vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is the only CRA reporting a inaccurate Bankruptcy as XXXX and XXXX are not reporting the inaccurate public record. the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681. The FCRA regulates the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Here are some key points from the FCRA related to disputes and credit reporting : Accuracy and Integrity of Information Under 15 U.S. Code 1681e, consumer reporting agencies like Experian are required to maintain accurate information in credit reports. If theres an error, consumers have the right to dispute inaccuracies with the agency.

Disputing Errors According to 15 U.S. Code 1681i, when a consumer disputes information on their credit report, the credit reporting agency must investigate the claim, typically within 30 days. If the bankruptcy entry is incorrect, Experian is required to correct or remove it. 

Investigation and Correction Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), after receiving a dispute, Experian must promptly review the dispute and re-investigate the information. If the bankruptcy is incorrectly reported, it must be corrected or deleted.

under 15 U.S. Code 1681e ( b ), which is part of the Fair Credit Reporting Act ( FCRA ).

This section outlines the requirement for consumer reporting agencies ( CRAs ) to maintain accurate, complete, and up-to-date information. If a negative item ( such as a bankruptcy, late payment, or other derogatory marks ) appears on only one of the credit reports and not the others, and the information is disputed and found to be inaccurate or incomplete, the item should be removed. 

Key points : Accuracy of Information : Under 15 U.S. Code 1681e ( b ), CRAs are required to follow " reasonable procedures '' to ensure the accuracy and fairness of the information they report.

If the negative item is inaccurate or incomplete, it may be deleted from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-01-30 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IN

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Sofi bank restriced my account and wont tell me why and wont give me access to my money i been very patince and been waiting for 3 weeks but nothing they XXXX  refuse to let me talk to a superviser. 

Not only that but they refuse to reopen a dipute i had from XXXX for XXXX $ i also sent them a police report I just want acces to my funds, my account restricten removed and the dispute i filed properly investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I am filing a formal complaint against XXXX for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically its obligation to report only accurate, verifiable, and substantiated debts. XXXX is currently reporting a collection account in my name for approximately {$7000.00} related to an apartment lease that I was never legally or contractually obligated to. 

Facts of the Case : I was never a leaseholder. I never signed a lease agreement, was never added as a tenant, and never assumed financial responsibility for this apartment. 

I never agreed to this debt. My residence at the property was based on a private arrangement with existing tenants. No formal documentation exists linking me to any contractual obligation with the landlord. 

The collection agency has no record of me. When I contacted the agency reporting the debt, they were unable to locate any record under my name, address, or Social Security number. They even acknowledged that I was never a client and, therefore, could not provide validation of any obligation. 

Legal Violations : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), credit bureaus are required to : Maintain accurate credit reporting ( 15 U.S.C. 1681e ( b ) ) XXXX has continued reporting an unverified debt despite clear evidence that I was never contractually obligated. 

Conduct a reasonable investigation upon dispute ( 15 U.S.C. 1681i ) XXXX has failed to conduct a proper investigation despite multiple disputes, as evidenced by the fact that the collection agency itself has no record of my liability. 

Remove inaccurate or unverified information Given that the reporting creditor can not validate the debt, XXXX is in direct violation of its legal duty by continuing to report a false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
In XXXX of XXXX  XXXX  placed a charge off on my Experian, XXXX, and my XXXX XXXX consumer report. According to the IRS a charge off is considered a certificate of indebtedness which means it is defined by the IRS as income and income can not be reported to a consumer 's report. This charge off must be removed from my consumer report immediately. I am filing this complaint against XXXX, XXXX XXXX, and Experian for failing to properly investigate errors on my consumer credit report. Despite my attempts to resolve these issues directly with Experian, XXXX XXXX, and XXXX they have not provided adequate responses or resolved the inaccuracies. Below are the details of my complaint : I have disputed late payments and a charge-off reported by XXXX XXXX on my credit report. I believe these items are inaccurate and requested that Experian, XXXX, and XXXX XXXX conduct a proper investigation. However, they have failed to provide any documentary evidence of their investigation or verification process. According to the FCRA all creditors must provide an opt out notice to all consumers giving them the opportunity to opt out before furnishing any information to the credit bureaus.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NV

Complaint narrative:
This is the cash app plan. Ive had money come out my account tried to get a refund never seen the refund. They never want to give a refund. They dont talk or call you back. Is no one you talking to you talk to about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In the past using XXXX and making pay transfers people had said they never recienved it. When reaching out to XXXX, chase would tell me there was nothing I could do about it because the money was already sent. These were fraudulent and shouldve been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: 1803 Capital, LLC
State: NV

Complaint narrative:
I received a copy of my XXXX credit report. To my surprise, this credit reporting company is reporting multiple accounts incorrectly. According to the FCRA, i have the right to an accurate and fair credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I can't give the exact days because Cash App had closed my account and blocked me so I can no longer access any of my transaction history. I had over XXXX XXXX dollars stolen from my cash app through fraud and never received a XXXX  in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IN

Complaint narrative:
I did not authorize this inquiry and had no interaction with the lender on the mentioned 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-01-30 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX 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 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 2025-01-30 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: TX

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received compensation from Bank of America for funds that were recovered but not for the time it took for me to receive the funds I received a letter from them stating that if I felt I needed futher compensation to respond the compensation with proof of why I felt this was needed from them. After receiving this letter I responded with my wants and the reasons why and all my past due bills that I couldnt pay due to not having access to the account. They responded with an email stating that they didnt feel I should receive what I was asking but sent a check in the amount of around XXXX dollars for interest on the money that was recovered.

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 2025-01-30 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: NJ

Complaint narrative:
Since XXXX  I have been attempting to resolve inaccuracies stated in the initial complaint I requested and received a consumer report and while I have forwarded information including my driver 's license for verification this matter to all three credit bureaus is unresolved. Equifax closed its investigation without any proof of updates or that it could verify any information contained within the report. Equifax report contains inaccuracies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Dept. of Ed closed accounts acct. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; personal information ; inquiries ; and accounts that were discharged in bankruptcies ( XXXX & XXXX ). XXXX still has listed : third-party supplemental information, checking account & demand deposit activity : ( XXXX XXXX XXXX XXXX XXXX ( and XXXX  ), among a host of inquiries and other inaccuracies. XXXX, inaccuracies consist of names, addresses, potentially negative items, and closed accounts such as Dept. of Ed. ( XXXX acct # XXXX ; XXXX  acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and accounts that were previously discharged. All bureaus contain accounts I do not know and I did not give anyone permission to share, sell, or outsource my information.

Company response to consumer: Closed with non-monetary relief