vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
A debt validation letter was sent to Midland credit management on XX/XX/XXXX of XXXX  after a police officer served me a garnishment at my job. The garnishment had my name on it but the wrong address it was an address I never lived at. I also hired credit XXXX XXXX  to help dispute the collection as well.On XX/XX/XXXX of XXXX  the garnishment was considered closed via XXXX XXXX XXXX. Im disputing this matter because not only is the debt not mine but Midland credit management also committed a data breach. Midland credit management found my employers website and got the open email from there and proceeded to email my personal information as well as information regarding the garnishment. All XXXX employees receive that same email because we all have access, in doing so I later lost my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

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 platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and very deceptive, as they didnt comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA XXXX and Regulation E. These actions haves caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Account XXXX XXXX American Express Account Number XXXX XXXX Date Opened : XX/XX/year> Subject : Formal Demand for Account Removal Final Notice Before Legal Action Dear Consumer Financial Protection Bureau XXXX I am writing to formally demand that American Express and XXXX immediately remove the fraudulent account listed above from my credit report. If this issue is not resolved promptly, I will pursue legal action to enforce my rights under federal law. 

Legal Violations Committed by American Express and XXXX XXXX. Unlawful Reporting of an Authorized User Account ( FCRA Violations 15 U.S.C. 1681 et seq. ) I was only an authorized user on this account, not the primary account holder.

Under FCRA 1681b, American Express must have my written consent to report this account under my name. No such consent was ever given. 
XXXX. Misuse of Payment Information False Liability Assignment American Express falsely claims that a payment from my business checking account proves ownership of this credit card. 
This is legally incorrect and a deceptive financial practice. A third-party payment does not establish legal liability for a debt. 
This misrepresentation violates FCRA 1681s-2 ( a ) ( Furnishing Inaccurate Information ) and the Truth in Lending Act ( TILA 1026.12 ), which states that authorized users are not liable for debt. 
XXXX. Unlawful Credit Reporting No Permissible Purpose FCRA 1681b requires that a consumer provide written authorization before a financial institution reports an account under their name. 
Since I never agreed to be personally liable for this account, American Express and XXXX have violated this law by reporting inaccurate information. 
XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ( b ) ) American Express has refused to provide : A signed contract proving I agreed to be liable for this account. 
Documentation proving I authorized this account to be reported under my credit. 
Evidence that I linked my business checking account to this credit card. 
Since they have failed to produce this evidence, they must remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
XXXX*Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Request for CFPB Assistance Against XXXX XXXX Equifax, and XXXX for Violations of Federal Law** Dear CFPB, I am requesting your assistance in taking action against **EdFinancial Services, Equifax, and TransUnion** for their failure to provide documentation and continued inaccurate reporting of a **paid and closed student loan account** on my credit file. 
Despite my repeated requests, XXXX has not provided any proof of their right to report this account**, yet Equifax and XXXX continue to include it in my credit reports. Their actions violate federal laws that protect consumers from inaccurate and unverified reporting. 
**Violations of Federal Law** The actions of XXXX, Equifax, and XXXX may constitute violations of the following laws : **1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. ** - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Furnishers must not report inaccurate information. XXXX is reporting an account without verification. 
- **15 U.S.C. 1681s-2 ( b ) : ** Credit bureaus and furnishers must investigate disputes and provide proper verification or delete the disputed information. Equifax and XXXX have failed to remove this unverified account. 
- **15 U.S.C. 1681i : ** Credit bureaus must conduct a reasonable reinvestigation of disputed information. Equifax and XXXX have **failed to verify this account** and continue to report it inaccurately. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. ** - **15 U.S.C. 1692e ( 8 ) : ** It is unlawful for a debt collector to communicate false credit information or fail to report that a debt is disputed. 
XXXX. Truth in Lending Act ( TILA ) - 15 U.S.C. 1631 et seq. ** - XXXX is required to provide clear and accurate disclosures, including verification of the debt. Their failure to do so raises serious compliance concerns. 
**Request for CFPB Action** I request that the CFPB : XXXX. **Investigate XXXX, Equifax XXXX and XXXX** for their failure to provide proper documentation and their continued reporting of inaccurate information. 
XXXX. XXXXCompel XXXX to provide documentation proving their right to report this account** or remove the account from my credit reports. 
XXXX. XXXXHold Equifax and XXXX accountable** for failing to properly investigate my dispute and continuing to report unverified information. 
XXXX. **Ensure the immediate removal of this account from my credit reports** if no valid documentation is provided. 
Please advise me on the next steps I should take. I appreciate the CFPBs assistance in ensuring these companies comply with federal law and correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
**Consumer Financial Protection Bureau ( CFPB ) ** **Subject : Request for CFPB Assistance Against XXXX XXXX XXXX, and TransUnion for Violations of Federal Law** Dear CFPB, I am requesting your assistance in taking action against **EdFinancial Services, XXXX, and TransUnion** for their failure to provide documentation and continued inaccurate reporting of a **paid and closed student loan account** on my credit file. 
Despite my repeated requests, XXXX has not provided any proof of their right to report this account**, yet XXXX and TransUnion continue to include it in my credit reports. Their actions violate federal laws that protect consumers from inaccurate and unverified reporting. 
**Violations of Federal Law** The actions of XXXX, XXXX, and TransUnion may constitute violations of the following laws : **1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. ** - **15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : ** Furnishers must not report inaccurate information. XXXX is reporting an account without verification. 
- **15 U.S.C. 1681s-2 ( b ) : ** Credit bureaus and furnishers must investigate disputes and provide proper verification or delete the disputed information. XXXX and TransUnion have failed to remove this unverified account. 
- **15 U.S.C. 1681i : ** Credit bureaus must conduct a reasonable reinvestigation of disputed information. XXXX and TransUnion have **failed to verify this account** and continue to report it inaccurately. 
**2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. ** - **15 U.S.C. 1692e ( 8 ) : ** It is unlawful for a debt collector to communicate false credit information or fail to report that a debt is disputed.

**3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1631 et seq. ** - XXXX is required to provide clear and accurate disclosures, including verification of the debt. Their failure to do so raises serious compliance concerns. 
**Request for CFPB Action** I request that the CFPB : 1. **Investigate XXXX, XXXX XXXX and TransUnion** for their failure to provide proper documentation and their continued reporting of inaccurate information. 
2. **Compel XXXX to provide documentation proving their right to report this account** or remove the account from my credit reports. 
3. **Hold XXXX and TransUnion accountable** for failing to properly investigate my dispute and continuing to report unverified information. 
4. **Ensure the immediate removal of this account from my credit reports** if no valid documentation is provided. 
Please advise me on the next steps I should take. I appreciate the CFPBs assistance in ensuring these companies comply with federal law and correct this issue.

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 2025-02-05 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: TX

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, TX, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year>2025 ] Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW Washington, DC 20552 Subject : Complaint Against Equifax for Inaccurate Late Payment Reporting Without Proper Validation or Verification To Whom It May Concern, I am submitting this complaint against Equifax for reporting inaccurate late payments ( 60, 90, and 120 days late ) on my credit report without proper validation or verification. The information reported has caused significant harm to my credit score and financial well-being. 

Upon reviewing my credit report, I noticed that Equifax has reported late payments inaccurately for my [ XXXX XXXX XXXX  XXXX XXXX ], [ XXXX XXXX XXXX  ], [ XXXX XXXX XXXX XXXX ], and [ XXXX XXXX XXXX XXXX I dispute the validity of these reports as I have not received proper documentation or evidence substantiating these alleged delinquencies. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to verify the accuracy of the information they report, yet Equifax has failed to provide adequate proof of these claims despite my previous disputes. 

Furthermore, as per the recent enforcement action by the CFPB, Equifax has been fined for failing to properly investigate consumer disputes and for continued violations of fair reporting laws. The CFPB 's recent fine against Equifax highlights its failure to comply with federal regulations regarding credit reporting accuracy and consumer dispute resolution. 

I am formally requesting the CFPB to investigate Equifaxs failure to properly validate and verify the reported late payments on my credit file. I am also requesting that these inaccurate late payments be removed from my credit report immediately, as they are unjustly impacting my creditworthiness. 

Attached to this complaint, I have included a copy of my credit report reflecting the erroneous late payment entries, as well as any relevant correspondence with Equifax regarding my dispute. 

I request that the CFPB take immediate action to ensure Equifax adheres to its obligations under the FCRA and to prevent further consumer harm due to its negligent reporting practices. 

Please provide me with an update regarding the status of this complaint at your earliest convenience. I appreciate your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX XXXX of Debt XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-05 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Please check the information concerning the Equifax data breach below in included attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: CO

Complaint narrative:
Please check the information concerning the Equifax data breach below in included attachments.

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 2025-02-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, New York XXXX Account Name : American Express Account Number XXXX XXXX Date Opened : XX/XX/year>2024 Subject : Formal Demand for Account Removal Final Notice Before Legal Action Dear Consumer Financial Protection Bureau , I am writing to formally demand that American Express and XXXX immediately remove the fraudulent account listed above from my credit report. If this issue is not resolved promptly, I will pursue legal action to enforce my rights under federal law. 

Legal Violations Committed by American Express and XXXX 1. Unlawful Reporting of an Authorized User Account ( FCRA Violations 15 U.S.C. 1681 et seq. ) I was only an authorized user on this account, not the primary account holder.

Under FCRA 1681b, American Express must have my written consent to report this account under my name. No such consent was ever given.

2. Misuse of Payment Information False Liability Assignment American Express falsely claims that a payment from my business checking account proves ownership of this credit card.

This is legally incorrect and a deceptive financial practice. A third-party payment does not establish legal liability for a debt.

This misrepresentation violates FCRA 1681s-2 ( a ) ( Furnishing Inaccurate Information ) and the Truth in Lending Act ( TILA 1026.12 ), which states that authorized users are not liable for debt.

3. Unlawful Credit Reporting No Permissible Purpose FCRA 1681b requires that a consumer provide written authorization before a financial institution reports an account under their name.

Since I never agreed to be personally liable for this account, American Express and XXXX have violated this law by reporting inaccurate information. 
4. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ( b ) ) American Express has refused to provide : A signed contract proving I agreed to be liable for this account.

Documentation proving I authorized this account to be reported under my credit.

Evidence that I linked my business checking account to this credit card. 
Since they have failed to produce this evidence, they must remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, New York XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/year> Subject : Formal Demand for Account Removal Final Notice Before Legal Action Dear Consumer Financial Protection Bureau , I am writing to formally demand that American Express and XXXX immediately remove the fraudulent account listed above from my credit report. If this issue is not resolved promptly, I will pursue legal action to enforce my rights under federal law. 

Legal Violations Committed by American Express and XXXX 1. Unlawful Reporting of an Authorized User Account ( FCRA Violations 15 U.S.C. 1681 et seq. ) I was only an authorized user on this account, not the primary account holder. 
Under FCRA 1681b, American Express must have my written consent to report this account under my name. No such consent was ever given. 
2. Misuse of Payment Information False Liability Assignment XXXX XXXX falsely claims that a payment from my business checking account proves ownership of this credit card. 
This is legally incorrect and a deceptive financial practice. A third-party payment does not establish legal liability for a debt. 
This misrepresentation violates FCRA 1681s-2 ( a ) ( Furnishing Inaccurate Information ) and the Truth in Lending Act ( TILA 1026.12 ), which states that authorized users are not liable for debt. 
3. Unlawful Credit Reporting No Permissible Purpose FCRA 1681b requires that a consumer provide written authorization before a financial institution reports an account under their name. 
Since I never agreed to be personally liable for this account, American Express and XXXX have violated this law by reporting inaccurate information. 
4. Failure to Conduct a Reasonable Investigation ( FCRA 1681s-2 ( b ) ) American Express has refused to provide : A signed contract proving I agreed to be liable for this account. 
Documentation proving I authorized this account to be reported under my credit. 
Evidence that I linked my business checking account to this credit card. 
Since they have failed to produce this evidence, they must remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AR

Complaint narrative:
My information was used on other websites that I didnt give permission for.

Company response to consumer: Closed with explanation