vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cashapp ( 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 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 2025-01-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have XXXX accounts that I have requested to be removed from my file. Both accounts are over XXXX XXXX XXXX and serve no purpose in my report. Equifax, in their brilliance, has decided that since I filed a dispute for removal and the information was deemed valid by the companies, it will now stay on my credit file for up to another XXXX years. 

XXXX 's last activity was XX/XX/XXXX but since I disputed it this month on XX/XX/XXXX it is now scheduled to stay on my report until XX/XX/XXXX. Equifax can't continue to make and apply rules that contradict the FCRA. 

XXXX 's date of last payment XX/XX/XXXX should have come off XXXX to XXXX years ago but again because I had to dispute the information it is now scheduled to stay on my file until XX/XX/XXXX. 

Why does Exquifax feel it can do whatever it deems to a consumer credit file? If the company sends data saying the sky is blue they put it on your report with no validation and no proof but for a consumer to remove or have accurate information they have to jump through loops and provide documents. Yet, they create rules to continue to manipulate data to ensure consumers ' scores are low to benefit their clients banks, lenders to ensure higher interest rates, and poor creditworthy consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I am using the Wise card for payments during my vacation trip to XXXX. 

Today ( XX/XX/year> ) I received some notifications on the app and when I checked I saw that 4 consecutive withdrawals of {$40.00} were debited from my Wise account, made at XXXX XXXX XXXX. However, I have never been to this location and did not make any withdrawals during the entire trip. 

I contacted Wise and their first response was that the withdrawals were made with the card present, which is impossible, since I have it with me and neither my husband nor I left the hotel today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The financial institution, Wells Fargo, charged me a late fee of approximately {$27.00}. In accordance with the final rule, which I believe took affect in XXXX of last year, financial institutions are not allowed to charge late fees in excess of XXXX dollars. So my complaint is that they charged an excessive late fee twice.

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Debt Validation Letter XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI, XXXX Subject : Debt Validation Request for Account To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of the debt you allege I owe. I do not acknowledge liability for this debt and demand strict proof thereof. Until you provide proper verification, you are required under federal law to cease all collection activities, including but not limited to reporting this debt to credit bureaus, contacting me via phone or mail, and pursuing legal action. 

As required by law, please furnish the following documentation : Validation of Debt : The original agreement bearing my signature that establishes my legal obligation to the alleged debt.

Itemized Accounting : A comprehensive breakdown of the principal, interest, fees, and other charges that comprise the balance claimed.

Creditor Identification : The name, address, and contact information of the original creditor, as well as any documentation showing the chain of assignment if this debt has been transferred or sold.

Authority to Collect : Proof that you are legally authorized to collect this debt, including a copy of any assignment or purchase agreement granting you such authority.

Judicial Actions : A copy of any judgment or court order that may pertain to this matter, if applicable. 
Failure to provide the requested documentation within 30 days will constitute a violation of my rights under the FDCPA and may result in legal action against your agency. Additionally, any continued reporting of this unverified debt to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ), subjecting you to further liability.

Please be advised that I require all future correspondence regarding this matter to be conducted in writing. Any attempt to contact me via phone, electronic communication, or any means outside of written communication will be considered harassment under applicable laws. 

This letter serves as formal notice under the FDCPA. Any attempt to collect an unverified debt is a direct violation of federal law. I expect a timely response with the requested documentation or confirmation that this matter is closed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you regarding a tradeline listed on my credit report that is not being reported with maximum possible accuracy. This is a direct violation of the reporting standards, and I am requesting that you delete this tradeline from my credit report immediately.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I have made several attempts to contact XXXX for reporting inaccurate accounts but they have not been compliant with responding to my inquiries and accounts.CHARGE-OFF DEBT HAS BEEN FILED AND IS NOW TAXABLE INCOME AND CAN NOT BE REPORTED TO MY CONSUMER PROFILE. After informing XXXX of violating my rights, they still refuse to remove the charge-off accounts. It is no longer debt, as it is now taxable income per the IRS. this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-30 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NY

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
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$220.00}

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX : {$220.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Back in XXXX, I spoke with customer service representatives, who informed me that my XXXX payment should have been completed, but for some reason the XX/XX/year> payment was being marked as not qualifying ( Im sitting at XXXX ). They informed me that that indeed should have counted as a payment under the XXXX pause that counted those months towards PSLF, specifically being the last month to count for it. They informed me that the way to get that fixed was to submit a reconsideration form, which I did in XXXX. After not ever hearing any information back, I called and did another reconsideration. I was told that the reconsideration was declined because there was already XXXX opened even though they closed the XXXX XXXX, which was the first XXXX with still no resolution. The person that I spoke to again confirmed that payment should have counted, and that if the reconsideration didnt work, the next step was to file a complaint ( which I did a couple months ago ). I have been going back-and-forth with them. I have also been kicked off of my save plan which I was already on, so I should be on a forbearance with the legal actions that are taking place, but that loan that is sitting at XXXX keeps getting taken off the forbearance. XXXX said that its not on a qualifying plan, even though it was, or I wouldnt be at XXXX payments, and I never changed it myself. I am told that I have a balance due, while I am still waiting on a resolution with this final payment. As a last resort, I requested buyback information to hopefully buy back that final month from XX/XX/year>. I have also not received any correspondence from that. After multiple phone calls and being on hold this is my last resort to try and get somebody to help me.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-30 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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