vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am writing to formally dispute your failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, my credit file still reflects a late payment from XX/XX/year>, despite the fact that XXXX has already corrected this inaccuracy after properly verifying it with the data furnisher. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, credit reporting agencies are required to conduct a fair and thorough reinvestigation of disputed information. If XXXX was able to verify with the data furnisher that the payment was on time, then XXXX and XXXX should both reflect identical, accurate information. Your continued reporting of this incorrect late payment demonstrates noncompliance with your obligations under federal law. 

I demand that you immediately : Reinvestigate this matter with the data furnisher and ensure the accurate reporting of my payment history. 
Update my credit report to reflect that my XX/XX/year> payment was on time. 
Provide me with an updated credit report reflecting these corrections. 
Provide a detailed explanation of how this information was " verified '' in your previous investigation. 
I have attached the following supporting documents : A copy of my updated XXXX credit report, showing that the late payment has been removed. 
Prior dispute correspondence. 
A copy of my identification for verification purposes. 
Failure to properly correct this inaccuracy will result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking all legal remedies available to me under 15 USC 1681n for willful noncompliance.

I expect a response within the 15-day period required by law. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
Hello my name is XXXX XXXX an i was banking with chime about XXXX late but the close my account saying that I violated there guidelines an they close my acccount so they had me send all this documentation in an they never got back with me in XXXX I still had a balance on XXXX. An after I sent everything in I lost my phone an got kicked out of my house so now fast forward I got back in the account an now they are asking for the same documents that I sent over XXXX  years ago so I sent the documents to them.. an I got access to the email now. So I talk to another one there representatives a they gave me an amount of the check an also a reference number. An also told me my check will be sent to me in XXXX days but now when I call back they telling a hole another story so I was told to contact you guys can you pleas help me Sent from my XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IM IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT : XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX XXXX XXXX XXXX Subsection XXXX please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your. I ATTACH A SCREENSHOT WITH THE INACCURACIES THAT EACH CREDIT BUREAU IS REPORTING AS THE DATE OF THE LAST PAYMENT. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: AL

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
So i had called TransUnion XXXX XXXX multiple times from XXXX untill now 1. you have the wrong address on my credit report i never lived there.at XXXX XXXX  2. they told me this would be off my report with the XXXX XXXX XXXX paid them 3. you guys have alot of things wrong like XXXX we were doing a pay out with XXXX we called XXXX  with XXXX XXXX the phone they were requesting the transfer pins to switch our numbers over. Then XXXX gave our numbers away to people we dont know not the transfer pin. to XXXX XXXX like they should so there fore XXXX couldn't buy them out because they didnt get the transfer pin for the numbers and to pay XXXX we would of just paid the remainder were still with XXXX  i have too phones that i had bought from XXXX  however we went to the corporate store XXXX said they should take some responsibly they gave there numbers to conatct they didnt agree with coorprate so i called u guys now im filing a complaint i don't think we should have to pay over XXXX to XXXX doallers because we could be getting charge for other people that have our numbers. plus we could of bought it if XXXX had been reasonable. 
XXXX a division of XXXX XXXX was in the XXXX  i had paid all my perosnal line credit off i ask for them to clsoe my accoutn they never did i been using it ever since trying to pay them off. im trying to see if there a settlement i work with pay lesser amount. 
XXXX last but least if someone can work with me that be great i been trying to buy a house and car i need my information updated and my credit score up. im single mom i can only affrod so much im trying really hard to manage these things work with you guys and all i ask is to please take in consideration my situiti\oun please help if u can.

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 2025-01-29 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: LEXISNEXIS
State: PA

Complaint narrative:
There is incorrect information on my LexisNexis consumer report. While I was trying to take out insurance for my car, they kept increasing my quote to take out insurance because there are four accidents on my report. I have never been in an accident or reported an accident. I requested a copy of my consumer report and someone with a different last name is on my report. Even though I have proof, XXXX will not let me start a policy with them without paying an outrageous amount because of my report. They charged me more than they should have during my last policy and will not refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts continue to appear on my credit report despite my previous disputes. I filed an FTC Identity Theft Report ( # XXXX ) and submitted disputes to the credit bureaus. As a result, some fraudulent accounts were removed, but XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX XXXX XXXX XXXX  remain, despite clear evidence that I did not open them. Additionally, there are fraudulent inquiries associated with these accounts. 

Under FCRA XXXX ( XXXX XXXX XXXXXXXX ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. By keeping these unauthorized accounts on my file, the bureaus are violating my rights under federal law and causing me financial and emotional distress. I am a college student, and this fraudulent activity is severely impacting my ability to build and maintain good credit. 

Furthermore, I am requesting a Method of Verification ( MOV ) under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these bureaus claim the accounts are valid, they must provide documented evidence of how they verified the accounts as belonging to me, including original applications with my signature. If they can not provide this, they are legally obligated to delete them. 

The following fraudulent accounts remain on my credit report and were not opened, authorized, or initiated by me : - XXXX XXXX Account # XXXX, opened XX/XX/year>, balance {$730.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  ) Account # XXXX, opened XX/XX/year>, balance {$6800.00} - XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, opened XX/XX/year>, balance {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section XXXXXXXX XXXX XXXX XXXX if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: FL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section XXXXXXXX XXXX XXXX XXXX if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NM

Complaint narrative:
XXXX waived my application into Full Class for XXXX v XXXX XX/XX/XXXX. 
I have checked in via chat on numerous occasions to check the status of my discharge. MOHELA representatives kept saying they didn't have any information or that XXXX did not send information yet. Meanwhile XXXX says they did send the information. 
On XX/XX/XXXX a new message appeared on my online account saying there is a " discharge application pending. '' Today XX/XX/XXXX I messaged with XXXX who's says " we filed discharge claim with the guarantor on XX/XX/XXXX please allow 90-120 business days to process. '' Why in this age of technology would it take over 3 months to process when others who went to the same school and did the same application and have the same servicer in this situation have already been discharged? ( Not to mention that other servicers are moving at a much faster pace for these discharges... ) Why did it take them 3 months just to get the information to process it in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: 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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 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 XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : XXXXXXXX XXXX XXXX  Section XXXX A. States I have the right to privacy ( XXXX ) 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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX   XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: WA

Complaint narrative:
Im writing to urgently request the removal of this account from my credit report. It is currently in pending litigation, and as such, it is not an accurate representation of my credit history.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Theses 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 2025-01-29 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: NY

Complaint narrative:
I write to dispute in its entirety the charge for {$2900.00} as well as the balance transfer fee of {$87.00}. The reason for my dispute is that XXXX failed to send a balance transfer to my correct XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I believe that XXXX stated that the funds were sent to anotheXXXX XXXX account with a one digit different at the end and that they have no policies or procedures in place to prevent incorrect transfers like this. They asked me to contact XXXX to give them permission to speak with XXXX to correct the charge and I did just speak with XXXX and they notated the account accordingly but said that XXXX needs to file a billing dispute with discover. 

As the records I sent XXXX say, I paid off my XXXX account because the balance transfer never came through to my account and that I closed my discovery account. There were no further charges made to it. 

In addition, Equifax, XXXX, and XXXX refuse to correct the XXXX tradeline. 

All of these entities are causing me harm including adverse credit events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I write to dispute in its entirety the charge for {$2900.00} as well as the balance transfer fee of {$87.00}. The reason for my dispute is that XXXX failed to send a balance transfer to my correct XXXX card Acct. No. XXXX XXXX XXXX XXXX. I believe that XXXX stated that the funds were sent to another discover account with a one digit different at the end and that they have no policies or procedures in place to prevent incorrect transfers like this. They asked me to contact XXXX to give them permission to speak with XXXX to correct the charge and I did just speak with XXXX and they notated the account accordingly but said that XXXX needs to file a billing dispute with discover. 

As the records I sent XXXX say, I paid off my XXXX account because the balance transfer never came through to my account and that I closed my discovery account. There were no further charges made to it. 

In addition, XXXX, Experian, and XXXX refuse to correct the XXXX tradeline. 

All of these entities are causing me harm including adverse credit events.

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 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Not true and accurate amount owed. Company did a consolidation of loans without my permission. Attached are the actual information from the actual US Dept of Education. Fact that company disregarded all request for deferment due to me being XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation