vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Cascade CISS Holdings, LLC
State: LA

Complaint narrative:
I obtained a personal loan in the amount of XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX of XXXX I was injured on my job and could not work for XXXX months. I went to see the owner of credit plus and informed him immediately and explained the situation and showed him my paperwork and asked if the loans had insurance and he said no but that it would be okay. just keep him informed. well immediately after I walked out the office he files a lawsuit against me. I have been to court with his attorney, and she refused to honor the receipts I had into evidence. I felt it was in justice and prejudice against me and my character. On XX/XX/XXXX, I was issued another court citation to garnish my wages. again, the amount that has been entered on court documents are wrong. I live in XXXX XXXX and the case number is XXXX The attorney is suing again without the correct amount listed. I have paid they XXXX I have the receipts. They also added XXXX XXXX to me my Suit which I did cosign for, but he's able to pay his on bills monthly. All I'm requesting is that the amount be entered in correctly. attorney handling the account is XXXX 's XXXX and XXXX XXXX in XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-23 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 filing a formal complaint regarding inaccurate and unverified derogatory accounts and unauthorized inquiries on my credit report. Despite multiple dispute letters sent to the credit bureaus on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they have failed to comply with federal laws requiring verification or removal of these items. 
Disputed Accounts : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts remain on my report despite my repeated requests for verification under FCRA 609 ( 15 U.S.C. 1681g ), which grants me the right to request the method and source of verification. The credit bureaus have not provided any documentation proving these accounts are valid, meaning they must be removed per FCRA 611 ( 15 U.S.C. 1681i ), which requires the deletion of any information that can not be verified within 30 days. 
Unauthorized Credit Inquiries : There are multiple inquiries on my credit report that I do not recognize and never authorized. Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only release my report for permissible purposes, such as a credit application I initiated. Since I never applied for any accounts or credit that would justify these inquiries, they must be removed.

Credit Bureau Noncompliance : The credit bureaus are in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which holds furnishers responsible for reporting only accurate and verifiable information. Since they have not provided proper verification, they are unlawfully reporting inaccurate information and must delete these items immediately. 
Requested Resolution : I demand the immediate removal of : 1. All unverified derogatory accounts listed above.

2. All unauthorized credit inquiries that I did not approve.

3. A formal letter confirming the deletion of these items from my credit file.

The continued failure to comply with the Fair Credit Reporting Act ( FCRA ) is causing harm to my credit profile and financial well-being. I expect swift action and full compliance with federal law.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverified derogatory accounts and unauthorized inquiries on my credit report. Despite multiple dispute letters sent to the credit bureaus on XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, they have failed to comply with federal laws requiring verification or removal of these items. 
Disputed Accounts : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts remain on my report despite my repeated requests for verification under FCRA 609 ( 15 U.S.C. 1681g ), which grants me the right to request the method and source of verification. The credit bureaus have not provided any documentation proving these accounts are valid, meaning they must be removed per FCRA 611 ( 15 U.S.C. 1681i ), which requires the deletion of any information that can not be verified within 30 days. 
Unauthorized Credit Inquiries : There are multiple inquiries on my credit report that I do not recognize and never authorized. Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only release my report for permissible purposes, such as a credit application I initiated. Since I never applied for any accounts or credit that would justify these inquiries, they must be removed.

Credit Bureau Noncompliance : The credit bureaus are in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ), which holds furnishers responsible for reporting only accurate and verifiable information. Since they have not provided proper verification, they are unlawfully reporting inaccurate information and must delete these items immediately. 
Requested Resolution : I demand the immediate removal of : 1. All unverified derogatory accounts listed above.

2. All unauthorized credit inquiries that I did not approve.

3. A formal letter confirming the deletion of these items from my credit file.

The continued failure to comply with the Fair Credit Reporting Act ( FCRA ) is causing harm to my credit profile and financial well-being. I expect swift action and full compliance with federal law.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/year>, an account was opened in my name with bank Mountain America Credit Union. I now have a collection of {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
To Whom It May Concern, I am reaching out regarding my mortgage with Freedom Mortgage for XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I have held this mortgage for many years, with an original balance of $ XXXXnow reduced to just {$29000.00}. Throughout this time, I have never been late on a single payment. 

I have always used automated payments through my bank, consistently paying a bit extra. At the time of the issue, my automatic monthly payment was set at {$1400.00}. Please find attached my bank statements confirming these payments. 

Summary of the Issue : -- XX/XX/XXXX : My mortgage payment increased from {$1300.00} to {$1400.00}, an increase of {$2.00}. 

-- Due to paperless statements, I was unaware of this minor change, and my auto payments continued at {$1400.00}. 

-- From XX/XX/XXXX to XX/XX/XXXX, Freedom Mortgage accepted and applied my payments without notifying me that my payment was short by just {$2.00}. 

-- XX/XX/XXXX : Freedom Mortgage stopped posting my payments and instead held them in a phantom account, wrongly charging me a late fee of {$52.00}. 

-- When I finally checked my statements in XXXX ( my bi-annual account check ), I noticed a large outstanding balance. After investigation, I immediately paid the {$12.00} difference ( related to escrow only NOT principal & interest ) on XX/XX/XXXX. 

Despite my payments being made on time every month, Freedom Mortgage refused to correct the erroneous 30-day late payment status reported to the credit bureaus.

After many phone calls, they eventually waived {$40.00} of the {$52.00} late fee, but they continued to report false late payment information. 

Impact & Request for Resolution : As a result of this error, my credit score has dropped from the XXXX to XXXX. I have multiple mortgages and have NEVER been late on any of them. 

I have attempted to dispute this through the credit bureaus, but Freedom Mortgage continues to provide incorrect information. I am now reaching out in the hope that you can assist in rectifying this mistake. 

If this issue is not resolved, I intend to pursue legal action, including a potential class-action lawsuit, as I strongly believe I am not the only customer affected by such wrongful practices. I will NOT stop until I get justice. 

I appreciate your time and assistance in this matter. Should you have any questions or concerns, please feel free to contact me at XXXX or XXXX. 

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 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally express my concern regarding a phone call I received on XX/XX/year>, at approximately XXXX XXXX XXXXXXXX ( XXXX ) from an individual named XXXX, who stated that she was calling from XXXX XXXX XXXX XXXX 

During the call, XXXX was rude, unprofessional, and falsely accused me of failing to pay my rent. When I attempted to clarify that her statement was inaccurate, she continuously interrupted me, used an aggressive tone, and disregarded my response. Additionally, she went as far as threatening to damage my credit score, which I found highly inappropriate and unprofessional.

I take my financial obligations seriously and do not appreciate being spoken to in such a manner. I kindly request that this matter be investigated and that appropriate action be taken to ensure that future interactions with your representatives remain respectful and professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: IL

Complaint narrative:
I recently received a copy of my credit report and noticed several unauthorized inquiries on my credit report. I am asking they be removed. As a customer I am fully aware of my rights under the fair credit reporting act ( FCRA ) and have identified inquiries listed below that I did not authorize. The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
RentDebt Automated Collections , LLC is attempting to collect and report an invalid debt to the credit bureaus. When I requested validation of the debt, they failed to provide a complete and signed contract or a chain of ownership, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-02-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  by the name of XXXX and assistant XXXX told us that we are able to leave the complex XXXX weeks before our lease ended to avoid any interruptions. XXXX harassed us on a daily along with other tenants. XXXX would get mine and other tenants cars towed on a daily. XXXX sends out charges that arent accurate or she doesn't provide written forms. it was the worst experience living there, she tortured the whole complex but my building got the most heat because its in the front of the complex by the office. so XXXX stated she will help us get out of our lease if we agreed to leave a certain date, write a letter to them stating we agreed to leave on a certain day. we complied with the agreement and left with no damages or harm. i received a call from XXXX requesting that we pay her for water damages to the apartment that were on the ceiling. Myself, the joint tenant and our XXXX XXXX XXXX daughter lived at the XXXX apartment. we also reported so many times and nothing was done about it. i know XXXX and XXXX helped each other out to get money out of us and others due to the company facing charges and upcoming lawsuits at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Recovery Solutions Group, LLC
State: MN

Complaint narrative:
On XX/XX/XXXX I received a call from this number, XXXX. I asked who was calling and got a very brief, short answer. The man said his firm is working for XXXX, a mitigation company. That XXXX was looking to put a lien against my property and that his firm assists with this. I thought he may have been a lawyer from his wording. I asked if they were a debt collector. They evaded the question. Doubling back on what he had said previously. 
The individual disclosed a debt owed to XXXX, without verifying whom he was speaking with. 

I received an email from him, XXXX XXXX. XXXX XXXX works for RSG, Recovery Solutions Group , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  RSG is a debt collector, XXXX XXXX failed to disclose in our six-minute conversation that he is a debt collector. 
XXXX failed to disclose the company he worked for. 
XXXX failed to identify whom he was talking to. 

What XXXX did is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. 

Details of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.

Under the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.

Instead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). 
The failure to provide this information constitutes a violation of my consumer rights under the FCRA. 

Violations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax, Experian TransUnion and for failing to properly investigate and remove inaccurate, unverifiable, and negative items from my credit report. Despite my dispute and request for verification under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau has failed to provide appropriate investigation findings and has not supplied any documentation proving the accuracy of the disputed items. 

Details of My Dispute On XX/XX/XXXX, I submitted a dispute letter to Equifax, Experian TransUnion, requesting an investigation into several negative items on my credit report.

Under the FCRA, 15 U.S.C. 1681i, the credit bureau was required to conduct a thorough investigation and provide supporting documentation from the original creditor verifying the accuracy of the reported items.

Instead of providing proper verification, Equifax, Experian TransUnion responded with a generic statement that the items had been verified without supplying any proof, account agreements, or creditor documentation as required by FCRA Section 609 ( 15 U.S.C. 1681g ). 
The failure to provide this information constitutes a violation of my consumer rights under the FCRA. 

Violations Committed by [ Credit Bureau Name ] 1. Failure to Conduct a Proper Investigation ( FCRA 611, 15 U.S.C. 1681i ) The credit bureau did not conduct a reasonable investigation

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