vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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
Consumer complaint received 2025-02-06 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: Experian Information Solutions Inc.
State: FL

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 XXXX USC XXXX. 

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

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 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 2025-02-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally dispute the accuracy of information currently being reported on my credit file. I believe the information listed below has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) requirements, and I am requesting that you take the necessary steps to ensure compliance with the law. 

Specifically, I dispute the following accounts and request proper verification : XXXX XXXX XXXX ( Account No. XXXX ) Date opened : XX/XX/XXXX Status : Repossession, {$12000.00} past due Balance : {$12000.00} XXXX XXXX XXXX ( multiple accounts ) Dates opened :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Status : Various ( Paid/Closed, Open ) According to the FCRA ( XXXX U.S. CXXXX XXXX  ) , as a consumer reporting agency, you are required to : Conduct a reasonable investigation into disputed information.

Notify the data furnisher ( s ) of the dispute and request they provide proof that the information is accurate. 

Provide me with the method of verification used to validate the disputed accounts, including the name, address, and telephone number of any entity that supplied the information. 

Despite my previous disputes, it appears you have failed to properly investigate and verify the accuracy of these accounts, particularly : Whether the original creditors or furnishers have provided documentation that substantiates the reported data. 

Whether the reporting aligns with my payment history and account status. 

I am invoking my rights under the FCRA to demand full compliance. If you can not verify the information within the legal time frame of 30 days, you are obligated to delete it from my credit file per XXXX U.S. CXXXX  XXXX ( a ) ( 5 ).

Furthermore, I request that you provide : The specific documentation provided by the furnishers to verify these accounts. 

A clear description of the procedures you used to determine the accuracy of the disputed items. 

Failure to comply with these obligations will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal action for non-compliance with the FCRA. 

Please send me written confirmation of your findings or the deletion of these accounts within 30 days of your receipt of this letter. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Date of Birth : XX/XX/XXXX Last Four Digits of XXXX : XXXX Phone Number : XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XX/XX/XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-02-06 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XX/XX/XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XX/XX/XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XX/XX/XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-02-06 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: FL

Complaint narrative:
This company is providing fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a Bank of America Credit Card around XXXX. I leave out of town for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I didn't this account after XX/XX/XXXX. I found that my personal information and log in information was stolen by my previous employer and was used in gaining access to my personal email and laptop. He accessed my account, and my Bank of America CARD was compromised. for years as I travel so much. XXXX XXXX lived about XXXX XXXX from my house and would drive by according to the US POST MASTER and most likely access my postal mail. I learned of this XX/XX/XXXX, and I immediately returned to XXXX XXXX XXXX and filed a police report with XXXX case number XXXX. I didn't realize the gravity of the situation, so my first report was that he accessed my personal information. The second report was that he was stalking my family by driving by my home ( also added to that case number ). The third supplement was that he was stalking me and harassing me to this same case number. I still didn't understand what he was doing with my personal data, but then i started receiving mailers from creditors asking me to represent me in civil suits. It was then that I realized that severity of this matter and filed a fourth supplement to the details in the report ( same case number ). 

I have tried repeatedly to explain to BOA that I did open this card originally, but that the fraud charges were facilitated after XX/XX/XXXX are NOT MINE. I still owed {$2800.00} ( roughly ) to BOA, but the remaining balance you say I owe is NOT mine. I couldn't access my branch due to XXXX shutting down branches. It was a nightmare, so I let it go. I have tried to multiple agencies to get this resolved by myself, but it has fallen on deaf ears. I have filed cases with the FBI ( since the suspect left to XXXX ), The XXXX XXXX Police Department, the XXXX XXXX XXXX XXXX XXXX, Social Security ( Since my Ss was compromised ) and the US Post Master. I am asking to pay my confirmed amount and for them to see what there for the balance of penalties and interest is clearly. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-06 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: MA

Complaint narrative:
Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX - XXXX - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB
State: GA

Complaint narrative:
May the purchase at XXXX XXXX  XXXX through third-party app Klarna. Returned item, XXXXXXXX XXXX  XXXX returned refund to Klarna. Klarna refuse put refund back on credit card. Instead, they are giving me a credit on their app. They indicated that I choose to get my money back fast and therefore they get to hold my money hostage. I have proof that I never choose such an option. When asked if it was in writing, they said no, its just what they do. I never agreed to have my money refunded for Klarna credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA XXXX U.S. CXXXX XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX USC XXXX ( 2 ) XXXX, XXXX USC XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXX USC XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( 1 ) ( A ) USC XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I called Customer Service at BestBuy. The woman said that she could not see what the charge I was disputing, only that I had fees for non payment. I explained that I should have a {$0.00} balance because, I was unaware of any purchase that was overdue. I rarely have ever used this credit card. The one thing that I did buy in XX/XX/XXXX was a printer, which I returned within days. When I returned it, the girl at the customer service desk at the store verified that this would clear my balance. 
The rep on the phone was from another country and she and I had a difficult time understanding each other. After a while of unsuccessful communication, I hung up, and called " Billing ''. If anything else was purchased on my card, I told him that it was fraud. He, then, said he would report it. I also asked that my credit card be closed, as I had no desire to continue with BestBuy 's credit card. I also asked for a paper statement. 
Since then, my credit card is closed. I have never received a paper statement, though. 
XX/XX/XXXX, I called Best Buy 's Billing Department, and did not get through to anyone, but did find out my request was granted and I no longer have an account with BestBuy via Citibank. 
I respectfully request that my credit score be corrected. 
Thank you in advance.

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 2025-02-06 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Have put a credit freeze on all XXXX reporting sites, and have been working with XXXX who stated to file a report with the FTC with taxes and such coming up.

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