vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account # 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 2025-01-25 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report which cXXXX XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these accounts are in violation of not reporting XXXX XXXX  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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
I want reported accounts removed. 
XXXX XXXX XXXX for {$1400.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX XXXX $ XXXX been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me XXXX XXXX XXXX for {$3100.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me. 

XXXX XXXX for {$2500.00} has been reported and asked to investigate. No answer, no confirmation, and account is on my report. Does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: SC

Complaint narrative:
Information on credit reporting agency 's such as equifaxs, experian, and XXXX had mismatched XXXX regarding my personal information such as work history, XXXX XXXX XXXX have open account that can be closed and taken off due to debt no longer exists but says active on my report by the name of XXXX XXXX XXXX, debt collectors such as XXXX XXXX  do not have a signed copy agreeing to pay back debt to collection agency that bought debt from original lender,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: Credit Karma, LLC
State: CA

Complaint narrative:
credit karma has illegally pulled my credit XXXX times since XXXX according to experian. 
XXXX XXXX 

this is a crime. there is ongoing litigation. stop. as i have written and demanded many times before. i have opted out of all credit products years ago. this is criminal. send the response to XXXX and XXXX  XXXX XXXX XXXX New York XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
Dear Experian, I am writing to dispute inaccurate information that remains on my credit report, despite my previous attempts to resolve this issue. I have reviewed my credit file and noticed continued inaccuracies that I initially disputed. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate or incomplete information on my credit report corrected or removed, and it is your responsibility to investigate and resolve these disputes in a timely and accurate manner. 

I would like to highlight that, in the past, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to comply with the FCRAs requirements to properly handle consumer disputes. In the lawsuit, it was alleged that Experian did not appropriately investigate and resolve disputes, leading to the persistence of inaccurate information on consumer credit reports. As a result, I am requesting that Experian conduct a thorough and accurate investigation into the items I have disputed. 

Specifically, I am disputing the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate these matters thoroughly and correct or remove any inaccuracies from my credit report. I expect that the results of your investigation be sent to me within the 30-day period required under the FCRA. 

Thank you for your prompt attention to this matter. If you require any additional information from me to assist with your investigation, please feel free to contact me at via email at 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 2025-01-25 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: OH

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 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
Its incredibly disheartening to see how inaccuracies on my report are impacting my score and limiting my opportunities. Ive put in hard work to manage my finances, yet Im being held back by errors that shouldnt be there. Its not fair, and its incredibly frustrating.

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 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My credit card was used without my consent and my bank closed my credit card down due to suspicious/fraudulent activity which led to putting a fraud alert on my file and now I have no choice but to take care of the debt of XXXXXXXX XXXX  that I shouldnt be responsible for, plus fees because of late payments due to not being able to provide for myself at the moment due to my XXXX 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 2025-01-24 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: NJ

Complaint narrative:
I put a dispute in with Experian XXXX, XXXX about the XXXX accounts that Ive been complaining about XXXX is for Credit collection XXXX XXXX  is for credit acceptance. Ive been disputing the second account for the past XXXX years experience have refused to remove that account off my credit report which I asked him XXXX times to remove it, and I sent documentation to them that it needs to be removed. Also, I also sent them documentation about them to remove the credit collection service which they did their investigation and I was not pleased with the investigation that they have done under the law XXXX XXXXXXXX XXXX XXXX XXXX XXXX  experience still refuse to move these XXXX accounts off my credit report I feel as though they are not properly investigating to delete these XXXX items, credit acceptance, and also credit collection service.

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 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I had a phone I rarely used and it got stolen and didn't know it till the day it happened when I got a text from cashapp saying my devices were removed and a debit card added and my cash pin reset on my cashapp and as soon as I saw that I immediately called cashapp and explained everything and started a claim and in 2 days it was denied saying no error occured because a security pin was used I called them back and explained it all over again and after the 4th time filing a claim within the second day of each they still denied it and I called and told them that they are not even investigating this at all they not looking at the evidence and I even filed a police report and gave it to them still denied so quickly... this occured XXXX about XXXX a.m as they stoled {$150.00} from my acct but cashapp refuses to investigate thoroughly and only come back with the same conclusion that no error occured cause a safety feature pin was used ... .I feel I have been let down by cashapp and I been a good customer to them for nearly 3 yrs with direct deposit also and I have done all I can do at this point cause cashapp is defiantly denying me cause they don't want to pay it and they have all the evidence right before them and I even told them ... .maybe you can help me get my money back or tell me what else can I do because I am not gon na let this go and I even told cashapp that?? Had they sent me a code to my phone this would had never happened and I have the 2 factor set up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
If you can see to they had sent me a message back but ignored me again as you can see.. in the documents and I would like First Citizens Bank to review my account and readdress the terms of the contract to reflect a fair outcome, specifically aiming to satisfy my account balance to XXXX. I request a formal response from the CFO or another senior executive, and clear, actionable steps to resolve my issue. This resolution would be in the best interest of both parties and would help me move forward with a clean slate. When I read my consumer bill of rights thats why I want to readdress because this is not beneficial my Government name ( XXXX ) at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraud Alert and Request for Access to Credit Report Dear TransUnion Consumer Solutions, I am writing to formally dispute the fraud alert that has been placed on my credit report and to request immediate action to resolve this matter. Recently, I applied for a bank account and was informed that TransUnion reported a fraud alert on my credit report. Upon contacting your office, I was told that this fraud alert is on my file. However, I was not informed of who initiated this fraud alert, and I did not authorize it. I am requesting that you provide me with the following : 1. The details of who placed the fraud alert on my credit report. 
2. Immediate removal of the fraud alert if it was placed in error or without my consent.

Additionally, I have been unable to access my credit report through your online portal for the past three years. Despite my repeated requests to unblock my report, I have been denied access. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am entitled to access my credit report. Please unblock my credit report immediately so I can review it for accuracy and ensure my rights as a consumer are upheld. 
Lastly, I have noticed inquiries in my credit report that I believe are the result of trafficking. These inquiries are unauthorized and should be removed. Please investigate these inquiries and provide me with a resolution. 
I am requesting a written response within 30 days of receiving this letter, as required by FCRA. Please send your response to the address listed above. Please resond only via email address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX 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 2025-01-25 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: CT

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management , Inc. is an American debt buyer and debt collection company headquartered in XXXX XXXX, XXXX and has offices throughout the United States as well as in XXXX and XXXX XXXX. It is a wholly owned subsidiary of XXXX XXXX XXXX. This company claims that I have a debt that I owe to them. But I have never done business with this company. I have had the debt removed from my XXXX and XXXX credit reports. Im currently disputing this on that credit report as well. I was harassed by a barrage of phone calls threatening me and letters saying that I could face jail time if I didnt pay back the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 XXXX hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB make 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 partial acct # XXXX .... 
- Management Support partial acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX partial acct # XXXX and XXXX... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX 
- XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 
XXXX XXXX XXXX XXXX  partial acct # XXXX .... 



Thank you.

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 2025-01-25 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: TX

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 XXXX hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB make 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 partial acct # XXXX .... 
- Management Support partial acct # XXXX XXXX XXXX XXXX XXXX XXXX partial acct # XXXX and XXXX... 
- XXXX XXXX partial acct # XXXX - XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX 
- XXXX XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 
- XXXX XXXX XXXX partial acct # XXXX .... 



Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX {$250.00} date opend : XX/XX/XXXX XXXX XXXX BALANCED {$500.00} DATED OPEN : XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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