vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
The defendant company illegally repossessed my vehicle, incurring a breach of peace in violation of UCC 9-609 and the California Financial Code 7507.10. In addition, upon issuance of a 1099-C, the debt is no longer legally enforceable under 26 U.S.C. 6050P, yet the company continues to report the balance on my credit report in violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

Additionally, if the company performed the repossession without a valid present right, this is a violation of FDCPA 15 U.S.C. 1692f ( 6 ), which prohibits the unlawful taking of property without proper legal authority.

The company also failed to conduct a reasonable investigation pursuant to FCRA 15 U.S.C. 1681s-2 ( b ), as it continues to report inaccurate information on my credit report.

This negative information has significantly affected my credit score and my ability to obtain financing. In addition, the erroneous reporting of a debt already discharged represents undue financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 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 proce 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 2025-02-08 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 exposed in a nationwide data breach, which involved the fraudulent handling of my personal identity information being exposed, used, and false reporting from unauthorized creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: AR

Complaint narrative:
My information was exposed in a nationwide data breach, which involved the fraudulent handling of my personal identity information being exposed, used, and false reporting from unauthorized creditors.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX XXXX a transaction for {$490.00} each were used to pay an online merchant. The orders were cancelled the following days. The merchants then issued refunds but were never credited to my XXXX  account. 

On XX/XX/XXXX another transaction for {$830.00} was purchased using my XXXX  account. The transaction was returned to the merchant and a refund was issued. Again XXXX did not credit my account. 

Recent audit of my account lead to the discovery of these 3 transactions. When I reached out to XXXX I began to receive the run around. We sided with the merchant you were already issued it mind you no transaction reflects that. 

As for the XXXX transactions I was told its too late and to speak to the merchant. I called the merchant and they shared that the issued the refund to XXXX 

I have shared the emails from the merchants and have XXXX different answers from XXXX. I let them know I would report this but the ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: OH

Complaint narrative:
We had a payment unknowingly rejected by XXXX on XX/XX/XXXX due to substantial fraud on our checking account ( the payment showed as processed on our online account and via email ) that resulted in a reported late payment. We worked with our bank, XXXX, who refunded dozens of overdraft fees that resulted from the fraud. I submitted another XXXX  payment right away plus contacted XXXX  immediately when we learned of the fraud / discovered that XXXX had rejected our XXXX payment as a result of the fraud. After the fact, we learned that a system error from XXXX ( when we submitted our additional payment on XXXX ) also showed that we had paid on XX/XX/XXXX. XXXX tried to later explain that this was for a reversal of the XXXX payment, but their system did not display anything but the fact that a payment was processed on XXXX ( I have a screenshot of this if XXXX  suggests otherwise ). 

XXXX  customer service indicated they would process a one-month extension to address the issue and bring our account current. We asked them to help fix and prevent any negative credit reporting that might occur as a result of the fraud and corresponding rejected payment. They indicated they were willing to help and just said to contact them again after the extension and payment items were processed. 

However, multiple XXXX reps engaged in a lot of finger pointing when we followed up with them to help us update the negative late payment reported on our credit report. Customer service said the collections team could update our report, the collections team said customer service could update our report, customer service then said the credit managers could help, that team said the credit bureaus would help remove the negative payment info. In the end, nobody from XXXX took accountability to update the payment information. We ended up disputing the negative report with the credit bureaus. The outcome of that dispute appears punitive from XXXX. We submitted our dispute on XX/XX/XXXX and our credit monitoring platform shows that on XX/XX/XXXXXXXX XXXX reported additional late payments in XXXX and XX/XX/XXXX as a result, rather than updating the report to no longer report as late. XXXX has not only NOT helped us in our time of peril, they have made our lives more stressful and difficult.

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 2025-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
had a balance of XXXX, and promotion was due in XXXX. 

Had a few unexpected deaths in XXXXXXXX XXXX, and Lowes cards fell through the cracks. 

Called XXXX to see if they could waive the promotional fee interests. They said i missed the grace period by 4 days. I let them know my situation, and told them i would like to pay the XXXX, and if they could remove the interests, and they said i missed cutoff by 4 days.

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 monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: MA

Complaint narrative:
" Self Financial '' ( and/or any variation of it on my credit reports ) is not legally allowed to conduct any business in the Commonwealth of Massachusetts. They are not registered with the Secretary of the Commonwealth. I have no idea how this account was allowed to report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Original Purchase Agreement Hello,, I hear by dispute the validity of the alleged debt listed below entirely. I also request verification off all alleged debt, specifically a copy of the original Purchase Agreement. A n agreement must be with the original creditor and sign by all parties involved. I am requesting this because I have had different companies reach out to me regarding the same alleged debt. 

XXXX XXXX - XXXX - {$790.00} It is my priority that all such agreements and associated practices fully comply with applicable credit monitoring laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
We value a transparent and compliant business relationship and believe that addressing these matters will ensure that both parties meet their regulatory obligations while safeguarding consumer rights. I am requesting IMMEDIATE Deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You MUST Cease Collection efforts until this alleged debt is validated. You MUST show proof that you legally own this alleged debt and that is accurate and complete. 

To ensure our mutual compliance and the protection of consumer information, we kindly request the following : Provision of Agreement Documents A complete copy of the proposed Purchase Agreement outlining the terms, conditions, and obligations of both parties. 
A detailed copy of the Forward Flow Agreement, including the volume, pricing structure, and scheduled transfer dates for the accounts involved. 
Compliance with Credit Monitoring Laws An explanation of how XXXX XXXXXXXX XXXX ensures compliance with the FCRA, FACTA, and any other applicable credit monitoring laws in its account reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a veteran who is fully covered by VA. This medical debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
My credit report was affected by my information being exposed in the data base

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 receiving bills & debt that do not belong to me. My identity has been compromised.

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 2025-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX REFERENCE # XXXX [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Equifax or Other Credit Bureau Name ] XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Collection Account XXXX XXXX. XXXX Dear Equifax, XXXX I am writing to formally dispute the accuracy of a collection account that has been reported on my credit file. After reviewing my credit report, I believe this account is inaccurate and should be removed. I am disputing this collection under 15 U.S.C. 1679c, which protects consumers from inaccurate reporting, and request its removal from my credit file. The disputed collection details are as follows : Creditor Name/Collection Agency : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$500.00} I am asserting that this collection account is incorrect for the following reasons ( please specify why the collection is not valid or inaccurate, such as " it was never my debt, '' " it was already paid off, '' or " the debt was settled and not reported correctly '' ). Under 15 U.S.C. 1679c, if the debt is not valid or the collection is improperly reported, it should be removed. I am requesting that you investigate this account, and if the debt can not be properly verified, it must be removed from my credit file. Please conduct your investigation in compliance with the Fair Credit Reporting Act ( FCRA ) and inform me of the results. If you find that this account can not be verified or is otherwise incorrect, I request that you immediately remove it from my credit report. Attached are any relevant documents supporting my dispute ( e.g., payment records, settlement agreements, or proof of non-ownership ). I look forward to your prompt response to this dispute and expect your reply within the XXXX time frame mandated by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-08 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: GA

Complaint narrative:
All my information was hacked into the data breach. all the information that was on my cellular phone was compromised. everything is exposed on XXXX and other platforms. all social site have been hacked as well as credit reports/Bureau.

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 2025-02-08 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: GA

Complaint narrative:
All my information was hacked into the data breach. all the information that was on my cellular phone was compromised. everything is exposed on XXXX and other platforms. all social site have been hacked as well as credit reports/Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: DE

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief