vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Ga XXXX ] [ XXXX ] XXXX [ XXXX ] [ Experian ] XXXX XXXX XXXX [ XXXX, TX. XXXX ] Subject : Dispute of Inaccurate Information on Credit Report 15 U.S.C. 1681o Dear Sir/Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my report and found the following inaccuracies, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, relating to civil liability for violations. 

Item to be Disputed : [ XXXX XXXX XXXX ] Nature of the Dispute : I believe the information is inaccurate, including details like incorrect account balances, dates, or the presence of accounts that do not belong to me. ] Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and correct any errors. The information in question does not accurately reflect my financial history, and I am requesting the removal or correction of the disputed information. 

Additionally, I would like to remind you that under 15 U.S.C. 1681o, I am entitled to civil liability for any damages caused by the inclusion of inaccurate or unverified information on my credit report. If the dispute is not resolved in accordance with the FCRA, I will consider all available options for seeking redress, including legal action. 

Please conduct a full investigation and provide me with written confirmation of the resolution, including a copy of the updated credit report once the dispute is resolved. 

Enclosed are copies of the relevant documents supporting my dispute, including [ any documentation you are submitting such as billing statements, letters, or court documents ]. 

Thank you for your prompt attention to this matter. Please provide me with the results of your investigation within 30 days, as required by law. 

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 2025-02-11 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX  XXXX Balance Owed : {$780.00} AFFIRM INC XXXX Balance Owed : {$400.00} AFFIRM INC XXXX Balance Owed : {$190.00} AFFIRM INC XXXX** Balance Owed : {$340.00} AFFIRM INC XXXX Balance Owed : {$130.00} AFFIRM INC XXXX Balance Owed : {$210.00} AFFIRM INC XXXX Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management has been harassing me for years over a debt that isn't mine. They ignore all requests for validation and send threatening letters and harass me on the phone. They are vulgar and disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX of 2024 I made a purchase through XXXX for an XXXX I wanted to rent out for a night. I paid with my capital one credit card and then later noticed I booked the wrong dates. I decided to message the property owner about changing dates and they never answered me. I tried emailing them which I had proof of, I also called several times and left voicemails which I also had proof of. I began to search and realized this property was a scam. I looked up this property and saw it on XXXX for rent and called the number it showed on the listing and was told by a realtor I was being scammed. Until this very day I still have not heard anything from this XXXX owner. I have contacted XXXX  serval times and they tell me the same thing which is that I have to wait for the property to agree to refund me. I disputed with capital one and they have sided with the merchant even after all the proof I have sent them. It is very frustrating knowing i have no protection from this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
I disagree w/ the acount list below which still appears on my credit report, even after your investigation. I would like this immediately re investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX ACCT # XXXX  XXXX In accordance with the fair credit reporting act, publish law 91-506 title VI section 611 subsection A-D please proivde the names and business addresses of each individual with whom you verifed the above so that i may follow up please send me an updated copy of my credit report after your 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
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Amount owed or after repossession was not verified. One amount was reported to credit during XXXX then the amount increased at the end of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NV

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX Dispute Department, I am writing to formally dispute inaccurate and misleading information that remains on my credit report despite my previous attempts to correct these errors. My experience aligns with the allegations in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX for failing to reasonably reinvestigate consumer disputes and ensure the accuracy of credit report information. 

I have enclosed a copy of my credit report, highlighting the specific items that are incorrect. These inaccuracies include 'SOUTHWEST CREDIT SYSTEMS '. 

According to the Fair Credit Reporting Act ( FCRA ), XXXX is required to : Conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ).

Forward all relevant information to the furnisher of the disputed data ( 15 U.S.C. 1681i ( a ) ( 2 ) ). 

Delete or correct any information found to be inaccurate, incomplete, or unverified ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Provide a clear and accurate notice of the reinvestigation results ( 15 U.S.C. 1681i ( a ) ( 6 ) ).

Despite these legal requirements, I have received dispute resolution responses from XXXX that are vague, contradictory, and fail to properly address my concerns. Specifically : My disputes were not thoroughly investigated, and relevant supporting documents were ignored. 

Incorrect information remains on my report without adequate justification. 

The results letters I received did not clearly explain what, if anything, was updated or corrected. 

As a consumer, I have the right to an accurate credit report and a meaningful dispute resolution process. Therefore, I demand that XXXX promptly : Conduct a thorough reinvestigation of the disputed items. 

Remove or correct any inaccurate, incomplete, or unverifiable information. 

Provide me with a clear and detailed response outlining the resolution of my dispute. 

Failure to comply with the FCRA could result in legal action, including reporting this matter to the CFPB, the Federal Trade Commission ( FTC ), and pursuing other remedies available under the law. 

I expect a written response within 30 days, as required by the FCRA. Please mail the updated credit report and a detailed explanation of your findings to my address above. If you need additional information from me to resolve this dispute, please contact me immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effectively 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
XX/XX/year> Company name : XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX Dispute of Civil Liability for Negligence Section 1681o I am writing to formally dispute the claim of civil liability for negligence under section 1681o of the Fair Credit Reporting Act ( FCRA ) that has been filed against me. I believe the claim is erroneous and does not reflect a valid complaint under the provisions of the FCRA.

As per 15 U.S.C. 1681o, individuals or entities may be held liable for negligent violations of the FCRA. However, I contend that the circumstances surrounding this claim do not warrant such liability, and no negligence or violation has occurred on my part. 

I request that the matter be reviewed and the claim be dismissed. In addition, I ask that you provide clear documentation supporting the claim of negligence, including the specific incident, evidence, and a clear explanation of how the alleged violation occurred. Furthermore, please outline how this alleged negligence caused harm to the complainant and why this should lead to liability under the FCRA. 

Please respond to this dispute promptly in accordance with the legal timeframes set forth in the FCRA. I would appreciate a written response addressing my concerns, as well as confirmation that this dispute is being properly handled and that no further actions or claims will be made against me. 

Thank you for your attention to this matter. I look forward to your response and the resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
XX/XX/year> Company name : XXXX XXXX XXXX XXXX, PA XXXX Account # XXXX Dispute of Civil Liability for Negligence Section 1681o I am writing to formally dispute the claim of civil liability for negligence under section 1681o of the Fair Credit Reporting Act ( FCRA ) that has been filed against me. I believe the claim is erroneous and does not reflect a valid complaint under the provisions of the FCRA.

As per 15 U.S.C. 1681o, individuals or entities may be held liable for negligent violations of the FCRA. However, I contend that the circumstances surrounding this claim do not warrant such liability, and no negligence or violation has occurred on my part. 

I request that the matter be reviewed and the claim be dismissed. In addition, I ask that you provide clear documentation supporting the claim of negligence, including the specific incident, evidence, and a clear explanation of how the alleged violation occurred. Furthermore, please outline how this alleged negligence caused harm to the complainant and why this should lead to liability under the FCRA. 

Please respond to this dispute promptly in accordance with the legal timeframes set forth in the FCRA. I would appreciate a written response addressing my concerns, as well as confirmation that this dispute is being properly handled and that no further actions or claims will be made against me. 

Thank you for your attention to this matter. I look forward to your response and the resolution of this dispute. 

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: OH

Complaint narrative:
Several debt collectors have contacted me about debts that we are not mine. We had issues with identity theft and when I asked them to verify the name, date of birth, and SSN associated with the debt and to provide a copy of the credit agreement with wet signature, my requests were ignored. I received threatening phone calls and letters, the debts have been sold off to different companies and the same tactics get used again. I was sued by one creditor and I fought it in court and had it discharged because they could not provide the proper information. XXXX XXXX, XXXX, are the main culprits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
Mohela wont ' respond to emails about a missing {$200.00} payment my employer made even when provided with tracking number showing they accepted the money Mohela won't process my application to move my loans out of Save even though it was submitted on XX/XX/XXXX and won't answer any of my emails Mohela is not updating my student loans with any credit scoring agency. I have paid off a whole loan that has not been reported. Have paid over {$5000.00} that has not been reported to any credit agency which negatively effects my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NJ

Complaint narrative:
This is now my new communication regarding the unauthorized and inaccurate items on my credit report. These entries were added without my consent, knowledge, or authorization. Under the Fair Credit Reporting Act ( FCRA ) Section 605B ( a ), I am entitled to have these items removed within four business days, a list of disputed items. I insist on the immediate removal of the following erroneous items from my report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
I have reached out to Transunion, Experian, and Equifax to fix the billing inaccuracies on this account. The payments has always been made on time. I am reaching out for the late payments to be removed. This account ( XXXX XXXX - XXXX ) is reported on my consumer XXXX credit report wrong. 

Under the FCRA, 15 USC 1681i - Procedure in case of disputed accuracy If the information can not be verified, it must be deleted or 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Equifax and TransUnion are fraudulently reporting inaccurate reports to the identity of XXXX XXXX XXXX XXXX XXXX, The Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and any and all late payments are in accurate. The alleged accounts all mentioned above been filed to the IRS as a charge off and a 1099c has not been issued to XXXX XXXX XXXX as paid income to none of these credit accounts. 

All accounts that are eligible to be be removed have not been removed. 

XXXX XXXX XXXX can not accurately report to the IRS due to no 1099c being provided to report to the IRS on the behalf of 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 2025-02-11 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: IN

Complaint narrative:
I was affected by the equifax data breach and would like this false information on my credit report removed em media telly under the fair credit reporting act code 15 U.S.C. 1681

Company response to consumer: Closed with explanation