vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: VA

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : XXXX XXXX XXXX TransUnion and XXXX for FCRA Violations Dear CFPB, I am writing to formally file a complaint against TransUnion and Equifax for violations of the Fair Credit Reporting Act ( XXXX ) under XXXX XXXX Code XXXX and other relevant sections. Despite my repeated efforts to ensure the accuracy of my credit report, both agencies have failed to adhere to the standards set forth by the FCRA, leading to significant harm to my creditworthiness and financial standing. 

**Details of the Complaint : ** XXXX. **Negligence in XXXX XXXX XXXX : ** Both TransUnion and Equifax have negligently failed to comply with the requirements of the FCRA XXXX Specifically, they have refused to report accurate information regarding my accounts. Enclosed is a letter from XXXX XXXX XXXX confirming that these agencies have not included my account information in my credit report. 

XXXX. XXXX XXXX : ** I have also experienced incomplete reporting of my credit history. Certain accounts were deleted from my credit report without justification, which has shortened my credit history and adversely affected my XXXX XXXX. This behavior is a clear violation of FCRA XXXX ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

XXXX. XXXX XXXX of Disputes : ** I have filed disputes regarding inaccurate information on my credit report, yet both agencies failed to conduct thorough investigations as required by the FCRA XXXX Their processes limited my ability to articulate the discrepancies effectively, and they often ignored relevant information I provided. This disregard for consumer rights reflects systemic issues within their reporting practices. 

XXXX. **Previous Violations and Consequences : ** Furthermore, I am aware of the CFPBXXXX previous actions against Equifax XXXX including the {$15.00} XXXX penalty for improper investigations of credit reporting errors. This history raises concerns about the agencies ' commitment to compliance, and it is evident that these violations continue to harm consumers. 

Given these serious infractions, I urge the CFPB to take appropriate action against TransUnion and Equifax for their continued failure to comply with the FCRA. Consumers deserve accurate credit reporting and fair treatment, and these agencies must be held accountable for their actions. 

I appreciate your attention to this matter and look forward to your prompt response. Enclosed are copies of all relevant documents, including correspondence with both agencies and evidence of the inaccuracies in my credit report. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: GA

Complaint narrative:
This was about XXXX XXXX ago I cant remember the correct date but I was paying XXXX a month for internet service on a program and XXXX changed there services I wasnt aware of it and they started charging me 3 times the amount they cut the service off but still tried to charge me XXXX dollars..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-13 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: DE

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. I regularly check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Due to this issue, I request a thorough review of the documents Ive submitted so that I wont have to deal with this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-13 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I initially attempted to transfer my funds from my Money Network account but was unable to do so because the system indicated that my debit card was not activated. I contacted customer service to activate it, but they informed me that they would send me a new card instead. However, I never received the replacement card. 

Since I still needed access to my funds, I requested that a check be sent to me instead. Instead of receiving the check, I was notified that my account had been closed. The notification also stated that I needed to call back to verify my address, even though they already had the correct address on file. 

At this point, I was also unable to log in to my account. The system locked me out, claiming that I had made too many login attempts, despite using my auto-saved username and password. After waiting for a few hours, I tried again using the exact same auto-saved credentials, and it workedindicating a clear issue with their system. 

I then called Money Network again and was told by a representative that I needed to be transferred to the escalation team. After waiting on hold for two hours, I called back and spoke with another representative, who was able to void the check and re-add the funds to my account. However, I was then informed that I would need to wait another five days for the check to be sent out again, on top of the additional time for delivery.

This entire process has now been going on for four months, and I am still unable to access my funds. The repeated delays, system errors, and lack of responsiveness from Money Network have caused significant financial hardship and frustration. I am requesting immediate action to ensure that my check is processed and delivered without any further delays. 

Additionally, Money Network needs to address the login system errors, extended hold times, and communication failures that have made this situation even more frustrating.

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 2025-02-13 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. CREDIT ACCEPTANCE CO, XXXX XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-13 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: TX

Complaint narrative:
Dept of education was deleted off my credit XXXX. 
Then all of sudden it re appeared back on my credit? My credit was very healthy untill they keep reporting this.. Im trying to see how the deleted it for it to re appear on my credit im confused

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 2025-02-13 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: Kikoff Inc.
State: FL

Complaint narrative:
KikOff told me to file a claim with CFPB to get the account removed, after filing the report, they denied the removal. KikOff asked me to provide a police report, after providing the police report they still denied me. Now I'm asking KikOff to send me the proof that they have as a last resort, and after that I'll be forced to take them to court. KikOff report fake tradelines to the consumer credit agencies in order to give unworthy people some type of primary tradeline that they do no deserve. KikOff operates under unethical business practices and no matter what documents you provide they'll do their darndest job to have the victim at fault. All KikOff had to do is look at the police report number provided and they would see that the man that stole my purse at XXXX XXXX was released in XXXX. Not only that but a XXXX swap was done to my cell phone and I couldn't use my cell phone for a week and a half. All my email accounts were stolen and even my bank account was used to open a XXXX XXXX Credit card in my name all in XXXX between XXXX and XXXX. Please provide me with the documentation that you guys have that says that I'm responsible for this account and I need these docs within 10 days or you need to remove this tradeline from my consumer report ASAP. 

XXXX is saying that XXXX XXXX did 5 parent plus loans under my name. My name is XXXX XXXX not XXXX XXXX. I need a document with my signature showing that I approved 5 parent plus loans. I need these documents in 10 days or this account needs to be removed from my consumer credit report ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX - XXXX - {$1100.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate 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 non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: AR

Complaint narrative:
Tried to contact someone and never could get in touch and my transaction didnt get disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


EQUIFAX CREDENCE RESOURCE XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX City, State & Zip : XXXX, IL XXXX XXXX : XX/XX/XXXX XXXX Sec. # : XXXX Date : XX/XX/XXXX RE : Dispute of Inaccurate Bankruptcy Record To Whom It XXXX Concern : I am writing to formally dispute an inaccurate/incorrect entry on my credit report. I noticed that a bankruptcy listing, which is reported on my credit file, is inaccurate. The information in question is : Account/Case Number : XXXX Date of Bankruptcy : XX/XX/XXXX Account/Case Number : XXXX Date of Bankruptcy : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I request that you investigate this matter, as I believe this bankruptcy is inaccurate/incorrect. Please provide all necessary documentation to verify the bankruptcy like to request that, under Section 611, the inaccurate entry be removed or corrected if the investigation does not prove its accuracy.

Please verify and remove them from my file and send me an updated credit report reflecting the accurate information. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation