vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I pulled my credit report on XX/XX/year> from Experian and I am seeing old information and they are not complying with the information that XXXX and XXXX has both updated within 7 days. They are still reporting in accuracy. At this point my rights are being violated and I Feel like this is being done intentionally under the metro 2 reporting because this is a document that the credit bureau has created and under factual disputing and consumer law. this is wrong and there are consequences. They are in violation under FDCPA and FCRA. I am very concerned about this matter and it needs to be investigated as to why they are still reporting inaccuracy.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX contacted the credit bureaus XXXX place a 30 day late on my Consumer Credit Reports stating I was late on paying XXXX 's payment & on XX/XX/year> they closed my account for no reson. Attachments below will show where they placed 30 day late for XXXX 's payment & the closing of my account.. also attached is my business bank statement showing where I paid XXXX 's payment of {$500.00} XXXX  which was paid to chase on XX/XX/year>. Also Attached is my pay history where my payments are due on the XXXX th of each month for this account.. my credit report shows I never was late or missed a payment from the date I initially received this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against IQ Data International , Inc., a collection agency, regarding their persistent harassment and false claims about an alleged outstanding balance from my previous apartment, XXXX XXXX. Despite my efforts to clarify this matter, IQ Data International has engaged in unfair and deceptive practices that have caused significant harm to my personal and professional life. 
Complaint Details 1. Harassment and Lack of Transparency : IQ Data International has repeatedly harassed me via phone calls, pressuring me to make payments without providing any written communication or explanation of the alleged charges, despite my explicit request for details via email. 
XXXX. False Debt Claim : The alleged balance they claim I owe to XXXX XXXX is entirely false. I have conclusive proof, including an email from XXXX XXXX, confirming that I paid my balance in full when I vacated the property. 
XXXX Credit Report Impact : IQ Data International has falsely reported this debt to credit bureaus, causing a significant drop in my credit score. This inaccurate reporting has directly impacted my ability to secure better rates on a business loan, thereby disrupting my new business endeavors.

Request for Investigation I kindly request the Bureau to investigate IQ Data International for their : Harassment and failure to provide clear documentation. 
False debt claims against me and potentially other consumers. 
Improper reporting of inaccurate information to credit bureaus.

Requested Remedies 1. Immediate Removal of Credit Report Entry : I ask that IQ Data International be compelled to remove the false debt entry from my credit report immediately.

2. Cease and Desist : IQ Data International should be directed to stop all harassment and attempts to collect this baseless debt.

3. Compensation for Damages : Due to the damage caused to my credit score, personal life, and business operations, I am seeking compensation of {$4700.00} to account for the financial and emotional distress caused by IQ Data Internationals unlawful actions.

Supporting Documentation I have enclosed the following documents for your review : Proof of full payment to XXXX XXXX upon vacating the property. 
The last Email from XXXX XXXX confirming my account was settled in full. From the manager email address.

Conclusion I trust that the Bureau will take swift and decisive action against IQ Data International to prevent further harm to me and other consumers. Their behavior violates the principles of transparency and fairness expected from collection agencies, and they must be held accountable for their actions. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you require additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, numerous unauthorized inquiries, incorrect credit reporting, billing errors, and accounts that do not belong to me. 

I am seeking assistance to address and resolve these matters to restore my financial security.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The company provided credit card information to unauthorized individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am contacting you to share my concerns about multiple issues I have experienced with the credit bureau. These include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong to me. I kindly request your assistance in resolving these issues to help maintain my financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am contacting you to share my concerns about multiple issues I have experienced with the credit bureau. These include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong to me. I kindly request your assistance in resolving these issues to help maintain my financial stability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts, they are negatively affecting the ability for me to obtain credit.

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 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
{$94.00} balance on my Venmo balance. My account. I need transfered to my bank account. VENMO GIVING ME HARD OF TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Re : Dispute of Late Payment Inquiries on Credit Report Dear Upstart Network Inc Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries that do not accurately reflect my credit history. These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported for the following accounts : UPSTART NETW : XXXX UPSTART NETW : XXXX These inaccuracies stem from a billing error because my payments were never late. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ).

In light of the above, I formally request the immediate removal of the disputed late payment inquiries for the accounts referenced above from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA.

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-03 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: MO

Complaint narrative:
There is information on my report that is a result of identity theft. Please remove the following inquires : 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 

FTC report attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I made FOUR previous attempts to fix these issues directly with them dating back 6 months. They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I had a fraud claim back in XXXX keeps getting denied for no vaild reason and out of the blue Cash app sent me an email on XX/XX/XXXX and XX/XX/XXXX stating that they didn't have all the information which I sent information and the case was entered incorrectly. I was in a batter womens shelter.. 
XX/XX/XXXX -received an email from cash app requesting information XXXXreplied with the new information XX/XX/XXXX - received another email requesting information questions XXXX questions XXXX optional XX/XX/XXXX replied with the new information again XX/XX/XXXX received email XXXX appeal.to reopen account XX/XX/XXXX I replied stating this is fraud transcations not a case to reopen my cash app I WAS IGNORE XX/XX/XXXX your appeal.to reopen your account was denied XX/XX/XXXX -I replied this is fraud transcations with the new information A NEW CASE WAS NEVER ENTERED WITH THE NEW INFORMATION IT WAS ENTER INCORRECTLY AND BY LAW XXXX0 BUSINESS DAYS A PROVISIONAL CREDIT IS TO BE ISSUED. ITS NOT MY FAULT A NEW CASE WASNT ENTERED CORRECTLY -- AGAIN CASH APP EMAILED ME STATING THEY HAVENT RECEIVED ALL THE INFORMATION REGARDING MY CASE Before you go answering a complaint please make sure you read all the details concerning the new information. AGAIN CASH APP SENT ME EMAILED STATING HAVENT RECEIVED ALL THE INFORMATION FROM XXXX ON XX/XX/XXXX AND I REPLIED WITH THE NEW INFORMATION AND ATTACHED A LETTER FROM THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
How do you denied a fraud claim when you cash app admits to not having all the information and when I sent the new information case was put in the system incorrectly. I still haven't received any further explanation of the denial and I have asked several times and no one has because cash app can't because there is no reason why it got denied. 
I still haven't received any further explanation of the denial and I have asked several times and no one has because cash app can't because there is no reason why it got denied. I would like to know how cash app can compare fraud to fraud transcations because the list you sent to compare transcations are fraud transcations your customer service rep didn't entered the fraud claim correctly to begin with they only entered 2 transcations they are 19 of them. Cash states they have secruity measures in place to prevent anyone adding a card to an account that's not in the accounts holders name well that couldn't be true because if they did I wouldnt be here filing a complaint with cash app now would I. I have already spoke to attorney and he is ready to take yhe case on because I have evidence time stamped and dated that cash app.has no reason. To denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Denefits LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, a third-party collection agency attempting to collect on a {$2600.00} account ( XXXX XXXX account number XXXX ). I have identified numerous inaccuracies in the information they are reporting to the three major credit bureaus, including balances and details about services allegedly provided. 



XXXX XXXX, the original creditor, has gone out of business, and there are no records available from their company. Despite this, XXXX, XXXX continues to report this account as valid without providing any verification of the debt. 



I have made multiple requests to XXXX XXXX  to validate the debt and provide supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). To date, they have failed to respond to my requests. Their failure to verify the accuracy of the information while continuing to report it has negatively impacted my credit across all three bureaus ( XXXX, XXXX, and XXXX ). 



My specific concerns are as follows : 1. Inaccurate Information : XXXX, XXXX is reporting inconsistent and inaccurate details regarding the balance and services allegedly associated with this account. 

2. Failure to Provide Verification : I have repeatedly asked for verification of this account, but XXXX, XXXX has not complied, which is a violation of federal law. 

3. Unverifiable Debt : Since XXXX XXXX has gone out of business and there are no records available, XXXX, XXXX can not reasonably verify the debt as required. 



I request the CFPBs immediate intervention to : 1. Compel XXXX, XXXX to validate the debt with accurate documentation or cease collection activity entirely. 

2. Remove this account from my credit reports if they can not provide proper verification.

3. Notify all three credit bureaus of the inaccuracies and ensure the erroneous information is deleted from my credit history.

The continued reporting of unverified and inaccurate information is a clear violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I respectfully ask for your assistance in ensuring my rights are protected and this matter is resolved promptly.

Thank you for your attention to this issue. Please let me know if additional information or documentation is needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation