vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
15 USC 1681o XXXX XXXX, opened on XX/XX/XXXX, was closed on XX/XX/XXXX. It is not mine and should have been removed. XXXX XXXX XXXX, opened XX/XX/XXXX, closed on XX/XX/XXXX, is not mine and should have been removed. XXXXXXXX XXXX XXXX XXXXXXXX, opened, XX/XX/XXXX, is not mine and should have been removed. SXXXX XXXX XXXX opened on XX/XX/XXXX, is not mine and should have been removed. XXXX, opened XX/XX/XXXX, is not mine and should have been removed. According to FCRA 605B I do not give permission for them to report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 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
Consumer complaint received 2025-01-29 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-29 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: NC

Complaint narrative:
1. Conflicting Account Statuses ( Charge-Off vs. Pays as Agreed ) The following accounts are incorrectly reported as Charge-Off, despite my records showing they should have been updated accurately : XXXXXXXX XXXX XXXX Account ending in XXXX ) Reported Balance : {$1000.00} XXXX XXXX XXXX  XXXX Account XXXX in XXXX ) Reported Balance : {$0.00} XXXX XXXX XXXX XXXX ( Account ending iXXXX XXXX ) Reported Balance : {$0.00} XXXX XXXX XXXX ( Account XXXX XXXX XXXX ) Reported Balance : {$810.00} These accounts appear as Charge-Off while also being reported as Pays as Agreed elsewhere in my report. This inconsistency is misleading and has negatively affected my credit score. 

2. Incorrectly Reported Collection Accounts Additionally, the following accounts are reported incorrectly under collections despite prior resolutions : XXXX XXXX XXXX ( Account ending in XXXX ) Incorrectly reported as delinquent despite prior payments. 

XXXX XXXX XXXX XXXX Account ending in XXXX ) This account should not be listed as charged-off. 

TXXXX XXXX XXXX XXXX  ( Account ending in XXXX ) Still showing as charge-off despite being settled. 

XXXXXXXX XXXX ( Account ending in XXXX ) Should not appear as open or past due. 


These errors need to be corrected as they have significantly impacted my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
On XX/XX/2025, I contacted Bank of America to request the reinstatement of my credit card, which was recently closed. The account had been active and in good standing for 13 years. The account was closed due to inaccurate information that had been reported to the credit bureau by XXXX XXXXXXXX XXXX  regarding my mortgage, as well as loans of all their customers. This misinformation negatively impacted my credit report ( my score was previously XXXX and subsequently dropped to XXXX after the erroneous reporting ) and led to Bank of Americas decision to close my credit card account. I have no other derogatory actions on my credit report. 

I have since addressed the incorrect reporting with XXXX XXXX Bank, and they have acknowledged the error, which was subsequently resolved with the credit reporting bureau. However, when I contacted Bank of America to request reinstatement of my credit card, the representative informed me that their policy does not allow for reinstatement of closed accounts under any circumstances, even when the closure was based on incorrect information from another party. 

This situation is deeply frustrating, as the account closure was not due to my actions or financial behavior, and I was not given the opportunity to resolve the issue before Bank of America took action. What's more, my credit score has dropped again due to Bank of America closing my account that had been in good standing for 13 years, which also decreased my available credit. My only recourse is to re-apply for a credit card, which would be a hard inquiry and would cause further detriment to my credit. I need Bank of America to reinstate my credit card.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
My Zelle feature through my XXXX XXXX account did not use to have a warning message before attempting to transfer my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Pursuant to XXXX XXXX XXXX, i owe no debt, this company is violating my consumer right to XXXX XXXX XXXX XXXX XXXX b XXXX company has no permission to report anything using my info pursuant XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
I have been dealing with reporting inaccurate information, different socials, accounts not mine, accounts with balances that were included in a Chapter 7 bankruptcy, credit reporting sending me requests for my id and sending it with no response back, them saying they verified accounts with no proof and nothing legal no required federal proof or documentation. Now they have XXXX XXXX showing as NEW accounts that were closed years ago in a bankruptcy that was found opened fraudulent through the data breech!

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My identity was stolen and a imposter turned into me by using my date of birth, social security number and name to open up this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
XXXX XXXX  XXXX has a collection on my account in the amount of XXXX XXXX They purchased this dept XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I sent multiple letters to TransUnion regarding several inaccuracies I found in my credit report. Despite providing evidence, TransUnion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. 
Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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, the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met. 
Additionally, under XXXX XXXX. XXXX, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete. 
Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under XXXX XXXX. XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX. XXXX ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. 
Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days. 
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 non-monetary relief
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I submitted letters on XX/XX/year>, XX/XX/year>, also XX/XX/year>. Asking for the information and provide proof of the charge off on the account. Now its showing it was transferred to a debt collector and is still showing a balance due. Since I was never provided proof and it was transferred to a collector, I no longer owe money to this creditor.

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 2025-01-29 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: LA

Complaint narrative:
I submitted letters on XX/XX/year>, XX/XX/year>, also XX/XX/year>. Asking for the information and provide proof of the charge off on the account. Now its showing it was transferred to a debt collector and is still showing a balance due. Since I was never provided proof and it was transferred to a collector, I no longer owe money to this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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:
I submitted letters on XX/XX/year>, XX/XX/year>, also XX/XX/year>. Asking for the information and provide proof of the charge off on the account. Now its showing it was transferred to a debt collector and is still showing a balance due. Since I was never provided proof and it was transferred to a collector, I no longer owe money to this creditor.

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 2025-01-29 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: TX

Complaint narrative:
Please see attachments that are included in this complaint. My rights as a protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still being violated with request from each credit reporting agency ( XXXX, XXXX, Transunion ) to provide precise documentation on how these accounts were verified. Understanding my rights as a consumer, The accounts specified in this complaint are now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The reporting of these accounts as a debt is inaccurate and MUST be deleted.

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 2025-01-29 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 see attachments that are included in this complaint. My rights as a protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are still being violated with request from each credit reporting agency ( XXXX, Equifax, XXXX ) to provide precise documentation on how these accounts were verified. Understanding my rights as a consumer, The accounts specified in this complaint are now considered a certificate of indebtedness per the XXXX  and income can not be reported. The XXXX  Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The reporting of these accounts as a debt is inaccurate and MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance, repo my sold an auction and its still trying to charge me XXXX for the car that they sold I am formally requesting clarification and verification of an alleged debt associated with my account. The matter involves questions about using security instruments or promissory notes bearing my signature and whether such instruments have been leveraged or traded without proper disclosure. I seek transparency and documentation, including original transaction records, accounting records, and written authorization demonstrating my consent for any value transfer. These actions have violated applicable laws, including the Consumer Credit Act 1974. I am also formally disputing a billing error related to my account under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). There are concerns regarding using my signature to create a security instrument or obligation, which may have been traded on secondary markets without my consent. Additionally, I am questioning compliance with federal laws governing monetary transparency, including 18 U.S.C. 8 and 31 U.S.C. 5335. I have requested full accounting records and immediate cessation of debt collection efforts during the investigation.

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 2025-01-29 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: TN

Complaint narrative:
Experian has inaccurately reported another debt on my report. At this point I want to know how this is possible to do so, I want this debt removed and I IMMEDIATELY will be moving forward with my lawsuit claim because my information is obviously being misused and abused. I just had to go through this with another Company now this a " debt for a company called XXXX XXXXXXXX XXXX. OPENED XX/XX/scrub>/2024. 
I've already told you guys my story, my living situation, my personal information should not be used in anyway concerning any debts. This is mind blowing and quite disturbing. Remove this asap. I feel like I am being harassed by EXPERIAN at this point and mishandled.

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 2025-01-29 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:
Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and anxiety while undermining my financial stability.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Unauthorized Transaction on Cash App Dear CFPB, I am writing to file a complaint about a n unauthorized transaction that occurred on my Cash App account. 

Details of the Incident : Date of the Transaction : XX/XX/year> Transaction Amount : {$1000.00} Recipient or Description of Transaction : Cash App Refunded the funds to a XXXX XXXX XXXX XXXX. I have never sent or received any money from the Business. I do not know this person. I called Cash App and explained to them that this is a mistake, and they told me that there is nothing they can do about it and that it is finale. I reached out to XXXXXXXX XXXX  ; they gave me the funds back until they did an investigation. On XX/XX/year> they reversed the payment and gave it back to XXXX XXXX XXXX XXXX. XXXX told me that the reason they gave them my money is because they verified who they were. I explained to them that I'm disputing the fact that I never sent them money. No one from XXXX reached out to me for any documents or statements that may have helped with the investigation. I have tried to look this company up and could not find anything. I believe that I have been a victim of Wire fraud and XXXX XXXX is allowing it to happen. 

My Cash App Account Details : XXXX XXXX This Transaction was neither authorized nor initiated by me. I discovered the issue on XX/XX/year> when I reviewed my account. 

Steps Taken So Far : 1. I contacted Cash App support via their in-app support feature on XX/XX/year> to report the unauthorized transaction. When i couldn't get it resolved with them, I contacted XXXXXXXX XXXX 
2. I requested a refund and provided all relevant details, but Cash App denied my claim. 
3. I also reported this matter to my bank XX/XX/year> but also denied m claim. 

Despite my efforts, this matter remains unresolved. This has caused financial and emotional stress, as this unauthorized withdrawal directly impact my account balance. 


Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation