vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Department po box XXXX XXXXXXXX XXXX XXXXXXXX Subject : Credit Report Dispute - Account Number : XXXX Dear XXXX  Dispute Department, I am writing to dispute inaccurate information contained in my XXXX credit report regarding the account listed under [ Creditor Name ] with the account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information on my credit report. 

Upon reviewing the payment history and status of this account, I have identified several inaccuracies : XXXX. Multiple Charge-Off Entries : The payment history section reflects charge-off notations for multiple consecutive months, including XX/XX/XXXX to XX/XX/XXXX, as well as prior months in XXXX and XXXX. This is inaccurate because a charge-off is a one-time event and should not be reported repeatedly across several months. This misrepresentation negatively impacts my credit profile. 
XXXX. Duration of Reporting : The account shows charge-off entries spanning a prolonged period without clear explanation or substantiation, contrary to FCRA guidelines requiring accurate and complete reporting. 
XXXX. Conflicting Information : The status of this account is unclear. While it reflects repeated charge-off statuses, no specific updates or adjustments are shown to account for ongoing payment activity. 

Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. I am requesting the following actions : Conduct a full investigation into this account to verify the accuracy of the charge-off reporting. 
Remove or correct any inaccurate information regarding the charge-off status. 
Provide me with a written explanation of your findings and actions taken. 

For your reference, I have attached a copy of my credit report highlighting the disputed inaccuracies. 

Please note that the FCRA requires credit reporting agencies to investigate disputes within XXXX days and provide the results. If the information can not be verified, it must be removed or corrected under 15 U.S.C. 1681i ( a ) ( 5 ).

Thank you for your prompt attention to this matter. I look forward to receiving a response regarding this dispute. If you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX This letter includes specific inaccuracies and references relevant sections of the FCRA to support your dispute. Let me know if you need further refinements!

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 2025-01-21 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Department po box XXXX XXXX, XXXX  XXXX Subject : Credit Report Dispute - Account Number : XXXX Dear XXXX Dispute Department, I am writing to dispute inaccurate information contained in my XXXX credit report regarding the account listed under [ Creditor Name ] with the account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681i ( a ), I have the right to dispute inaccurate or incomplete information on my credit report. 

Upon reviewing the payment history and status of this account, I have identified several inaccuracies : XXXX. Multiple Charge-Off Entries : The payment history section reflects charge-off notations for multiple consecutive months, including XX/XX/XXXX to XX/XX/XXXX, as well as prior months in XXXX and XXXX. This is inaccurate because a charge-off is a one-time event and should not be reported repeatedly across several months. This misrepresentation negatively impacts my credit profile. 
XXXX. Duration of Reporting : The account shows charge-off entries spanning a prolonged period without clear explanation or substantiation, contrary to FCRA guidelines requiring accurate and complete reporting. 
XXXX. Conflicting Information : The status of this account is unclear. While it reflects repeated charge-off statuses, no specific updates or adjustments are shown to account for ongoing payment activity. 

Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. I am requesting the following actions : Conduct a full investigation into this account to verify the accuracy of the charge-off reporting. 
Remove or correct any inaccurate information regarding the charge-off status. 
Provide me with a written explanation of your findings and actions taken. 

For your reference, I have attached a copy of my credit report highlighting the disputed inaccuracies. 

Please note that the FCRA requires credit reporting agencies to investigate disputes within 30 days and provide the results. If the information can not be verified, it must be removed or corrected under XXXX XXXX. XXXX ( a ) ( XXXX ). 

Thank you for your prompt attention to this matter. I look forward to receiving a response regarding this dispute. If you require additional information, I can be reached at XXXX or XXXX Sincerely, XXXX XXXX This letter includes specific inaccuracies and references relevant sections of the FCRA to support your dispute. Let me know if you need further refinements!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX account XXXX amount {$2300.00} Phone number XXXX and XXXX Address XXXX XXXX XXXX XXXX. XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: GA

Complaint narrative:
XXXX charged me monthly to monitor my credit report with all three bureaus XXXX XXXX and Transunion. They reported mis information on all yet my XXXX XXXX did not increase with any of the bureaus. Yet they changed monthly for mis information.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX charged me monthly to monitor my credit report with all three bureaus XXXX Equifax and XXXX. They reported mis information on all yet my credit score did not increase with any of the bureaus. Yet they changed monthly for mis information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone made up a business using my name address and ssn on XXXX trying to get a Business Credit Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: 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 15 USC 168 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  has violated my rights. I look at my Experian Credit report on XXXX and noticed something are incomplete and not accurate.And according to the Fair Credit Reporting act.Whenever a consumer Reporting agency prepares consumer report it Shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom report relates according to 15 USC1681 ( E ) ( B ) .And according to 15 USC 1681i 5 They are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) in general after any reinvestigation under paragraph ( 1 ) of information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer Reporting agency Shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item or information as appropriate base on the results of the reinvestingation ; and promptly notify the furnishers of that information that the information has been modified or deleted from the file of the consumer

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
This was marked as a duplicate complaint and it is not* I am filing this complaint regarding inaccurate reporting by Bridgecrest on my credit report. Over XXXX late payments have been reported incorrectly, and my account is being shown as delinquent or derogatory when it is not. I have requested numerous times for documentation to be mailed to me or emailed and have received nothing. Key Issues : Incorrect Late Payment Reporting : Bridgecrest has inaccurately reported over XXXX late payments for my auto loan account to the credit bureaus ( XXXX, XXXX, and XXXX ). These late payments are not accurate, and Bridgecrest has failed to provide any documentation or payment history to validate their reporting. Failure to Investigate Disputes : I have disputed these inaccuracies with both Bridgecrest and the credit bureaus, but no proper investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA, Section 1681s-2 ( b ) ), Bridgecrest is required to investigate disputes and ensure accurate reporting, which they have not done. Lack of Documentation : I have repeatedly requested account statements and payment history from Bridgecrest to verify the accuracy of their reporting. They have failed to respond to these requests, leaving me unable to validate or correct the reported information. Harm Caused : The inaccurate reporting has severely damaged my credit score, preventing me from refinancing my auto loan or securing other financing. This situation has caused financial and emotional stress, as I am unable to resolve these inaccuracies without Bridgecrests cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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


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

I demand the late payment to be updated.

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

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

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: KY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against CashApp ( Block inc ) due to inadequate customer service and unfair practices, which violates 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 unprotected and vulnerable.

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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$40.00}, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please help me create a dispute letter for 1681O for civil negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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.

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is income information still showing on all three credit agencys. My credit and social security information is hack and among the social security breach that occurred. 

XXXX and XXXX are reporting capital incorrectly. They reporting this delinquent when my balance was paid off several years ago. 

I have filed and turned in a police report and and agencies are still closing to hinder my progress to purchase a new vehicle and home. 

Everything I call or go online to dispute or submit. XXXX transunion and XXXX seems to only send me to a link to siren up and pay for services.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is income information still showing on all three credit agencys. My credit and social security information is hack and among the social security breach that occurred. 

Equifax and XXXX are reporting capital incorrectly. They reporting this delinquent when my balance was paid off several years ago. 

I have filed and turned in a police report and and agencies are still closing to hinder my progress to purchase a new vehicle and home. 

Everything I call or go online to dispute or submit. Equifax XXXX and XXXX seems to only send me to a link to siren up and pay for services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: T.S. Holdings
State: TX

Complaint narrative:
There is income information still showing on all three credit agencys. My credit and social security information is hack and among the social security breach that occurred. 

XXXX and XXXX are reporting capital incorrectly. They reporting this delinquent when my balance was paid off several years ago. 

I have filed and turned in a police report and and agencies are still closing to hinder my progress to purchase a new vehicle and home. 

Everything I call or go online to dispute or submit. XXXX XXXX and XXXX seems to only send me to a link to siren up and pay for services.

Company response to consumer: Closed with explanation