vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear EXPERIAN, Re : Dispute of Inaccurate Information and Failure to Properly Investigate I am writing to express my disappointment and frustration with the investigation conducted by your agency regarding my dispute of inaccurate information on my credit report. This letter serves as a follow-up dispute and a formal complaint.

In 2024, I initially disputed the following item on my credit report : - XXXX XXXX  for the amount of XXXX In response, your agency stated that the disputed item ( s ) were verified as accurate. However, I strongly believe that this conclusion was reached without a thorough investigation, as the information provided by the furnisher is incorrect.

Furthermore, I request that you take the following steps : 1. Conduct a thorough re-investigation of the disputed item ( s ).

2. Provide me with a copy of the documentation used to verify the disputed information.

3. Remove or correct the inaccurate information on my credit report.

Failure to properly investigate consumer disputes is a violation of the Fair Credit Reporting Act ( FCRA ). I request that you take immediate action to correct this matter.

Please find the required documentation to support my dispute attached to this letter. I would appreciate it if you could look into this matter urgently and respond to me within 30 days. 

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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I received a IRS Form 1099-K stating that I had an account with cash app. Account number XXXX I never set this up. I do not have a cash app account! 
According to the 1099-K Form Block , Inc. f/k/a Square Inc XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX had XXXX payment transactions into cash app account XXXX ( the account set up in my name by ID theft ) in XXXXXXXX XXXX XXXX for a total of {$10000.00} I did try to call cash app. the call taker would not take my name the account number, but told me he opened a fraud case. Not sure how he did that without any information. Would not let me speak to a supervisor. I called my ID theft protection agency, and they got the run-a-round also.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted the credit bureaus to dispute inaccurate addresses and dates of birth, but they have failed to update and change this information after I submitted documentation.

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : XXXX XXXX  Correct DOB : 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 2025-01-24 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: Westlake Services, LLC
State: IL

Complaint narrative:
Do not authorize the dealer to check on any other lender other than XXXX. So I want this checkup to be eliminated. I talked to the dealer 's manager and he said he couldn't do anything since the seller didn't tell him that. Then I want the immediate elimination of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, Experian, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : XXXX and Experian report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards. 
Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter.

Sincerely, 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( XXXX, Experian, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : XXXX and Experian report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors. Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report.

Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX, XXXX, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX : Account Number XXXX, which has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize this account, collection, or hard inquiries as reported. The aforementioned account, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.

All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that this consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.

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

Complaint narrative:
App ( Block, Inc. ) due to inadequate customer 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 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT.

I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is
again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; Lvnv funding XXXX XXXX  {$570.00} If you accept my request, I will not escalate this matter to Federal Court . In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308

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

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( TransUnion, XXXX, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : TransUnion and XXXX report {$1400.00}, while XXXX incorrectly lists {$0.00}.

Last Reported Dates : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter.

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX Account ( Account Number : XXXX ) Dear CFPB, I am submitting this formal dispute regarding the inaccurate reporting of late payments for the XXXX account ( Account Number : XXXX ) on my credit report. Upon careful review, I have identified multiple discrepancies that fail to accurately reflect my payment history and account details, and I request immediate correction of these inaccuracies.

Nature of the Complaint Inaccurate Late Payments : The credit report shows 30-day late payments for XX/XX/XXXX and XX/XX/XXXX across all three bureaus ( TransUnion, XXXX, and XXXX ) . These late payments are false as I have consistently made timely payments, and my account has been enrolled in autopay, ensuring payments are processed on or before the due date.

Discrepancies in Account Details : High Credit : TransUnion and XXXX report {$1400.00}, while XXXX incorrectly lists {$0.00}. 
Last Reported Dates : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment Status : All three bureaus indicate the account is current, contradicting the reported late payments.

Violation of Federal Laws : Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of late payments violates my rights under 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which require credit reporting agencies and furnishers to ensure maximum accuracy in consumer reports and to promptly correct any errors.

Truth in Lending Act ( TILA ) : The misrepresentation of my payment history breaches TILA 's requirement for truthful and accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation of my account history, potentially violating FDCPA standards.

Requested Resolution To resolve this matter, I am requesting the following actions : Immediate Removal of Late Payments : Remove the reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report.

Correction of Account Details : Align the high credit amounts, last reported dates, and any other discrepancies across all three bureaus to reflect accurate and consistent information.

Confirmation of Investigation Results : Provide a written confirmation within 30 days, as required under the FCRA, detailing the results of your investigation and the steps taken to resolve these inaccuracies.

Failure to address these discrepancies and ensure compliance with federal consumer protection laws may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your prompt attention to this matter.

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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