vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized item is removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its unrelatedness to any of my transactions. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 am a victim of human trafficking of Debt Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$650.00}

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. XXXX XXXX {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent several letters via XXXX certified mail ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) regarding my contract, my payment of the loan, and requesting XXXX XXXX report to the credit report agencies that the loan has been paid in full. I paid for the truck and received overpayment checks from XXXX, the lien release letter from XXXX XXXX, I have a lien-free title, and the New York State Dept . of Motor Vehicles Lien Status Report verifies that I own the truck free and clear.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent several letters via XXXX certified mail ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) regarding my contract, my payment of the loan, and requesting XXXX XXXX report to the credit report agencies that the loan has been paid in full. I paid for the truck and received overpayment checks from XXXX, the lien release letter from XXXX XXXX, I have a lien-free title, and the New York State Dept . of Motor Vehicles Lien Status Report verifies that I own the truck free and clear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
I have sent several letters via XXXX certified mail ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) regarding my contract, my payment of the loan, and requesting XXXX XXXX report to the credit report agencies that the loan has been paid in full. I paid for the truck and received overpayment checks from XXXX, the lien release letter from XXXX XXXX, I have a lien-free title, and the New York State Dept . of Motor Vehicles Lien Status Report verifies that I own the truck free and clear.

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 2025-02-03 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: FL

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app my biweekly check was going to this account and one day I was trying to pay a bill but it stating that no funds available. I XXXX  contact information I given a number when I got in contact with a agent he said he will help me with my problem. He asked for all my login info told my account is good know before I got off the phone my hold pay check gone. I almost had a XXXX XXXX. I tried calling back they will answer and hang up. Thats when I realize it was a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.Opensky has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.Opensky has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MA

Complaint narrative:
XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.Opensky has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-02-03 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: NY

Complaint narrative:
I am filing this complaint against Experian for failing to properly investigate and correct inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i - FCRA, Section 611 : Failure to conduct a reasonable investigation of disputed information.

15 U.S.C. 1681e - FCRA, Section 607 : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681c - FCRA, Section 605 : Reporting outdated or unverifiable information. 

I used XXXX, an automated credit dispute service, to challenge multiple inaccuracies on my Experian credit report. Despite my valid dispute, Experian failed to correct the errors or provide proper verification of the disputed accounts. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  ( Acct : XXXX ) Incorrect past due balances and inaccurate payment history. 
XXXX XXXX XXXX XXXX ( Acct : XXXX ) Misreported credit limit and outstanding balance. 
XXXX XXXX XXXXXXXX ( XXXX Account ) ( Acct : XXXX ) Incorrect charge-off status ; account was settled. 
XXXX XXXX XXXX ( Closed Account ) ( Acct : XXXX & XXXX ) Wrong past due amount and charge-off reporting. 

Experians Violations : Despite my previous dispute via XXXX, Experian : Did not provide proof of a reasonable investigation ( 15 U.S.C. 1681i - Section 611 ).

Continued reporting incorrect information without proper verification ( 15 U.S.C. 1681e - Section 607 ).

May have reinserted previously deleted inaccurate information without required notice ( 15 U.S.C. 1681c - Section 605 ). 

Furthermore, the CFPB sued Experian in XX/XX/year> for similar violations, stating that Experian routinely mishandles consumer disputes and fails to conduct legitimate investigations. My experience aligns with these allegations, and I believe Experian is continuing to operate in non-compliance with federal law. 

How This Has Affected Me My credit score has been negatively impacted, leading to loan denials. 
I have been denied credit and financial opportunities due to XXXX negligence. 
XXXX failure to correct these inaccuracies has cost me money, time, and financial stability. 

What I Want Experian to XXXX XXXX a proper, lawful investigation of my dispute and provide proof. 
Remove or correct the inaccurate items immediately. 
Explain why these errors were not properly addressed after my XXXX dispute. 
Provide documentation proving compliance with FCRA Sections XXXX, XXXX, and XXXX. 

Supporting Documents I am attaching my credit report as evidence. I also request that the CFPB direct Experian to provide documentation of their previous investigation related to my XXXX dispute. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-02-03 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-02-03 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: AZ

Complaint narrative:
Experian is not removing inaccurate and invalidated information on my credit report report. Please remove all addresses, names and phone numbers not associated with me. My Drivers License will verify my home address, which is attached to this complaint.

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 2025-02-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. Can you please investigate this matter. 

XXXX ) [ XXXX XXXX NA XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 2 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 3 ) XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of XXXX USC 1681b 4 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 5 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 6 ) [ XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 7 ) [ XXXXXXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 8 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 9 ) [ XXXX XXXX NA XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 10 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 11 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 12 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b

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 2025-02-03 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:
I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. Can you please investigate this matter. 

XXXX ) [ XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 2 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 3 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of XXXX USC 1681b 4 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 5 ) [ XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 6 ) [ XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 7 ) [ XXXX XXXXXXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 8 ) [ REPRISE FINANCIAL/WEBBAN XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 9 ) [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 10 ) [ XXXX XXXX XXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 11 ) [ XXXX XXXXXXXX XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b 12 ) [ XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681b

Company response to consumer: Closed with explanation