vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian Incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Never lived here ) Experian XXXX XXXX Date opened : XX/XX/XXXX Account type : Revolving Late Payment XX/XX/XXXX ( Payment was made early ) Experian Incorrect Names on Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Full Name : XXXX XXXX XXXX or XXXX XXXX -- -- -- -- -- -- - XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account type : Revolving Accout status : Open Late Payment XX/XX/XXXX ( Payment was made early ) -- -- -- -- -- -- Transunion Incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( I never lived at these addresses ) Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX Transunion Incorrect Numbers XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Correct Number : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  XXXX Date opened : XX/XX/XXXX Account type : Revolving Account status : Open Late or Missed payment ( Payment was made on time )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: FL

Complaint narrative:
Please check the information concerning the Equifax data breach below in attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ( XXXX XXXX XXXX  ( CLOSED ) : Account : 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
Consumer complaint received 2025-02-01 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : ( XXXX XXXX XXXX  ( CLOSED ) : Account : XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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 XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my 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 2025-02-01 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: I.C. System, Inc.
State: TX

Complaint narrative:
I have no liability to I.C. SYSTEM, INC for they are a XXXX  party debt collector and I have contract no with them. I.C. SYSTEM, INC brought the debt from XXXX XXXX XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like I.C. SYSTEM, INC to provide me the direct contract between them and XXXX XXXX XXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such XXXX party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX  party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never given a notice or a way to opt out of I.C. SYSTEM, INC, XXXX, and XXXX reporting this to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
I came across the CFPB Experian Lawsuit. 

I feel I was negatively impacted by Experian and Transunion, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified. 

Affidavit dispute letters, ftc reports, police reports, complaint with you, CFPB are all the routes that I took to remove these inaccurate items. Experian & Transunion REFUSE to leave items deleted and continuously report inaccurate items. This has caused financial hardship and would like the inaccurate items removed. XXXX XXXX auto account, revolving credit cards, personal loans that are inaccurate should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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 proce 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any
consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: NJ

Complaint narrative:
I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my credit score down unfairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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:
Dear EQUIFAX, I hope this letter finds you well. I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed an inquiry listed that I do not recognize or recall authorizing. 
The details of the inquiries in question are as follows : o Creditor/Institution Name : [ XXXX XXXX ] o Date of Inquiry : [ XXXX XXXX XXXX  ] o Creditor/Institution Name : XXXX XXXX XXXX  ] o Date of Inquiry : [ XXXXXXXX XXXX XXXX  ] o Inquiry Type : [ Hard inquiry ] I have thoroughly reviewed my records, and I can confirm that I did not authorize this inquiry. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already contacted the original creditor who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove this inquiry from my credit report as it does not belong there. 
Please confirm in writing once the inquiry has been removed, or if any additional documentation is needed to support my request. 
I appreciate your prompt attention to this matter. Should you need to contact me for any further information, I can be reached at [ XXXX ] or via email at [ XXXX ]. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Advantage Auto Sales, Inc.
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXXXXXXXXXX XXXX XXXX XXXX XXXX ADVANTAGEXXXX XXXX XXXX XXXX ADVANTAGEXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: NE

Complaint narrative:
At or roundabout at or roundabout XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I was contacted by acima For like the 6 or 7 time and I told them for the 6 or 7 time. Why are you contacting me by debt? That has been discharge as part of a bankruptcy. They continue to arrest me. I would like punitive damages. I would like them to be fine whether the money goes to the cfpb or me, it matters not, I just want them fine. Is harassment? And it is redundant below? I have a touch. The evidence of they call me at about XXXXXXXX XXXX which is after business hours 2 and they talked from XXXX to about XXXX, add told him XXXX that the account that he was calling me about. What's on a bankruptcy? I may have been told this several times and the guy instead, instead, uh capitulating and said he understood he. Chose to continue to try to grill me and uh, uh, and interrogate me, uh, as if he was a law enforcement. 

rewrite Around XXXXXXXX XXXX on XX/XX/XXXX, I was contacted by Acima for the sixth or seventh time regarding a debt that had already been discharged in bankruptcy. Despite informing them multiple times about the discharge, the representative continued to press me about the debt, even after I clarified its status. This persistence felt harassing and intrusive, especially since it occurred after business hours. 

Under the **Fair Debt Collection Practices Act ( FDCPA ) **, creditors are prohibited from contacting you about debts discharged in bankruptcy, making calls after XXXXXXXX XXXX or engaging in harassment or abusive behavior [ 1 ] [ 4 ] [ 7 ]. Violations of these protections allow you to sue for damages, including punitive damages, emotional distress, and attorney fees [ 1 ] [ 5 ] [ 9 ]. Repeated contact despite knowledge of a bankruptcy discharge could be grounds for legal action. 

You should document all interactions ( times, dates, and content of calls ) and consider consulting an attorney to explore filing a lawsuit against Acima for violating the FDCPA [ 9 ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX I was advised there were purchases on my CitiBank account. The purchases were made in XXXX and were not made by me or anyone connected to me. These fraudsters also got into my bank account! 

Citibank Fraud Department worked the case and advised me I wasnt responsible for the purchases. The first time I received a past due bill I called CitiBank and they advised me there was not balance on my account and because of the fraud, Id be wise to lock my account. Since I only use that account for my XXXX membership fee, I got off the phone and locked my account.

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 monetary relief
Consumer complaint received 2025-02-01 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 now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
Unable to speak to a live agent for assistance. Not properly investigating claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
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 proce 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 ( 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 proce 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 2025-02-01 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:
XXXX XXXX XXXX  
To: CONSUMER FINANCIAL PROTECTION BUREAU 

 
SUBJECT: REINSERTION FROM TRANSUNION 

ACCOUNT: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  I RECEIVED A DOCUMENT FROM XXXX XXXX XXXX XXXX  STATING THAT THIS ACCOUNT IS CLOSED AND DELETED. 

***SEE ATTACHMENT*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 explanation