vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: MO

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 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 2025-03-04 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: MO

Complaint narrative:
On my credit report there is an XXXX XXXX card number XXXX... and it says that this account has a late payment, and this is false. The minimum payment due on this account was due on XX/XX/year>, and the minimum payment due at this time was {$90.00}, and this amount was paid before that date. I have attached a copy of a file printed from the XXXX XXXX website showing that this payment was made on time. Kindly update this XXXX XXXX to pay as agreed

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 2025-03-04 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-04 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Name : XXXX XXXX XXXX ID : from XXXX XXXX Date of Birth : XX/XX/year> XXXX ID Type : Drivers License ID XXXX XXXX XXXX XXXX ChexSystems XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my chex systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX - XXXX ( Open XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. XXXXm a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Chex systems Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NY

Complaint narrative:
See attachements. 
In XX/XX/2024, I became aware that an account with XXXX XXXX XXXX ( Account # XXXX ) was being reported as a " Collection/Chargeoff '' on my credit reports with Experian. This reporting is inaccurate and unlawful because the creditor, XXXX XXXX XXXX, issued a Form 1099-C, Cancellation of Debt, for this account. 

Key Facts and Timeline : Issuance of Form 1099-C : In XX/XX/, I received a Form 1099-C from XXXX XXXX XXXX, XXXX XXXX XXXX debt associated with this account had been canceled. Under the Internal Revenue Code ( IRC ), the issuance of a 1099-C signifies that the debt has been forgiven and the creditor no longer has the legal right to collect or report it as an active debt. 

Inaccurate Credit Reporting : Despite the cancellation of the debt, the account continues to be reported as a " Collection/Chargeoff '' on my credit reports. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, complete, and verifiable. 

Actions Taken : I contacted XXXX XXXX XXXX to dispute the inaccurate reporting and requested that they update the credit bureaus to reflect the cancellation of the debt. 
I filed a formal dispute with XXXX,, providing a copy of the Form 1099-C as evidence. 

To date, the account remains on my credit report as a derogatory item, causing significant harm to my credit profile and ability to obtain financing. 
Legal Basis for Dispute : The continued reporting of this account as a " Collection/Chargeoff '' violates the following laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c ( a ) ( 5 ) : Requires that canceled debts not be reported as active or derogatory.
15 U.S.C. 1681i : Requires credit bureaus to investigate and correct inaccurate information. 
Internal Revenue Code ( IRC ) : The issuance of a Form 1099-C confirms that the debt has been canceled, and the creditor no longer has the legal right to collect or report it. 
Request for Resolution : I am requesting that the CFPB assist in resolving this matter by : Ensuring that XXXX XXXX XXXX updates the credit bureaus to reflect the cancellation of the debt and removes the account from my credit report. 
Requiring Experian to delete the account from my credit report, as it is being reported inaccurately and unlawfully. 
Supporting Evidence : I have attached a copy of the Form 1099-C and my credit report highlighting the disputed account for your reference. 

Thank you for your assistance in resolving this matter. Please let me know if additional information is required.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Subject : Demand for Immediate Access to My Credit Report Dear Equifax, This letter serves as a formal demand for immediate access to my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple attempts to resolve this issue, I have been consistently denied access to my credit report through your online platform, which is a clear violation of my rights under federal law. 
The FCRA explicitly requires that consumers be granted access to their credit reports, including one free annual report through XXXX, as well as under specific circumstances such as identity theft, unemployment, or adverse actions based on credit information. Your continued failure to comply with this legal obligation is unacceptable. 
As of today, I am officially filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory authorities regarding your failure to provide access to my credit report. I demand that you take immediate action to resolve this matter and grant me full access to my credit report without further delay.

Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies to protect my rights and ensure compliance with the FCRA. 
I expect confirmation of this demand and resolution of the issue within 30 days, as required by law. For any additional information, you may contact me at the details provided above.

Sincerely, XXXX XXXX Also, there should only be one address on my credit profile, report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my [ credit report/account ], specifically concerning XXXX, an account erroneously added on my report. This incorrect reporting constitutes negligent non-compliance under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), and I request its immediate deletion from my records. 

The FCRA mandates that entities handling consumer information maintain accurate records and promptly correct any discrepancies. Failure to comply, whether willfully or negligently, exposes such entities to legal liability. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently enforced actions against institutions for similar violations. For instance, in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX for inadequate investigation of consumer disputes regarding their credit reports, highlighting the serious implications of failing to address 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 2025-03-04 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information reported on my [ credit report/account ], specifically concerning XXXX, an account erroneously added on my report. This incorrect reporting constitutes negligent non-compliance under XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), and I request its immediate deletion from my records. 

The FCRA mandates that entities handling consumer information maintain accurate records and promptly correct any discrepancies. Failure to comply, whether willfully or negligently, exposes such entities to legal liability. Notably, the Consumer Financial Protection Bureau ( CFPB ) has recently enforced actions against institutions for similar violations. For instance, in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX for inadequate investigation of consumer disputes regarding their credit reports, highlighting the serious implications of failing to address 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 non-monetary relief
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
am writing to formally dispute the accuracy of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into these accounts as I believe they are inaccurate and should be removed. 

The details of the disputed account are as follows : Name : XXXX XXXX XXXX XXXX Amount : {$1900.00} Date Opened : XXXX XXXX, XXXX Name : XXXX XXXX XXXX Amount : {$1300.00} Date Opened : XX/XX/XXXX I request that you verify the accuracy of this account with the collection agency and original creditor. If they can not provide proper validation, I request that this collection account be deleted from my credit report immediately. 

As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate my claim and provide me with the results within 30 days. If the information can not be verified, it must be removed from my report. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in my credit file. Reporting inaccurate information is a violation of this law. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are responsible for ensuring that the information they report is accurate and must correct or delete any inaccurate or unverifiable information. 

I have disputed these inaccuracies multiple times. They get removed form my report, then they get put back a few months later. I need these to be permanently removed from my 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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I would like to formally address a situation regarding a financial transaction in which I believe I was taken advantage of in the amount of {$440.00}. The individual involved assured me that they would reimburse me for this sum, stating that the funds were necessary to cover their bills. Unfortunately, despite their assurances, I have not received the promised repayment. 

In my attempts to resolve this matter, I reached out to Block, Inc. for assistance. However, I encountered significant challenges in obtaining clarity and support. The responses I received were unsatisfactory, and I was informed that the funds could not be returned to me due to the nature of the transaction being classified as an instant transfer. This explanation leaves me feeling frustrated and without recourse, as it seems to dismiss the responsibility of the party who assured me of repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
Check my credit report and saw fraudulent account in collections

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 2025-03-04 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-04 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 falling 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 actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and and my rights as consumer.

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 2025-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My bank sent an automatic payment when I did not owe a balance. I was able to get Synchrony/Havertys to refund my money. The next month ( XX/XX/year> ) my bank again made the autopay. Synchrony/XXXX  again sent me a refund check which I deposited back into my account. Two days later ( XX/XX/year> ) Synchrony/XXXX  pulled the money back out of my account without my permission. Ive spoken to them three times since XX/XX/year> about getting my money back and each time they tell me Ill get a check in 9-15 business days. I still havent gotten my money back. Synchrony/XXXX  owes me {$250.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve 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 explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Barclays XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Goodwill Adjustment to Credit Report Dear Barclays, I hope this message finds you well. I am writing to formally request your assistance regarding four late payments reflected on my credit report associated with my account XXXX. These late payments occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and while I acknowledge the impact these may have had on my credit history, I am reaching out in the spirit of goodwill to request their removal. I have been a loyal customer of Barclays and have made consistent efforts to maintain good standing with my financial obligations. The late payments in question were due to unexpected financial hardship and XXXX  issues from XXXX. Since that time, I have worked diligently to improve my financial situation and ensure that all payments are made on time. 

As I strive to improve my credit score for applying for a mortgage, I kindly ask you to consider removing these late payments from my credit report as a gesture of goodwill. I believe that this adjustment would better reflect my current commitment to responsible financial management and would greatly assist me in achieving my financial goals. Thank you for taking the time to consider my request. I appreciate your understanding and support. Please feel free to contact me at XXXX or XXXX if you need any further information or documentation. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CL Holdings LLC
State: CA

Complaint narrative:
I have disputed Jefferson Capital numerous times and I do not believe XXXX is investigating this properly. I demanded to see a debt validation and notice of assignment showing the debt collector was assigned to collect on this. I do not have any knowledge of ever having sprint services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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