vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I am filing a formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) and unauthorized actions taken on my credit file. Despite my disputes and supporting documentation, Equifax has unlawfully reinserted fraudulent accounts onto my credit report, failed to remove an unauthorized hard inquiry, and placed a promotional block on my credit file without my consent. 

Details of the Fraudulent Accounts : 1. Creditor : XXXX XXXX  Account Number : XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX Date Reinserted : XX/XX/XXXX 2. Creditor : XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Reinserted : XX/XX/XXXX I initially filed a dispute with Equifax pursuant to FCRA 605B, 605B ( 15 U.S.C. 1681c-2 ) providing all necessary proof of identity theft, including : FTC Identity Theft Report # : XXXX An official police report from the XXXX Police Department Despite receiving this legally sufficient evidence, Equifax refused to block the fraudulent accounts, violating the explicit requirements of FCRA 605B, ( 15 U.S.C. 1681c-2 ) I submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, regarding Equifaxs unlawful reinsertion of fraudulent accounts. Equifax responded on XX/XX/XXXX, stating : XXXX XXXX  account was not currently reporting on my credit report. 
XXXX XXXX account was removed from my credit report. 

Despite this response : On XX/XX/XXXX, Equifax unlawfully reinserted the XXXX XXXX account. 
On XX/XX/XXXX, Equifax unlawfully reinserted the XXXX XXXX  account. 

Equifax failed to notify me within the timeframe required by law, violating : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) which prohibits the reinsertion of previously deleted information unless the furnisher provides certified accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) which requires Equifax to notify me within five business days of reinsertion, which they failed to do. 

Equifax has failed to remove an unauthorized hard inquiry from XXXX XXXX XXXX, dated XX/XX/XXXX Equifax placed a promotional block on my credit report without my authorization, restricting access to credit offers and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear C/O RESURGENT CAPITAL SERVICES, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor.

o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports. 
Thank you for your attention to this matter. I look forward to your prompt and complete response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( 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 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 2025-02-06 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: NC

Complaint narrative:
I want reported accounts removed : XXXX XXXX, XXXX and XXXX, XXXX XXXX XXXX XXXX and 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 2025-02-06 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

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 2025-02-06 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: NY

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-02-06 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed it had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-02-06 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
Requesting TransUnion to block two fraudulent accounts from XXXX XXXX. The loans were opened on XX/XX/year> for {$39000.00} and XX/XX/year> for {$34000.00}. I have given TransUnion over six months to clear this entire situation. The next will be to file a lawsuit against TransUnion Corporation for compensatory damages. Thank you.

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 2025-02-06 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: OH

Complaint narrative:
XXXX XXXX XXXX is reporting a loan as mine that I never cosigned for. It is my sister 's loan. I've tried to get it off my credit report, but they refuse. The debt is over XXXX XXXX XXXX, to begin with.

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 2025-02-06 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: OH

Complaint narrative:
XXXX XXXX XXXX is reporting a loan as mine that I never cosigned for. It is my sister 's loan. I've tried to get it off my credit report, but they refuse. The debt is over XXXX XXXX XXXX, to begin with.

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 2025-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I ask companies XXXX in store XX/XX/year> if my existing card was active because i haven't used it in a while, Customer Service never stated the they would have to run my credit to find out. I'm also having the say issue with Cap ONE NA. Because of those 2 Hard Inquiries on my credit, it stopped me from buying a home for my children and I. Also the dates on my credit report are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
.C. SYSTEM, XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Request for Debt Validation and Cease and Desist Notice under FDCPA and CFPB Guidelines Dear XXXXXXXX XXXX XXXX, This letter serves as a formal request for validation of the alleged debt referenced in your communication and a demand for compliance with my rights as established under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Consumer Financial Protection Bureau ( CFPB ) guidelines.

Request for Full Debt Validation : Pursuant to federal law, I request that you provide complete and accurate documentation regarding the alleged debt, including but not limited to : 1. Assignment and Bill of Sale : o A copy of the original assignment contract or bill of sale proving that your agency has the legal authority to collect this debt.

2. Permissible Purpose : o Proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, showing why and how you accessed or reported information on my credit report.

3. Validation of Debt : o The name and address of the original creditor. 
o A complete and itemized accounting of the alleged debt, including the original amount, any payments made, fees added, and how the balance was calculated.

o Copies of all documents bearing my signature that establish a contractual obligation for this debt.

4. Proof of Collectors Legal Authority : o Documentation demonstrates that your agency is licensed to collect debts in my state.

Cease and Desist Notice : Effective immediately, I hereby demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes, but is not limited to, phone calls, emails, letters, or any other form of contact. 
Furthermore, I demand that no negative information related to this disputed debt be reported to any credit reporting agency. If such information has already been reported, I request that it be removed immediately until this matter is resolved. 
Failure to comply with these demands and legal obligations may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of the Attorney General. 
Please send all requested documentation to my address listed above. If you are unable to provide sufficient validation, I request that you immediately cease collection activities and remove any related negative information from my credit reports.

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp.
State: NJ

Complaint narrative:
I have first investors services inc. my car has been repossessed for XXXX this is the second time that they have taken my car. My care note was XXXX month. The car was for XXXX and I have mad XXXX payments and I had this car since 2020. My loan payment is XXXX is still left which I do not understand why is my loan is still high. As for the UCC 9-609 They are not supposed to take my car without a court order. I also have been asking many times to have my care refinance I kept being told that they do not refinancing. As I conduct my own research they do refinancing. I am currently going through an hardship with my family and I have a child that disable needs and I needed my car to get back and forth to appointments. For my car to be taken for only XXXX. I need some assistance. They also another back took over first investors and I was not properly notified of these changes.

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 2025-02-06 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: IL

Complaint narrative:
I am disputing an inaccurate account listed on my credit report with Experian. Despite my previous attempts to resolve this directly with Experian, the account remains on my report, negatively affecting my credit. 

Account Details : Account Number : XXXX Creditor Name : Radius Global Solutions This account does not belong to me, and there is no documentation verifying its accuracy. Ive requested its removal from Experian but have received no resolution. 

I am aware that the CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence during disputes. In light of this, I am invoking 15 U.S.C. 6802, which mandates consumer reporting agencies ensure the accuracy of consumer information.

I request your assistance in ensuring Experian removes this inaccurate account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ).

Thank you for your attention to this matter.

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 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OK

Complaint narrative:
Federal Student Aid sent me a letter on XX/XX/XXXX telling me that both of my loans were eligible to be discharged because I had met the terms for XXXX. One loan was discharged on XX/XX/XXXX, but the other has not been ( it is now XX/XX/XXXX ). I have called MOHELA several times in the intervening months, and have been told to wait. When I called them in early XXXX, they told me that my loan would be discharged by XX/XX/XXXX. That has not happened. I called them again today ( XX/XX/XXXX ), and after 5 and a half hours on hold, they hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing 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, Transunion 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 Transunion complies with federal law and provides consumers with the necessary proof of 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 2025-02-06 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: FL

Complaint narrative:
I noticed on my credit report there is a credit line that was opened XX/XX/year>. The balance for this account is XXXX XXXX I have never opened a credit line. This is fraudulent with that in mind I have attempted to not only reach out to this company ( XXXX XXXX XXXX, XXXX ) I have also attempted to simply dispute this credit line and prove that it was not me that opened it. I was never updated on this dispute nor given information in return.

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