vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
Im writing because this has gone on far too long. There are accounts in pending litigation on my credit report that simply shouldnt be there. Ive contacted you multiple times about the error, yet nothing has changed. This inaction is impacting my credit score in ways that are damaging to me, and I cant let this slide any longer.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. I have been incorrectly billed. 
XXXX XXXX Account XXXX : XXXX Please update the status of this account to " paid on time. '' 10. I have been incorrectly billed. 
XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update the status of this account to " paid on time. '' 11. Validate this account XXXX XXXXXXXX Account Number : XXXX Delete at once 12. The following personal information is incorrect Former : XXXX XXXX 13. The following personal information is incorrect Also Known As : XXXX XXXX 14. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, I hereby request an investigation into these items and their subsequent removal from my report. It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that the creditor is unable to validate. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Kindly send an updated copy of my credit report to the aforementioned address. As per the act, no fee should be charged for this updated report. Additionally, I request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance with this matter.

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 2025-02-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on 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 2025-02-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The accounts that are included in my attachments and are seen on 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX reported this account as Collection/Charged off and have received the funds via IRS however , I was not sent the 1099C Form to report properly to the IRS as a income because they wrote the amount off and they need to remove the debt from my credit report as they have already been compensated via the IRS.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
XXXX reported this account as Collection/Charged off and have received the funds via IRS however XXXX I was not sent the 1099C Form to report properly to the IRS as a income because they wrote the amount off and they need to remove the debt from my credit report as they have already been compensated via the IRS.

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 2025-02-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
There are many details and instance to list. One example is how in late 2024, using Merrill Lynch Web Bill pay, I wrote checks to pay my Merrill Lynch mortgage. Merrill Lynch mortgage company claims that there were insufficient funds to cover the checks. Merrill Lynch 's online website for investments & banking listed more than enough funds available for withdrawal and, looking at statements, there seemed to be plenty of cash in the account. XXXX should have email records containing the subject line " Banking complaint ''. This is just one of many systemic errors I've experienced. My credit rating was impacted. My available credit was reduced by XXXX XXXX, causing auto billing to go unpaid. My credit line was decreased from {$5000.00} to {$500.00}. This resulted in me not being able to take advantage of a 0 % loan offer that would have saved me interest expense.

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 2025-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX This complaint was filed with CFPB and I received notification today that it was closed based on capital ones response regarding my account that was opened in XX/XX/year>. I have had accounts open with Capital One 360 for at least 1015 years and they should be going back and searching all accounts that are linked to my Social Security number so that they can respond properly. I feel that I am impacted by this pending lawsuit with capital one and their response is inadequate and incorrect. They should not be relying on me to explain every account I have open when they can look in their records to see. I received one phone call from a Capital One rep where I tried to give them information while on a business call But again they have all the data necessary by checking their internal records as I stated earlier based on my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
My Cashapp Account Was Closed For No Reason. I Reached Out And Contacted The Company But Got No Reasonable Response On Why It Was Closed Specifically. This Matter Is affecting Everyone Who uses the app or have money on the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved. 

XXXX The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-12 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-12 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: LA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Failure to Issue 1099-C which is required when debt is forgiven or cancelled per its regulations and reporting account as charged off, written off on all three-credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX I am filing a complaint regarding XXXX unauthorized hard inquiries on my Equifax credit report, which are a result of identity theft. These inquiries remain despite prior disputes and formal complaints, and I request their immediate removal : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), credit bureaus must report accurate and complete information. These inquiries are unauthorized and should be deleted. Equifax failed to provide a Method of Verification ( MOV ) for these entries, violating FCRA 1681i. 

Identity Theft Protections ( FCRA 1681c-2 ) : Under FCRA, unauthorized inquiries resulting from identity theft must be removed. I demand Equifax promptly removes these inquiries in compliance with identity theft protections. 

XXXX Law : As a XXXX  resident, I am protected under XXXX Statutes ( XXXX XXXX. XXXX & XXXX XXXX. XXXX ), which require the immediate removal of unverifiable or fraudulent information from my credit report. 

CARES Act : These inquiries were reported during the COVID-19 pandemic. Under the CARES Act, creditors were required to offer accommodations and report accounts as current. I request verification that these inquiries comply with CARES Act provisions. 

Resolution : I request the immediate removal of these unauthorized hard inquiries from my Equifax credit report. If Equifax can not verify these inquiries, they must be deleted. If not resolved within 15 days, I will take further action with the FTC, CFPB, and XXXX Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I am disputing the inaccurate late payments reported on my XXXX XXXX XXXXXXXX account as they do not align with the accurate payment status on my credit report. Under the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), credit reporting agencies are legally required to maintain accurate and fair reporting. According to 15 USC 1681i, I have the right to dispute any inaccurate information, and I am exercising that right by formally requesting a correction. Currently, my payment status is reported as " Paid or paying as agreed, '' yet late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are still listed in my payment history. This inconsistency violates 15 USC 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. Additionally, under 15 USC 1681b ( a ), a consumer report should only be furnished for permissible purposes, and inaccurate, damaging information does not serve a legitimate purpose under this section. These errors are negatively impacting my credit standing, and I am requesting the immediate removal of the incorrect late payments reported to match the correct payment status. I expect written confirmation that these errors have been corrected, as well as an updated copy of my credit report reflecting the necessary changes. If this matter is not resolved, I am prepared to take further action, including seeking claims under 15 USC 1681n for willful noncompliance and 15 USC 1681o for negligent noncompliance, as well as consulting legal counsel to explore all available remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-12 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: NC

Complaint narrative:
Experian and Equifax have both failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where both Experian or Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and Equifaxs inaction violates federal law and my rights.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy and validity of an account appearing on my credit report. This account contains inaccuracies, potential violations of federal law, and unverifiable information that require its immediate removal under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ]. Below are the account details in question : Account Details Under Dispute : Creditor Name : XXXX XXXX Account Number : XXXX Account Type : Revolving ( Credit Card ) Balance : {$2100.00} Status : Collection/Charge-Off Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( varies by bureau ) Date Last Reported : XX/XX/XXXX ( varies by bureau ) Legal Grounds for Deletion : Inconsistent and Unverifiable Information FCRA 1681i & FCRA 1681e ( b ) : The high credit limit is reported differently ( {$2400.00} on XXXX vs. {$1600.00} on XXXX ). The last reported dates differ across bureaus, suggesting potential re-aging of debt, which is illegal. The Date of Last Activity ( DLA ) and Date of Last Payment are inconsistent, showing that the creditors reporting is unreliable. 
Re-Aging of Debt FCRA 1681c ( a ) ( 4-5 ) Violation : If an account is charged off, it must be reported based on the original delinquency datenot the last update date. The Date of Last Activity varies between bureaus, which is a clear sign of re-aging to extend the reporting period. Re-aging is a federal violation, and any account re-aged must be removed immediately per FCRA 1681c ( a ) ( 4 ). 

Failure to Provide Verification FCRA 1681i ( a ) ( 1 ) and FDCPA 809 ( b ) : Under FCRA 1681i ( a ) ( 1 ), any disputed account must be verified within 30 days, or it must be deleted. If this debt was sold, transferred, or written off, the original creditor must provide validation of ownership. If the creditor can not verify the accuracy of this information, it must be removed immediately per FCRA 1681i ( a ) ( 5 ). 
Charged-Off Accounts are Not Legally Enforceable FCRA & FACTA Compliance : If an account is charged off, it is no longer an active debt obligation and should not continue to impact my report under FACTA guidelines XXXX Creditors can not continue to report an unpaid balance after the charge-off unless the account is legally enforceablewhich is not the case here.

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