vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Hi, I requested for XXXX 's place to close my account back in XXXX. I fell on hard time due to the loss of job and XXXX. I had XXXX XXXX, NY and XXXX, XXXX, and they were all closed as requested. XXXX 's place was supposed to close my account and the never did. I had a balance card for {$100.00} dollars. Account assured was going to pay that, and I would pay XXXX a month to account assurance after time. 

Children place did a criminal act by not closing my account when i requested. and they continued to keep my account open saying i made on time payment while charging me late fees and other fees. the balance is now {$2400.00}. Account assured said they closed my account in XX/XX/XXXX or XX/XX/XXXX. But XXXX place still charged account assured and other fees. 

I don't owe children place any money and they actually owe account assured {$620.00}. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
I'm at my wit 's end with these constant errors on my report. It feels like every time I check, there's something else wrong, and it's really starting to affect my life. These inaccuracies are dragging down my scores and making it so much harder to do basic things, like get a loan or even rent an apartment. It's incredibly frustrating to feel like I'm being held back because of mistakes that aren't even my fault.

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 2025-01-28 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.
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I am writing to formally request the immediate removal of a charge-off entry from my credit report within 4 businesses days which appears to have been reported inaccurately and in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), along with other applicable laws. Specifically, I am referencing violations of 15 USC 1601, 15 USC 6801, and 15 USC 6802, which govern the privacy and accuracy of credit reporting and information management. Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 USC 1601, the purpose of the Truth in Lending Act is to promote the informed use of consumer credit, ensuring transparency and fairness in the reporting and assessment of credit information. The charge-off in question does not reflect my accurate credit history and, therefore, is in violation of this acts consumer protection standards.

Furthermore, as outlined in 15 USC 6801 and 15 USC 6802, financial institutions are required to establish and maintain proper privacy protections for consumers. The inaccurate reporting of this charge-off violates my rights under these statutes, as it improperly discloses information about my credit status that may not be accurate or in compliance with the law. These sections further stipulate that unauthorized or inaccurate reporting of personal financial data is prohibited. 

I kindly request that you thoroughly investigate this charge-off entry and remove it from my credit report if it is determined that the reporting does not meet the requirements set forth by the aforementioned laws. In addition, should you find that the charge-off is accurate but still being reported incorrectly or beyond its legally permitted time frame, I request that you take the necessary action to correct or delete the entry accordingly. 

Please inform me promptly of the actions taken in response to this request, and do not hesitate to contact me should additional information or documentation be required. I trust that this matter will be resolved in compliance with federal law and in a timely manner. 

Thank you for your immediate attention to this issue.

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 2025-01-28 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: FL

Complaint narrative:
I am writing to formally request the immediate removal of a charge-off entry from my credit report within 4 businesses days which appears to have been reported inaccurately and in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), along with other applicable laws. Specifically, I am referencing violations of 15 USC 1601, 15 USC 6801, and 15 USC 6802, which govern the privacy and accuracy of credit reporting and information management. Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As stated in 15 USC 1601, the purpose of the Truth in Lending Act is to promote the informed use of consumer credit, ensuring transparency and fairness in the reporting and assessment of credit information. The charge-off in question does not reflect my accurate credit history and, therefore, is in violation of this acts consumer protection standards.

Furthermore, as outlined in 15 USC 6801 and 15 USC 6802, financial institutions are required to establish and maintain proper privacy protections for consumers. The inaccurate reporting of this charge-off violates my rights under these statutes, as it improperly discloses information about my credit status that may not be accurate or in compliance with the law. These sections further stipulate that unauthorized or inaccurate reporting of personal financial data is prohibited.

I kindly request that you thoroughly investigate this charge-off entry and remove it from my credit report if it is determined that the reporting does not meet the requirements set forth by the aforementioned laws. In addition, should you find that the charge-off is accurate but still being reported incorrectly or beyond its legally permitted time frame, I request that you take the necessary action to correct or delete the entry accordingly. 

Please inform me promptly of the actions taken in response to this request, and do not hesitate to contact me should additional information or documentation be required. I trust that this matter will be resolved in compliance with federal law and in a timely manner. 

Thank you for your immediate attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-01-28 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2025-01-28 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 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 2025-01-28 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: IL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. ''

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 2025-01-28 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: PA

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-01-28 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:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-01-28 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-28 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: RI

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-28 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: January Technologies, Inc
State: NC

Complaint narrative:
XX/XX/year> Subject : Dispute of Charge-Off and Request for 1099-C Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report regarding the account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX account number XXXX XXXX I do not believe this charge-off is accurate, and I am requesting that you investigate this matter. 

As part of my dispute, I would also like to request a XXXX099-C ( Cancellation of Debt ) form for the charged-off amount. If this debt was canceled or forgiven, I understand that I may be required to report the forgiven amount as taxable income. Therefore, I request that they provide me with the necessary documentation, including the 1099-C, to reflect the cancellation and assist me with my tax reporting.

Please investigate this charge-off and confirm whether the debt was indeed canceled. If it was, I kindly request that the appropriate 1099-C form be sent to me as soon as possible and it be removed from my credit report. 

I look forward to your prompt response and resolution of this matter. Should you require additional information or documentation, please let me know. I appreciate your attention to this issue and look forward to your timely reply. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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:
This information is factually incorrect and does not reflect my actual credit history or payment behavior. I am requesting that you investigate this matter immediately and remove the erroneous data from my credit report without delay.

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 2025-01-28 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX5 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
I'm really upset because a company pulled up my credit report and now there are all these inquiries on there that I don't recognize. I have no idea what's going on and it's seriously stressing me out!

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 2025-01-28 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have tried to log into my Equifax account to remove my freeze with them but got an error message saying that they were unable to retrieve the status of my freeze. I tried to call and remove the freeze by phone and the automated line said they were unable to assist. I tried to call again to reach a person but did not reach one. I tried again to access my account online and was locked out of it entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I had disputed this account on XX/XX/XXXX and I received no status regarding the investigation and then I disputed it again XX/XX/XXXX and received an email saying the investigation was complete, but there are no details regarding what they investigated or why nothing was changed.

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