vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: RI

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Experian notifying them of the reinsertion of the XXXXXXXX XXXX XXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). 
Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.

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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX, XXXX and Transunion were all certified mailed a letter in XXXX about incorrect items on my credit report. I specifically gave them all updated current information and to remove all old information. They re-added the old information. This is a violation of the Fair Credit Reporting Act ( FCRA ) as they knowingly maintain inaccurate information on my credit file. I demand immediate and permanent removal of all incorrect personal data. Such as old employers, phone numbers and addresses, as they are no longer valid. I request CFPB intervention to ensure compliance.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX, XXXX and Transunion were all certified mailed a letter in XXXX about incorrect items on my credit report. I specifically gave them all updated current information and to remove all old information. They re-added the old information. This is a violation of the Fair Credit Reporting Act ( FCRA ) as they knowingly maintain inaccurate information on my credit file. I demand immediate and permanent removal of all incorrect personal data. Such as old employers, phone numbers and addresses, as they are no longer valid. I request CFPB intervention to ensure compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I asked them for applicaiton and signagtures for opening the account. I am writing to formally dispute inaccurate and outdated information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The items listed below contain errors and are negatively impacting my credit score. Under the FCRA, you are required to ensure that the information reported on my credit file is accurate and verifiable. If you are unable to verify these items, they should be removed or corrected. 
Please review the following information on my credit report, and update or delete these inaccurate items as required by law : 1. Late Payments : Several late payments are reported on accounts that I believe are either inaccurate or not attributable to me. Under the FCRA, Section 611 ( 15 U.S.C. 1681i ), I request that XXXX verify these accounts with the original creditors. If these late payments can not be verified as accurate and belonging to me, they must be removed from my report.

2. Incorrect Addresses and Phone Numbers : My credit report includes outdated or incorrect addresses and phone numbers that are not associated with my current or past residences. Please update my information to reflect my current address and phone number, as inaccurate personal information may indicate potential errors or identity confusion. FCRA Section 609 ( 15 U.S.C. 1681g ) grants me the right to request accurate personal information.

3. Accounts Not Belonging to Me : There are accounts on my report that I do not recognize and do not believe are associated with me. Under FCRA Section 611, XXXX must verify the ownership and legitimacy of these accounts. If they can not be verified, I request their removal from my credit file. 
I challenged items in my report and did my investigations. I request that you update the information on my report, which I have listed below. If you have not done so, place EXTENDED FRAUD ALERTS on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This is a continuation of Complaint # XXXX. As detailed in my prior complaint, Synchrony jerked me around when I requested to close a CD at maturity and tried to keep me from doing so by making it inappropriately difficult. After telling me several lies, and after an argument and an escalation, Synchrony agreed to close the CD at maturity and to mail me the proceeds. I waited several weeks ( they said it would take 7 to 10 business days ) and still no check. I logged into my online account today ( XX/XX/year> ) to find that, instead of closing the account as instructed, they had rolled it over into a new CD. I called today to complain ( again ) and to demand that they give me my money. The customer service representative read the notes attached to my account and acknowledged that those notes clearly indicate that the account was to be closed as per my ( recorded ) call with Synchrony on XX/XX/XXXX. This rep kept me on hold for a while so he could escalate and get permission to close the account. He assured me that the account will be closed without penalty AND that I will be paid interest for the entire time that Synchrony has held my funds. I will believe it when I see it. This is a continuation of the pattern of harassment documented in my earlier complaint. Synchrony is jerking people around to try to keep them from closing accounts. Once again, this would be a good case for a consumer class action attorney to pick up.

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 2025-02-20 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: PA

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 non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
After reviewing my consumer reports, I noticed inaccurate late payment records on an account where I have always made timely payments. I have enclosed the inaccuracies in red in the attached file. Since consumer reporting agencies are responsible for maintaining accurate records, it is essential that my report reflects only verified and correct information. I have never missed a payment on the following account : XXXX, XXXX. Therefore, I request a detailed review of these discrepancies and ask that you provide documented proof, such as billing statements, to support the reported alleged late payments. If no such evidence exists, I insist that these records be updated immediately to reflect my consistent on-time payment history.

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 2025-02-20 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: IA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> I am filing this FTC affidavit to report some fraudulent accounts appearing on my consumer FICO credit report this I don't recognize as reported and which are results of identity theft and fraudulent. These fraudulent accounts consist of the following XXXX XXXXXXXX {$10000.00} XXXX XXXX {$4500.00} XXXX XXXX {$170.00} XXXX XXXX {$210.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my attempts to dispute this directly with TransUnion, they have failed to take corrective action.

The following hard inquiries appear on my TransUnion credit report and are either duplicates or unauthorized : XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> I did not authorize these multiple inquiries, nor did I apply for credit with these institutions on the listed dates. Additionally, the XXXX inquiries from XXXXXXXX XXXX XXXX  XXXX XXXX appear to be duplicates. 

I first attempted to resolve this matter by filing a dispute with TransUnion, but they refused to remove the inquiries. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and TransUnion is required to investigate and remove unverifiable items.

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 2025-02-20 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: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint against TransUnion regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my attempts to dispute this directly with TransUnion, they have failed to take corrective action.

The following hard inquiries appear on my TransUnion credit report and are either duplicates or unauthorized : XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> I did not authorize these multiple inquiries, nor did I apply for credit with these institutions on the listed dates. Additionally, the XXXX inquiries from XXXXXXXX XXXX XXXX  XXXX XXXX appear to be duplicates. 

I first attempted to resolve this matter by filing a dispute with TransUnion, but they refused to remove the inquiries. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and TransUnion is required to investigate and remove unverifiable items.

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 2025-02-20 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-20 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: RI

Complaint narrative:
I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). 
Despite waiting for 35 days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-02-20 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 fraund on there 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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: FL

Complaint narrative:
Experian has verify the following accounts on my credit report was scheduled to be removed. Reinvestigate XXXX XXXX. on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX on record until XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. 
XXXX Fl, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinvestigate XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX. 

RE : Please Delete the following Collection Accounts : XXXX XXXX. Because it was scheduled to be removed from my credit file in ( XX/XX/XXXX ). And RE : XXXX XXXX XXXX XXXXBecause it was scheduled to be removed from my credit file in ( XX/XX/XXXX ). 

You recently verified both these expired accounts as accurate previously. Ive enclosed my credit report as proof. 

These accounts have expired and should no longer be reporting on my credit report. Your failed attempts to properly investigate this matter has caused me great financial hardship. 

Clearly you are reporting these accounts in violation of the Statutes of Limitations. 

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