vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information contained in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report.

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question. ] Pursuant to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified.

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes.

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

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 2025-02-24 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information contained in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request an investigation of inaccurate information appearing on my credit report.

The disputed information is as follows : [ Provide details of the disputed items, including account names, numbers, and the inaccuracies in question. ] Pursuant to my rights under the FCRA, I request that you investigate and correct these inaccuracies or delete the disputed information from my credit report if it can not be verified.

Additionally, I would like to raise concerns regarding the fairness and adequacy of 1681s-2 ( a ) ( 8 ) and 1681j ( a ) ( 1 ) ( A ) of the FCRA : Section 1681s-2 ( a ) ( 8 ) : This provision limits a consumers ability to dispute inaccurate information directly with data furnishers. The restriction undermines consumer rights by preventing direct engagement with entities that supply potentially erroneous data. It places undue reliance on credit reporting agencies, which may not have sufficient motivation or resources to thoroughly investigate disputes.

Section 1681j ( a ) ( 1 ) ( A ) : The fee requirement for obtaining credit reports can impose an unnecessary burden on consumers attempting to monitor their financial health. Given the significant impact that credit reports have on individuals ' economic opportunities, access to these reports should be more readily available without financial impediments. 

These statutory limitations raise questions about the fairness of the credit dispute process and the extent to which consumers can effectively ensure the accuracy of their credit reports. I urge your agency to recognize these concerns and work toward a more transparent and consumer-friendly dispute resolution process. 

In accordance with the FCRA, I expect a response within 30 days of your receipt of this letter. Please provide me with written confirmation of any corrections made or an explanation if the disputed information is verified as accurate. If you require any further information, please contact me at the details provided above. 

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 2025-02-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Disputed collections on my credit reports with each bureau for charges reflecting on my report from companies I am aware I do not have accounts with. 


Dates Actions were taken XX/XX/XXXXXXXX XXXX XXXX XXXX LVNV Funding in C/O Resurgent 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've been going back and fourth with TransUnion to get these negative items that are not mines off my credit file. I requested validation multiple times by FCRA and these disputes have gone well beyond validation time frame. Every time I call, they make a reason for why they cant access my credit file and do anything, that they working on it, and to keep waiting. I called today and it ended with the same excuse that they cant access my file. The rep said there was a problem that they had the wrong social security number on file on top of all the problems we already are facing. The rep said they going to call me which they never do. I paid credit repair agent for dispute letters for the inquiries and collections, I disputed through XXXX XXXX and directly through TransUnion dispute portal all for it to be months later with no updates, no responses, and no results.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year> in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on XXXX XXXX XXXX - XXXX - I was never late on this at all. To date, I have not received confirmation of the correction nor observed any changes in my credit report. As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my credit score. This situation is a violation of my rights under the FCRA.

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 2025-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate late payment marks that have been reported on my credit file for the following accounts. I have consistently made on-time payments and believe these negative marks are erroneous. Despite my attempts to resolve this issue with the credit bureaus and creditors, the inaccurate reporting remains. 

Details of the accounts with incorrect late payment marks : XXXXXX/XX/XXXX( Account # : XXXX ) Type : Installment Account Opened : XX/XX/XXXX Balance : {$14000.00} Late payment marks reported : XX/XX/XXXX, XX/XX/XXXX ( Incorrect ) XXXX ) XXXX XXXX XXXX ( Account # : XXXX ) Type : Installment Account Opened : XX/XX/XXXX Balance : {$72000.00} Late payment mark reported : XX/XX/XXXX ( Incorrect ) XXXX ) XX/XX/XXXXXXXX XXXX ( Account # : XXXX ) Type : Revolving Account Opened : XX/XX/XXXX Balance : {$0.00} Late payment marks reported : XX/XX/XXXX, XX/XX/XXXX ( Incorrect ) XXXX )XX/XX/XXXX( Account # : XXXX ) Type : Revolving Account Opened : XX/XX/XXXX Balance : {$0.00} Late payment marks reported : XX/XX/XXXX, XX/XX/XXXX ( Incorrect ) I have always paid my obligations on time and have never missed any payments. These errors are negatively affecting my credit history and financial well-being. I have already disputed these inaccuracies with the credit bureaus and the creditors, but they have not been 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 explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to report Absolute Resolutions Corporation and their lawyer XXXX XXXX XXXX has been harassing me and filing lawsuits to collect a debt. They do not have my authorization to collect anything from me. There is not a wet signed contract between myself and these two entities. I am asking that they stop the harassment and defamation. I have asked twice now. They just assign a new lawyer and come at me again. This debt was covered under insurance and written off. that you immediately cease all further communications with me regarding this matter. I have reported them to the XX/XX/XXXX and my attorney general for this harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 am writing to formally dispute the account listed on my credit report, as it was opened without my authorization and is the result of fraudulent use of my identity. This is a serious issue, and I demand that you take immediate action to remove this fraudulent account from my credit report. I did not authorize this account, and it is vital that it is removed to prevent further harm to my credit and financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX, a XXXX form from XXXX, XXXX XXXX XXXX  , XXXX  was received at my previous address. The amount on the form was for {$XXXX} and it included my correct name and last XXXX digits of my social. However, I never opened an account with this company. That same day, I contacted the company by phone at XXXX and explained to them that I suspected someone else opened an account with my name and my social security number. She asked me for my email address and sent me a message to which I replied with a picture of the form I received. After confirming that she received the picture, she stated she would forward it to their fraud department and I should hear back from them within XXXX business days. She provided me with ticket number XXXX XXXX, I got an email from XXXX XXXX XXXX XXXX XXXX XXXX my local law enforcement and provide the following information to them : XXXX, Block , Inc . 
Attn : Counsel Investigations XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX : XXXX On XXXX, I received another email from XXXX XXXX XXXX XXXX to contact Cash App at XXXX. On XXXX, I contacted Cash App and spoke to XXXX and explained the situation to her ; however, she stated she couldnt really help me because I didnt have the correct email address to the account I was calling about. The only thing she could do was to email me a questionnaire, so that an investigation could be started on their end. On XXXX, I contacted both companies again, but wasnt given any updates or information on my case. Up to this date XXXX, I havent heard anything back from XXXX XXXX XXXX Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
Im just trying to figure out why my medical debt is still on my credit report after the new law was passed for it to be removed

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 2025-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I bought a cd in XXXX with the specific understanding that the interest would not be 1099 until the maturity in XXXX, I had multiple conversations before I bought the cds. 
They did not pay the interest until XX/XX/XXXX but they sent me a 1099 for tax year XXXX. I inquired XXXX  to understand why they did this, both times before I could even explain my situation they had a rehearsed response, how many other people have they done this to? 
This cost me a substantial amount of money in IRS penalties and taxes. If they had told me the truth I would have bought the cds from another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
My account ( same email : XXXX ) was blocked on XX/XX/XXXX because I needed to verify my identity. 

I submitted my identity information ( passport, employment letter, etc ) and Coinbase has not gotten back to me and my account remains blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: DISCOVER BANK
State: NJ

Complaint narrative:
My Discover Credit card account was Closed & Charged off on XX/XX/2021 and I have settled the account for less than the owed balance and they have update the balance to XXXX $ in XXXX and XXXX but they have reverted it back to $ XXXX in XXXX report. 
I have disputed it multiple times and i havent had a proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I had an injury occurrence on my job at XXXX XXXX XXXX, XXXX My supervisor called an ambulance XXXX XXXX XXXX XXXX, XXXX XXXX. I was taken to the XXXX XXXX XXXX, XXXX XXXX I was later billed by XXXX XXXX. The debt was sold to Franklin Collection. 
The debt is {$1200.00} The injury took place in XXXX The debt is currently reflected on XXXX XXXX I have disputed this debt with no positive results in addition this is a medical debt that continues to remain on my credit report after the new ruling of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing the following negative items on my TransUnion credit report, which I believe are likely the result of a data breach. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a thorough investigation into these inaccuracies. If any inaccuracy is identified, TransUnion must remove or block these items from my credit report to ensure the information reported is 100 % accurate. 

I am not simply requesting a generic notice that an investigation has been completed. I demand a detailed explanation of every step taken in this investigation, including how each disputed item was verified, what sources were contacted, and what documentation was reviewed. Transparency is non-negotiable. 

Failure to comply with FCRA regulations could result in further action. I expect prompt and complete resolution of 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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
My XXXX XXXX went from XXXX to XXXX on XXXX XXXX. I had a bit more credit card usage, so I stopped using them. I noticed there was not much change in my credit score, so after looking into it further, I noticed I had a hard credit check in XX/XX/year> with XXXXXXXX XXXX I don't know who this is and why a hard credit check was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: AZ

Complaint narrative:
I am formally disputing the following negative items on my Equifax credit report, as I strongly believe they are the result of a data breach. These inaccuracies are unjustly impacting my credit profile, and I am demanding immediate corrective action.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I am not requesting a generic notice that an investigation has been completedI demand a full and transparent explanation of every step taken in this investigation, including what sources were contacted, what documentation was reviewed, and how each disputed item was verified. Given Equifaxs documented history of noncompliance, I will not accept any superficial or automated verification process.

I expect Equifax to take this dispute seriously and ensure full compliance with FCRA regulations. Any failure to properly investigate and correct these inaccuracies will leave me with no choice but to escalate this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was stolen and credit was open in my name that I didn't authorize

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 2025-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My information was stolen and credit was open in my name that I didn't authorize

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