vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX and the credit reporting agencies Equifax, Experian, and TransUnion for their ongoing failure to properly investigate and remove inaccurate and unverifiable information from my credit report. 

Nearly five months ago, a debt that I do not recognize or owe, and I requested validation in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) and the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). Despite my repeated requests for proof, the only response I have received from the creditor is a generic account summary, which does not meet the legal requirements for verification under federal law. 

According to the Truth in Lending Act, I am entitled to receive a complete and itemized breakdown of the alleged debt, including the original contract bearing my signature. A summary or printout does not fulfill the requirement for validating a debt. 

Furthermore, under 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, if the debt can not be validated, it must be promptly deleted from my credit report. This has not been done, and as a result, I am experiencing ongoing harm to my credit and financial opportunities. 

I respectfully request the CFPB to investigate this matter and ensure that : The furnisher of the information is required to provide actual documentation proving the validity of the debt. 
If such documentation can not be produced, the item is immediately removed from all of my credit reports. 
Any violations of FCRA or XXXX by the creditor or credit bureaus are addressed with appropriate regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. XXXX confused why you still feel theyre reporting accurately. Please see this accounts is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
Description of What Happened : I am submitting this complaint because a collection agency is attempting to collect back rent that was legally waived in a court settlement. 

On XX/XX/XXXX, in the XXXX XXXX XXXX XXXX XXXX ( Case No. XXXX ), a Stipulation and Order of Judgment was filed between me ( Defendant, XXXX XXXX ) and my former landlord ( Plaintiff, XXXX Market LP ). 

Paragraph XXXX of the court-stamped stipulation clearly states that the XXXX waives claims for any and all rents, fees and costs associated with the tenancy, and daily damages for the Premises through XX/XX/XXXX. The case was dismissed with prejudice, and the stipulation was signed by the judge, both parties, and their attorneys. 

Despite this legally binding agreement, I have been contacted by a collection agency demanding payment of rent that was explicitly waived. I notified the agency of the court agreement and quoted paragraphs XXXX and XXXX verbatim, but they continue to pursue the debt. 

Additionally, on XX/XX/XXXX, my legal representative at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. ) sent a formal letter to the landlords attorney ( XXXX XXXX office ), explaining that the collection activity is in direct violation of the court settlement and requesting an immediate correction. I was CCd on this letter. The letter reiterated that the agency is seeking rent that was legally waived, and asked for confirmation by XX/XX/XXXX. 

To date, I have not received any resolution. The debt remains in collection despite the clear court ruling. 

I am requesting that the CFPB investigate this matter, compel the agency to cease all collection activity, and confirm that this debt is invalid under federal and state law, including protections under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: IA

Complaint narrative:
Multiple overdraft transactions putting negative balance on account. 
Declined payments due to not being able to deposit money due to unknown balance withdrawals for unknown reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
This is a follow-up to a prior complaint I submitted regarding XXXX Mortgage XXXX XXXX XXXX for property taxes I am legally exempt from under Texas XXXX XXXX XXXX. 

I am a 100 % XXXX veteran, and on XX/XX/year>, I was granted a 100 % XXXX Veteran XXXX Exemption by the XXXX XXXX XXXX XXXX, which legally exempts me from all property taxes on my residence. 

I submitted the official exemption letter to XXXX on XX/XX/year>, and confirmed receipt by phone. Despite having all documentation in hand, XXXX continued collecting escrow funds for property taxes. 

On XX/XX/XXXX, I sent a formal demand letter requesting : Immediate adjustment of the escrow account Refund of all funds collected after XX/XX/year> Written confirmation of future compliance with the exemption On XX/XX/XXXX, XXXX responded saying they are researching the issue and wont respond until XX/XX/XXXX, XXXX would be over 60 days since they received my exemption letter. In the meantime, they continue to withhold escrow funds I do not legally owe. 

This response reflects a clear pattern of stalling : First, I was told to wait until XXXX. 

Then I was told to wait until XXXX. 

Now their written response pushes it to XX/XX/XXXX. 

XXXX has had sufficient time and documentation to act. Continuing to collect escrow under these circumstances is not only unreasonableits financially harmful and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: CA

Complaint narrative:
On Sunday morning, XX/XX/year> I began receiving text alerts that I had a late payment. And that my XXXX XXXX had dropped XXXX points. My payment to BMG is through my retirement allotment from XXXX. It's automatically sent on the first of every month. Every few months I go through this with them. On Monday morning, I phoned XXXX. XXXX said I was not showing late. Today, XX/XX/year>, I looked at Transunion. XXXX in fact reported me late. Actually, it shows XXXX being late. It only shows til then. It doesn't even show XXXX or XXXX. I don't trust XXXX with my credit worthiness. They have proven to be dishonest and I want no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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 2025-05-20 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within XXXX ( XXXX ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ).

Please remove unauthorized inquiries. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX  - XX/XX/year> XXXXXXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express agrees with me that i was scammed by a company called XXXX but says that i am responsible to pay the charge of {$4500.00} anyway because the company abided by FTC guidelines. They say that I signed a XXXX agreement which i do not remember signing. I am a woman XXXX XXXX XXXX and am angry and embarrassed that I find myself in this predicament, but I am now in the position of having to pay the original cost of XXXX XXXX airline tickets for {$4500.00} and ALSO pay for the scammer who supposedly rebooked them for another {$4500.00}. I thought I was talking to a XXXX XXXX agent who was helping me apply XXXX to my purchase. He lied to me that he had done that and canceled the previous booking I had made. Instead he left that booking so now I have over {$9000.00} to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-05-20 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: KY

Complaint narrative:
I am requesting the complete removal of a charged-off account from XXXX XXXX XXXX  ( opened XX/XX/XXXX, closed XX/XX/XXXX ) due to multiple serious inaccuracies across all three credit bureaus. 
1. The account is reporting a balance and high utilization well after closure. 
The account was closed in XX/XX/XXXX, yet it is still being reported as if it is open and carrying a balance as of XXXX. This results in a 146 % utilization ratio, which is inaccurate and damaging to my credit profile. 
2. The reported past due status is factually impossible. 
The last payment on this account was made in XX/XX/XXXX. Despite this, the account is showing as past due in XXXX, XXXX, XXXX, and XXXX. This is inaccurate and misleading since the account was closed and charged off years earlier. 
3. Contradictory information exists between bureaus. 
TransUnion lists a high balance of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, long after the closure date. Experian notes invalid dates and a reinvestigation as of XX/XX/XXXX, but the charge-off continues to report inaccurately. XXXX XXXX shows late payments for months and years after the account was no longer active. 
4. Re-aging and unfair extended reporting. 
The original delinquency began in early XXXX, and the account was charged off by XX/XX/XXXX, yet the current status shows it as recently updated and active in XXXX. This suggests the account may be illegally re-aged to prolong its presence on my report. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which requires accurate, complete, and verifiable information. I have disputed this multiple times, and the reporting has not been corrected.

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 2025-05-20 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX XXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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