vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
BEING A TOYOTA CUSTOMER HAS BEEN MY WORST EXPERIENCE, WORST NIGHTMARE, FIRST WITH ALL VEHICLE ISSUES SUCH AS TRANSMISSION DEFFECTS AND OTHER ISSUES THAT TOYOTA NEVER ACCEPTED IT'S RESPONSIBILITY ( WORST FOR THEM BECAUSE IF THEY DO NOT RECOGNIZE THE ISSUES, THEY'LL NEVER FIX/IMPROVE THEIR VEHICLE 's DEFFECTS. FINALLY MY XXXX WAS RE-PURCHASED FROM XXXX, UNFORTUNATELY UP TO THIS MINUTE I HAVE NOT BEEN ABLE TO GET REIMBURSED THE EXTRA PAYMENTS I DID ON THAT VEHICLE AND THIS GUYS : XXXX XXXX XXXX XXXXXXXX XXXXt/TOYOTA - XXXX XXXX XXXX ( XXXX XXXX XXXX HAS JUST STOPPED REPLYING TO MY EMAILS AFTER HE'S JUST BEING PLAYING GAMES SAYING A CHECK HAS BEEN REQUESTED BUT THAT'S IT, I'VE ASKED OTHERS AT TOYOTA FOR HELP TRYING TO GET MY MONEY, BUT SAME THING, NO ANSWER AS OF YET..!!! I'M SICK AND TIRE OF THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Having reviewed my most recent credit report, I noticed an error that does not match the documentation I have. This discrepancy could lead to misunderstandings or inaccuracies in assessing my creditworthiness, which I would like to avoid. Please take the time to carefully investigate this issue and correct it as needed. I value your assistance in ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: TX

Complaint narrative:
After reviewing my Experian Credit report on XX/XX/year>, I noticed fraudulent and inaccurate reporting from XXXX. 
The fraudulent account reported no data 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 XXXXXX/XX/XXXX. The reporting is not only impossible but incorrect and I request that the account be removed from my credit report immediately.

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 2025-01-24 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: TX

Complaint narrative:
After reviewing my Experian Credit report on XX/XX/year>, I noticed fraudulent and inaccurate reporting from XXXX. 
The fraudulent account reported no data 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 XXXXXX/XX/XXXX. The reporting is not only impossible but incorrect and I request that the account be removed from my credit report immediately.

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 2025-01-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NH

Complaint narrative:
I am writing to formally file a complaint against IQ Data International Inc. for their unprofessional and abusive conduct during recent interactions with me. Their behavior was not only inappropriate but also in clear violation of the standards expected from a professional debt collection agency. 

On XX/XX/year>, I received a call from IQ Data International Inc. regarding an outstanding debt. During the conversation, the representative used offensive and abusive language, which I found deeply distressing and unnecessary. Specifically, the representative mocked me by suggesting I should use a " binky '' and disparaged my military service, which was extremely demeaning and unprofessional.

Additionally, the representative went on unrelated tangents about topics such as the President, which were completely irrelevant to the matter at hand and appeared intended to belittle or distract me rather than resolve the issue professionally. These actions created a hostile and intimidating environment and failed to address my legitimate concerns about the debt they were attempting to collect.

I believe this behavior is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using abusive, harassing, or misleading practices. I am shocked by the lack of professionalism displayed by this agency and am requesting that appropriate action be taken to address this matter. 

To assist in your investigation, I am providing the following details : Date and time of the call : XX/XX/scrub>XXXX XXXX XXXX XXXX Phone number ( XXXX ) used by the debt collector : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
I am writing to formally address an ongoing issue regarding my credit report and the handling of my disputes by Equifax. Despite submitting multiple disputes regarding inaccuracies in my credit file, I have consistently received responses within 24 hours from Equifax stating that the accounts in question are " accurate. '' This response is not only premature but also demonstrates a failure to properly investigate my claims. This failure constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, as well as a violation of the Consumer Financial Protection Act ( CFPA ) .In addition to the inaccurate account information, there is a significant error regarding my personal address. Despite providing supporting documentation on multiple occasions to show that certain items on my credit report are inaccurate, Equifax has failed to conduct a thorough and reasonable investigation as required by the FCRA. Section 1681i of the FCRA mandates that credit reporting agencies perform a reasonable investigation of disputes within 30 days. The repeated failure to properly investigate these disputes, coupled with overly swift responses indicating no changes, demonstrates that Equifax is not adhering to the statutory requirements for proper handling of consumer disputes.

Furthermore, Section 1681e ( b ) of the FCRA requires that credit reporting agencies maintain accurate information in consumer reports. The repeated refusal to investigate these discrepancies or resolve them in a reasonable manner constitutes negligent reporting, which is a violation of my consumer rights under both the FCRA and the CFPA.As I have provided ample evidence to support my claims, I request that you fully investigate the inaccuracies in my credit report and take corrective action immediately. If this matter is not resolved within a reasonable time frame, I will not hesitate to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action. Specifically, I have submitted documentation showing that the accounts in question have been paid in full, and my address has been incorrectly listed.

As I have provided ample evidence to support my claims, I request that you fully investigate the inaccuracies in my credit report and take corrective action immediately. Specifically, I am requesting the removal of the following accounts, as they are both inaccurate and have been paid/closed in full : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-24 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update the payment to be paid on time immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your understanding and prompt action.

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 2025-01-24 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: CO

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment on an account that I was in fact paid in time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date : XX/XX/2024. I'm now requesting you investigate this account and update the payment to be paid on time immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Thank you for your understanding and prompt action.

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 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This month a collection account showed up on my report that I know nothing about. Transworld Systems Inc has never communicated with me via email, phone, mail or other means. They have not contacted me about any alleged debt collection. They have not validated and proven any debt exists. I am disputing this debt. Under 15 USC 1681s-2 ( a ) ( 7 ), I should have been notified before negatively placing information on my credit report that is harmful to my reputation and ability to obtain credit, housing and other services. I have never heard from this company or been given an opportunity to dispute it and DO NOT believe the debt is mine. They have also broken FDCPA 1692 ( e ) for misleading or deceptive reporting of a debt to credit agencies without validation including a forward flow agreement and proper chain of assignment per 1681e ( b ). Please promptly remove this collection account from XXXX, XXXX and XXXX for not following FDCPA laws. Where is the permissible purpose I gave for this account to report on my credit report according to 15USC 1681b if I don't even know it exists? Again, there is no proof or information indicating this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: TX

Complaint narrative:
Wisely ( XXXXXX/XX/XXXX administered by ADP ) Introduced a new feature without notifying card holders, this new feature automatically declines every transaction and sends a text message for the cardholder to authorize the transaction, but even after this is done, the transaction has to be completely repeated. This went on for a couple of days but now they admit they have a. glitch and the authorization text is not sent for 1 to 4 hours after the transaction is declined. Furthermore by the time the text is sent, their system still only allows 1-2 minutes to approve the transaction, even though the text came hours after the text has expired. The time to authorize the transaction has passed so one must return to the retailer or the website and start the transaction completely from scratch, and it is automatically declined. The text comes1 to 4 hours late and is expired, This has become a repeating sequence of events, the card can not be used online or in person with this going on. I have spoken to Wisely numerous times, All the way up to supervisors and they dont know when the glitch will be fixed however they plan on keeping the feature of the automatic decline. although card holders can opt out when you opt out of the new feature, then everything is automatically declined and you just dont get an email allowing you to authorize it so cardholders have essentially opted out of having a usable card. 

Basically Wisely/XX/XX/XXXX/ADP has the funds of thousands of people who depend on them to receive their paychecks, their Social Security payments and other money yet there is no way for users to access their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IN

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. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have disputed the report of XXXX  XXXX with trans union and XXXX, they have not taken my complaint seriously. I contacted the card issuer and they acknowledge that they reported the bankruptcy in error and would fix the issue. The issue has not been resolved and my score has dropped over 100 points causing harm and financial expense.

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 2025-01-24 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: FL

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 Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, 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 ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : Conduct a thorough reinvestigation of the following disputed accounts or itemsXX/XX/XXXX XXXX 1. Provide me with all documentation used to verify the accuracy of the disputed information. 
2. Correct or delete any information that can not be verified 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 with legal standards. If Experian 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.

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I tried to verify my identity with theXX/XX/XXXX as requested to be able to withdraw my crypto from my account, now the app just says we received your documents and will review within a day but not updates for almost a month now. I created multiple tickets with support and was told there i submitted expired id so identity was not verified and I should be able to resubmit but I'm not able to and they are telling me is no resolution available. This is unacceptable, I have valid identity documents I can provide and I want to withdraw the crypto with I have purchased from XX/XX/XXXXand legally have the rights to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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