vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
The company XXXX XXXX XXXX reported this account to XXXX and XXXX with no account number I have file a complaint with XXXX and XXXX for this to be remove but they both say that it will stay on my credit report when they could not provide me with a contract that I sign with my name on it plus their was no account number I never sign any contract with this company. The amount that they say I owe is {$2200.00} and the account was open XX/XX/year>. Please have XXXX and XXXX to remove this account off my credit report. 

THANK YOU IN ADVANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation.

I am disputing the following unresolved negative items on my credit report : XXXX XXXX - XXXX - {$4200.00} Name : XXXX XXXX XXXX Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 Regular 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm writing to inform that XXXX credit bureau and Equifax credit bureaus are is in violation of 15U.S.C 1681 ( a ) 6 ( B ) and 15U.S.C 1681i ( a ) 1. Please require them to thoroughly investigate the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my credit profiles per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm writing to inform that Experian credit bureau and XXXX credit bureaus are is in violation of 15U.S.C 1681 ( a ) 6 ( B ) and 15U.S.C 1681i ( a ) 1. Please require them to thoroughly investigate the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts on my credit profiles per 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
these are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXXXXXX XXXX  {$1100.00}

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account with XXXX BANK XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I am submitting a complaint against Credit Management Company for their failure to validate a medical debt they have placed on my XXXX credit report, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2.

Details of the Complaint : Credit Management Company has reported a medical collection account on my XXXX credit file, which I have no prior knowledge of and do not recognize. 
I disputed the debt and sent a debt validation request via certified mail, which they received over 30 days ago. 
Under FDCPA 15 U.S.C. 1692g ( b ), they are required to cease collection efforts until they provide proper validation of the debt, yet they have failed to do so.

Despite their failure to validate, this account remains on my credit report, which is a violation of FCRA 15 U.S.C. 1681s-2 ( b ), as furnishers of information are required to ensure maximum possible accuracy and properly investigate disputes. 
Since this is a medical debt, it should not be reported under recent CFPB and XXXX guidance, which restricts reporting of unverifiable medical debts to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Am Filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation the accounts I am referring to will be listed below. 
Inquirys : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the accounts that I have marked as inaccurate. I am a victim of identity theft which I have reported to all 3 bureaus with a police report when the theft occurred and I want to hold Equifax accountable for the actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
Hyundai Motor Finance is incorrectly reporting the last year of my payments as late, when I was never late and have paid the account in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
they mostly said log on and go to help section, but I told them every time if i could login I wouldn't have a problem.

they had me repeat the same steps over and over day after day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: VA

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Louisiana, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and erroneous reporting of an account from XXXX XXXX XXXX on my credit report. This account is being falsely reported as a charge-off and collection account, which is completely inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The details of the erroneous account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Charged Off / Collection Balance Reported : {$34000.00} Remarks : Charged-off account, auto loan, first payment never received This account is incorrect and should be removed immediately for the following reasons : 1. Inaccurate Balance & Status The reported balance and past-due amounts are inconsistent and unverifiable. I demand strict validation of the exact amount owed, including all supporting documents. If XXXX XXXX XXXX can not verify this, the account must be removed. 
2. Failure to Notify I was never properly notified regarding this alleged charge-off, which is a direct violation of my rights under the FCRA.

3. Unlawful Reporting of First Payment Issue The remarks claim that the first payment was never received, which suggests an issue with the lender, not my responsibility. Reporting this as a charge-off is unfair and misleading. 
4. Fair Credit Reporting Act ( FCRA ) Violation As per 15 U.S.C. 1681, all reported information must be 100 % accurate, verifiable, and timely. If the credit bureaus fail to validate this account with complete documentation, including original creditor agreements, payment history, and legal proof of charge-off, this entry must be deleted immediately. 

I demand that this account be fully investigated and removed from my credit report within 30 days as required by law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for willful non-compliance with federal laws. 

Please respond in writing to confirm that this account has been removed or provide legal proof of its validity. If no response is received within the legally required time frame, I will assume that the account is unverifiable and must be permanently deleted. 

I have attached a copy of my drivers license, social security card, and a recent for identification purposes. 

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ New, Louisiana, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Entry XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and erroneous reporting of an account from XXXX XXXX XXXX on my credit report. This account is being falsely reported as a charge-off and collection account, which is completely inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act ( FCRA ). 

The details of the erroneous account are as follows : Creditor Name : XXXX XXXX XXXX Account Status : Charged Off / Collection Balance Reported : {$34000.00} Remarks : Charged-off account, auto loan, first payment never received This account is incorrect and should be removed immediately for the following reasons : 1. Inaccurate Balance & Status The reported balance and past-due amounts are inconsistent and unverifiable. I demand strict validation of the exact amount owed, including all supporting documents. If XXXX XXXX FINANCE can not verify this, the account must be removed.

2. Failure to Notify I was never properly notified regarding this alleged charge-off, which is a direct violation of my rights under the FCRA.

3. Unlawful Reporting of First Payment Issue The remarks claim that the first payment was never received, which suggests an issue with the lender, not my responsibility. Reporting this as a charge-off is unfair and misleading.

4. Fair Credit Reporting Act ( FCRA ) Violation As per 15 U.S.C. 1681, all reported information must be 100 % accurate, verifiable, and timely. If the credit bureaus fail to validate this account with complete documentation, including original creditor agreements, payment history, and legal proof of charge-off, this entry must be deleted immediately. 

I demand that this account be fully investigated and removed from my credit report within 30 days as required by law. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office for willful non-compliance with federal laws. 

Please respond in writing to confirm that this account has been removed or provide legal proof of its validity. If no response is received within the legally required time frame, I will assume that the account is unverifiable and must be permanently deleted. 

I have attached a copy of my drivers license, social security card, and a recent for identification purposes. 

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have been bateling XXXX XXXX  case for the past 2 years, it seems like it doesnt go away and it feels like im fighting for my life over here which it doesn't make any sense, especially with all the supporting documents i have provided so support my claim in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have been bateling XXXX XXXX  case for the past 2 years, it seems like it doesnt go away and it feels like im fighting for my life over here which it doesn't make any sense, especially with all the supporting documents i have provided so support my claim in this matter.

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