vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: PA

Complaint narrative:
I am a victim of identity theft I have spent a lot of money on postal services and printing services to send these companies information required. I have disputed accounts and that are not mines I have provided police report stating I am a victim of identity theft I have also filed a fraud report with the postal service. Nothing has been done they keep allowing my information to be opened and have refused numerous times to block out these fraud accounts.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: PA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute all collections reported on my credit file by [ Name of Collection Agency ]. Additionally, I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requesting the following actions and documentation from the collection agency : 1. Debt Validation : I am requesting full validation of the alleged debt, including a detailed accounting of the amount owed and proof that I am legally responsible for the debt. 2. Purchase Agreement Between the Collection Agency and Original Creditor : I am requesting the purchase agreement or assignment documentation between the collection agency and the original creditor, proving their legal right to collect this debt. 3. Proof of Licensing and Bonding : Please provide evidence that the collection agency is licensed and bonded to collect debts in my state of residence, as required by law. 4. Revocation of Communication Rights : I am revoking the collection agencys right to contact me via phone or text message. All future communication regarding this matter must be conducted through written correspondence only, sent to the mailing address listed above. I expect the CFPB to ensure that this matter is handled with full compliance under the FDCPA and all applicable federal and state laws. If the collection agency can not provide the requested documentation, the debt must be removed from my records and reported accordingly to all credit reporting agencies. Please confirm receipt of this letter and update me regarding any progress or findings related to this dispute. I trust that the CFPB will facilitate a fair and transparent resolution to this matter. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
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: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 2025-01-30 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: SC

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

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : D

ispute of Credit Information Due to Negligence and Non-Compliance ( Section 1681 ) Dear Sir/Madam, I am writing to formally dispute the information reported on my credit file, which I believe to be incorrect due to negligence and non-compliance under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681. On reviewing my credit report, I noticed the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Balance is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance is incorrect. 
XXXX. XXXX XXXX XXXX XXXX : Credit Card : Pay Status incorrect XXXX XXXX XXXX : Credit Card : Loan Type Incorrect Section 1681 of the FCRA requires that credit reporting agencies ensure the accuracy and completeness of the information they report. As per this section, they are obligated to investigate any dispute brought to their attention and correct any errors resulting from negligence or non-compliance. The inaccuracies listed above clearly do not align with my records and/or prior communications with the relevant creditors.

Therefore, I request that you investigate this matter immediately in compliance with Section 1681 and take the necessary corrective actions, which may include : Removing or correcting the inaccurate information.

Providing confirmation of your findings in writing.

Informing the creditors involved of the dispute and your investigation.

Additionally, I request that all necessary corrections be made to my credit file and that any derogatory reporting be amended or removed as appropriate.

Please consider this letter as my formal notice of dispute, and I ask that you resolve this matter as soon as possible. I expect confirmation of the resolution, or updates on the status of your investigation, within 30 days as required by law.

Thank you for your prompt attention to this matter. 
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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect mt true credit history. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When the Equifax Data Breach took place a few years ago I did an online search and found out that my name appeared in the list showing that my information was affected by the breach. I then filled out the claim form and sent to the company. Their response was that my name is not on the list. After that I did an online search again and found out, to my dismay, that my name had in fact disappeared. 

I recently made another online search and found that my name is in fact on the Equifax list of affected names. I contacted the company again recently regarding this. They responded that the deadline has passed for my claim. Subsequently, I did another search and found out that my name which had appeared on the list just a few days before that had, again, disappeared. 

The attempt to exclude me must end immediately. I am requesting that my original claim be taken into consideration and treated as timely and deserving to receive what is owed to me plus damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I opened an account with XXXX in XXXX only used it for a month because the bill they told me it would be was double the cost and out of my budget I cancelled the account with them they waited XXXX  years and then sent my bill {$2900.00} to a collections agency that reported it on my credit spoke to Jefferson capitol and they stayed it was given to there office XX/XX/XXXX at that point the account was XXXX XXXX XXXX way past the statue of limitations and XXXX XXXX has no record of the account because I called them the bill is XXXX XXXX XXXX and I do not owe them {$3000.00}

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have recently received late payment credit alerts on my consumer report : XXXX XXXX XXXX XXXX XXXX # XXXX These companies are clearly in violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 
I did not give you written instructions to furnish this in my credit report. Show proof that I gave you written instructions to furnish this on my credit report or remove. 
Furthermore, the Fair Credit reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( 2 ) Exclusions- except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as a transaction or experience between the consumer and the person making the report. 

This means late payments should not be included in my credit report, because they are transactions. 

The late payments are also inaccurate. I was told by XXXX that I was in good standing. I made a large payment of over {$26000.00} to XXXXXXXX XXXX XXXXXXXX said I did not have to make a payment for a very long time, but I was flagged for multiple late payments by XXXX  account handler XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX claims not to be a collections agency and claims to handle open accounts for XXXX. If this is correct, then there seems to have been a lapse in communication causing multiple inaccurate late reporting on my consumer report. Delete the above late payments from my consumer report. 

These companies are in violation of 15 USC 1681 As I have mentioned before, I have already disputed this matter, and you did not comply. I see that as willful noncompliance. This will be my final attempt. Failure to respond satisfactorily with deletion of the above account will result in legal action being taken against your company, for which I will be seeking compensation for damages per violation for : 1. Fair Credit Reporting Act 15 USC 1681 violation of willful noncompliance- 616. Civil Liability 2. Defamation of Character 3. Negligent Enablement of Identity Fraud 4. Fair debt collection Practices Act 15 USC1692g violations

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: Improper use of your report — Reporting company used your report improperly
Company: Alorica Inc.
State: AL

Complaint narrative:
I have recently received late payment credit alerts on my consumer report : System Services & TechnologiesXXXX XXXX # XXXX These companies are clearly in violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did not give you written instructions to furnish this in my credit report. Show proof that I gave you written instructions to furnish this on my credit report or remove.

Furthermore, the Fair Credit reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a credit report clearly states : ( 2 ) Exclusions- except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section 1681s-3 0f this title, any- ( i ) report containing information solely as a transaction or experience between the consumer and the person making the report.

This means late payments should not be included in my credit report, because they are transactions. 

The late payments are also inaccurate. I was told by XXXX that I was in good standing. I made a large payment of over {$26000.00} to XXXXXXXX XXXX XXXXXXXX said I did not have to make a payment for a very long time, but I was flagged for multiple late payments by XXXX account handler System Services and Technologies. System Services & Technologies claims not to be a collections agency and claims to handle open accounts for XXXX. If this is correct, then there seems to have been a lapse in communication causing multiple inaccurate late reporting on my consumer report. Delete the above late payments from my consumer report. 

These companies are in violation of 15 USC 1681 As I have mentioned before, I have already disputed this matter, and you did not comply. I see that as willful noncompliance. This will be my final attempt. Failure to respond satisfactorily with deletion of the above account will result in legal action being taken against your company, for which I will be seeking compensation for damages per violation for : 1. Fair Credit Reporting Act 15 USC 1681 violation of willful noncompliance- 616. Civil Liability 2. Defamation of Character 3. Negligent Enablement of Identity Fraud 4. Fair debt collection Practices Act 15 USC1692g violations

Company response to consumer: Closed with explanation
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: GA

Complaint narrative:
On XX/XX/25 I was approached by a man in a mall parking lot who offered to fix the dent and scratches on one of my car doors. We exchanged a few words and I went inside the mall to pick something up and once I went out back to my car to find the man had already done some work on my car. This was done without my consent or approval. I told him I felt uncomfortable and wanted to leave but he told me the work was basically done and told me that I owed him {$1000.00}. I was alone and felt pressured so I sent him the money via Block Inc. 's Cash App for my safety. I have reported this transaction to Cash App 's customer service department multiple times and each time I was denied with little reasoning and no proof of an investigation on the recipient and their account. Their transaction report form has very limited options which allows them to deny claims based on technicalities. There is also no option to speak to someone directly to resolve the issue.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
The bill was paid in full to XXXX before it was ever sent to collections. However, it was still wrongfully forwarded to Credit Collections. I have never had any communication with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on this account that I was in fact paid on time.

The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint for the following account and dates. 

XXXX XXXX XXXX Account # XXXX Late Payment XXXX XX/XX/year> Late Payment XXXX XX/XX/year> I'm now requesting you investigate this account and update these late payments to paid on time immediately. Thank you for understanding and prompt action.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care Credit aka Synchrony Bank has notified me that they have reported my two previous complaints about their services to the 3 major credit reporting agencies. I do not believe that they should be allowed to do this because this debt was for medical procedures and therefore considered not reportable to the three credit bureaus.l feel that they have used these procedures to punish me for filing my complaints with the CFPB. 

Thanks 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