sure to customize the placeholders with your personal details and send the letter via certified mail for tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: IL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges 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 ), Experian 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 unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items.

Name Account Number Amount XXXX XXXX Late Payments XXXX XXXX XXXX XXXX Late Payments XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$23000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$42000.00} 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter.

If Experian fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights.

Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TN

Complaint narrative:
Please remove the following inquiries from my credit report they are fraudulent. See Attached FTC Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/year> XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/year> XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, TN XXXX Date of inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: NV

Complaint narrative:
I was sent a letter from Equifax stating that I have already disputed this item twice and do not send another letter unless they requested, they tell me to send in a copy of my complete pay stubs in W2 forms and a valid Social Security card and proof the address and I sent that in with every dispute letter, so I'm confused. on what's the problem and I also told them do not send me another computer-generated letter that I was going to sue them for it not improperly investigating this information that is reported on my credit report Did, I received a letter from Trans Union saying that the information is accurate Hey for me to file FTC report and I have done that already ...

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 2025-02-02 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: IL

Complaint narrative:
I have several inaccuracies on my credit report that needs to be removed

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 2025-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/year> upon reviewing the updated yearly escrow analysis from Rocket Mortgage, I noticed an {$8000.00} homeowners insurance payout from my escrow account. I then emailed Rocket Mortgage to inquire about the transaction and their response was that they had received an invoice from XXXX XXXX in the amount of {$8000.00}, therefore, issued payment for the policy. I informed them that it was a fraudulent transaction as I had not requested nor authorized any policy from XXXX XXXX They explained that there was nothing they could do on my behalf, and referred me to address the issue directly with XXXX XXXX 

I contacted XXXX XXXX customer service and the representative confirmed that a policy indeed had been established under my name and for my property located at XXXX XXXX XXXX, XXXX XXXX, CA, XXXX. The customer service representative provided me with the name and contact information of the specific XXXX XXXX XXXX that established the policy. ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX ). I informed the representative that it was a fraudulent transaction to which she instructed me to respond with an email, requesting cancellation of policy and recommended that I contact the establishing office for clarification. 

I did make contact with XXXX XXXX XXXX to which he confessed, that he negligently established the policy without verification of identity for a caller assuming my identity, and immediately began the process to cancel the transaction and send a refund. He also advised me that the invoice for the fraudulent policy was addressed to XXXX XXXX  and to a loan # not associated to my account. ( Attachment, see page XXXX of XXXX XXXX invoice ). 

I have filed a police report in regards to the identity theft, and the way XXXX XXXX  processed this transaction. However, I would like to know why rocket Mortgage failed to review the most important of details and paid for an invoice addressed to a different mortgage company, and most importantly, did not contain my specific loan number? ***when changing homeowners insurance policies, mortgage companies are required to check loan numbers to ensure the correct information is listed on the new policy, particularly the " mortgagee clause '' which protects their financial interest in the property ; this means they need to verify the loan number to accurately identify the borrower and update their details on the new insurance policy. *** The Rocket Mortgage representative I spoke with, from the insurance department, told me that invoices are paid out even if loan numbers do not coincide and that I would have to deal with XXXX XXXX  for resolution. 

Rocket. Mortgage has also failed to provide me with a request for an updated escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BCA Financial Services, Inc.
State: NJ

Complaint narrative:
I received a notice from BCA financial services inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX via mail on Saturday XXXX. There is only a phone number for the company and they are closed when I finally received this notice. I wish to dispute this bill as I believe it was already sent in. There is no information on dispute of rights under fair credit act listed at all. There is only a payment address to pay. There are not even any choices listed on how to pay only detach lower portion with payment. I don't even know if this is legitimate. I don't want to report that until I am sure. I will be dispute this and requesting a copy of the original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

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