vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: SC

Complaint narrative:
I have a credit card with XXXX XXXX. My statement closed on the XXXX of XXXX. It's now the XXXX of XXXX and my XXXX closing balance of {$3300.00} has not been reported to the credit bureaus. My credit report still has {$7400.00} as my balance. That's a delta of over {$4000.00}. When I initially contacted XXXX they told me that they had reported and it was the fault of the credit reporting agency. I came to find out that they haven't reported. 

This is negatively impacting my credit score and keeping me from making credit moves for my family. I filed a dispute about my balance, with the credit bureau, XXXX responded that my balance was correct. Even though they're still reporting my XX/XX/XXXX balance. 

I need help and I don't know where else to turn. Please help me.

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 2025-03-05 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:
Formal Complaint for Inaccurate Credit Reporting To Whom It May Concern, I am submitted a disputed and a formal complaint against experian and/or XXXX XXXX XXXX for inaccurate and inconsistent reporting of my credit with account ( XXXX or XXXX ) to the credit bureaus. These errors violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, which mandates that furnishers report only accurate information to the credit reporting agencies.i have previously summit an dispute to Experian for this matter they said they completed and investigation and this will stay on my credit report. Today I call experian after being on hold for 2 hours to be able to speak with someone about their resolution on the dispute I previously submitted to them the representative that answers when I stated that I was calling to request a copy of the document that show how they got that conclusion from their investigation disconnected the line. 

Summary of Errors : 1.Repeated and Incorrect Charge-Off & Collection Reporting : The account was initially charged off in XX/XX/XXXX, then reported as a collection for XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, and then charged off again in XX/XX/XXXX. This practice may be considered re-aging the debt, which is illegal under the FCRA. 
A charge-off should not be repeatedly reported or alternately classified as a collection and charge-off, as this artificially extends its negative impact on my credit profile. 
2.Discrepancies in the Last Date of Activity : The last date of activity is not consistent across credit Bureaus further proving the inaccuracies.

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 2025-03-05 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-03-05 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: MO

Complaint narrative:
XXXXormal Dispute of Inaccurate Reporting XXXX XXXX  Account To Whom It May Concern, I am writing to formally dispute the reporting of XXXX XXXX  account Account XXXX XXXX on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request an immediate reinvestigation of this account. 
If XXXX XXXX  can not provide verifiable proof of accurate reporting, this item must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX  is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences.

Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit 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 non-monetary relief
Consumer complaint received 2025-03-05 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-05 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: TX

Complaint narrative:
FTC Report Number XXXX : I did not give TransUnion written consent to report, buy, sell, trade, my personal information with any data furnishers or credit reporting agencies. I online the specific items that I believe are inaccurate, incomplete or unverified and I request immediate correct or deletion where application. Please conduct a thorough investigation into these matters and provide a written response detailing the actions taken. XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  ) Invalid and Unverified Debt ( FDCPA Violations ) : Under 15 U.S. Code 1692g, I am disputing the following accounts as they have not been validated under the Fair Debt Collection Practices Act. I demand immediate removal

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 2025-03-05 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: FL

Complaint narrative:
These 3 inquiries that are reporting on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NC

Complaint narrative:
Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 
TRANSUNION IS THE ONLY COMPANY STILL REPORTING FRAUDULENT ACCOUNTS. XXXX and XXXX removed all fraudulent accounts and my reports should be the same across all three companies

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My account has been locked under the guise of " Fraud Prevention '' due to " Unusual Transaction Amount '' but it was the first transaction I had made with the account so there is no reason for it to be considered " unusual. '' Now when I try to verify my identity to unlock the account they say that I can either wait for a letter, which I do not have time to do or by making a call to my verified phone number. They say that when they look up my phone number that it is not verified under my name which I know for a fact now is false because I have email confirmation from my service provider that the phone number IS verified under my name. All of this has resulted in me getting a pay or vacate notice from my landlord because I can't access my funds to pay rent. I have told them this and offered to forward the confirmation email but they have refused to help.

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 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I reached out to them and my bank to resolve the problem, the company stated that the money was returned because it didn't release it to the person, but when I checked with the bank they stated that no money was returned so it seems like the company is still holding the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I transferred money from my bank account to the crypto exchange XXXX. I have recently tried to transfer my crypto to another wallet but XXXX  has locked my account. I gave them all the information that they asked for in order for them to unlock my account. I even submitted my pay stub to show where I got the money to buy the crypto on the exchange. I've been emailing XXXX  for 1 month every day and they will not respond to my emails and they will not unlock my account in order for me to transfer my crypto.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
My card began declining on XXXX, XXXX and on XX/XX/year> I was informed my secured credit card was being closed. I asked why this was happening and was given no reason. I asked for the department that made that decision and no number was given. I asked to speak with someone who did know and was told it would be a month minimum before any reason was given. I asked for a refund if my security deposit since they closed my account without warning and was told that I would get a refund no less than 30 days from the closure. My card is now blocked from being used and my XXXX dollar deposit is being refused to be returned to me. I asked if this was legal and they said they could not answer that.

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 2025-03-05 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report.

Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
Requested incorrect information late payments be corrected and removed several times Company has not complied or provided any documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am attaching a new FTC report containing 5 fraudulent accounts which were previously blocked due to FCRA 605B credit block. Equifax removed these accounts placed them back onto my account removed them again then placed them back on with new account numbers new report days like something dont seem right about that! I got two accounts disputing internally with Equifax that I didnt authorize them to dispute which is giving them leverage to not remove but XXXX XXXX in which I told the customer service lady not to dispute being I was going to file a FTC report on them. She just took the liberty to dispute them which is not right. Maybe she did it cause I only pay Equifax to monitor my credit and these companies pay them XXXX to report on their platform I have no problems with XXXX or XXXX but Equifax be cheating! I guess the next administration after XXXX will hold them accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-05 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief