vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX ( Equifax ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Equifax Legal XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion LLC ATTN : Office of General Counsel XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Incorrect data on Consumer Credit Reports Dear Equifax, Experian and TransUnion, I am disputing the reporting of the following collection accounts due to incorrect data on my consumer credit reports.

I am right into inform the three credit bureaus Equifax, Experian and TransUnion for inaccurate credit reporting ( 15 USC 1681 ) / ( 15 USC 1611 ) in accordance with The Fair Credit Reporting Act, as the furniture of the credit reported information in question and the maintenance of accuracy.

The following accounts listed below are reporting a balance of debt when the debt was charged off ( 1099C form Code 7, XXXX XXXX XXXX ), as proof or evidence. Therefore the debt was canceled and should not reflect any balance or selling of debt on my consumer credit file.

The current report indicate inaccurate reporting of three credit bureaus on behalf of ( FCRA ), ( 15 USC 1681 ) and ( 15 USC 1611 ). Therefore isn't violation of the Fair Credit Reporting act the furniture to continue reporting inaccurate information and conducting inadequate investigations that failed to address my consumer disputes properly.

By reinserting previous disputed and inaccurate information under the ( FCRA ), ( 15 USC 1681 ) and ( 15USC 1611 ). That the three credit bureaus have failed to protect my rights and the correct reporting of data on my consumer credit report.

Listed below please review the inaccurate information on my consumer credit report : XXXX XXXX XXXX XXXX Closed Acct # XXXX Original Debtor XXXX XXXX XXXX Acct XXXX XXXX, XX/XX/XXXX charge-off amount {$340.00} Original Debtor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX charge-off amount {$7600.00} XXXX XXXX XXXX / Original Debtor XXXX XXXX XXXX Acct # XXXX amount {$920.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX written off Acct # XXXX XX/XX/XXXX account closed in XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX charge-off /written off amount {$660.00} amount {$1100.00} Acct # XXXX Original Debtor XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX amount {$350.00} Original Debtor XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX amount 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 2025-03-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) XXXX XXXX XXXX XXXX ( TransUnion ) XXXX XXXX ( Equifax ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Equifax Legal XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX TransUnion LLC ATTN : Office of General Counsel XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX Subject : Incorrect data on Consumer Credit Reports Dear Equifax, Experian and TransUnion, I am disputing the reporting of the following collection accounts due to incorrect data on my consumer credit reports.

I am right into inform the three credit bureaus Equifax, Experian and TransUnion for inaccurate credit reporting ( 15 USC 1681 ) / ( 15 USC 1611 ) in accordance with The Fair Credit Reporting Act, as the furniture of the credit reported information in question and the maintenance of accuracy.

The following accounts listed below are reporting a balance of debt when the debt was charged off ( 1099C form Code 7, XXXX XXXX XXXX ), as proof or evidence. Therefore the debt was canceled and should not reflect any balance or selling of debt on my consumer credit file.

The current report indicate inaccurate reporting of three credit bureaus on behalf of ( FCRA ), ( 15 USC 1681 ) and ( 15 USC 1611 ). Therefore isn't violation of the Fair Credit Reporting act the furniture to continue reporting inaccurate information and conducting inadequate investigations that failed to address my consumer disputes properly.

By reinserting previous disputed and inaccurate information under the ( FCRA ), ( 15 USC 1681 ) and ( 15USC 1611 ). That the three credit bureaus have failed to protect my rights and the correct reporting of data on my consumer credit report.

Listed below please review the inaccurate information on my consumer credit report : XXXX XXXX XXXX XXXX Closed Acct # XXXX Original Debtor XXXX XXXX XXXX Acct XXXX XXXX, XX/XX/XXXX charge-off amount {$340.00} Original Debtor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX charge-off amount {$7600.00} XXXX XXXX XXXX / Original Debtor XXXX XXXX XXXX Acct # XXXX amount {$920.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX written off Acct # XXXX XX/XX/XXXX account closed in XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX charge-off /written off amount {$660.00} amount {$1100.00} Acct # XXXX Original Debtor XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX amount {$350.00} Original Debtor XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on 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 XXXXXX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

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 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent dispute letters to Experian, XXXX and XXXX. Experian and XXXX are not updating my information correctly and they are providing inaccurate information on my credit report. XXXX took over 30days to send me anything in the mail and they are still not updating accurate information to my credit report, these items should have been deleted since they took over the allowed timeframe to process the request.

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 2025-03-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My personal data was breached on Experian Equifax and Transunion and I am requesting all negative information and inquiries be removed immediately.

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 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. My specific issue remains unresolved, and I have not received any direct redress pertaining to my individual complaint. Given that my concern has not been adequately addressed, I request that my complaint remain open and active until a satisfactory resolution is achieved. Closing the complaint at this stage would be premature and neglectful of the unresolved nature of my specific issue. I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which mandates that companies conduct reasonable investigations into consumer disputes. Failure to do so can result in liability under the FCRA. While my complaint may not directly pertain to credit reporting, the principle underscores the importance of thoroughly investigating and resolving consumer complaints. I urge you to take the necessary steps to address my specific concern promptly. Please provide a detailed response outlining the actions being taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Had a baby in XXXX, missed my payment. Paid account in full and messaged customer service immediately. They've since only credited back XXXX of one late fee and even though account balance was paid in full have since charged a second late fee and finance charge on top of the other late fee. No further charges were made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-01 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I don't know the dates because I never had some of the accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Did not authorize this credit hard inquiry, fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This Company violated my rights to privacy, have not showed me proof of original agreement and has a negative item on my credit report I gave no permission to or signed any contracts for.

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 2025-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$330.00}

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 2025-03-01 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: NM

Complaint narrative:
DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCULDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH THE SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, AND FCRA Section605 ( c ), Section 611 Part ( A ) ( 1 ). This complaint is NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.Code 1681n, Commerical Law,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have 2 hard inquiries I dont give permission to company to do that, my other credit bureau removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

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 XXXX. 

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( 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 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 2025-03-01 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: VA

Complaint narrative:
There are inquiries on my credit report that I did not authorize. Specifically car loan inquiries and personal loan inquiries.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested that TransUnion Credit Bureau investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXXThank you for your prompt attention to 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 2025-03-01 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against [ Transunion ] for its negligent handling of my consumer information, resulting in a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. This negligence has adversely affected my creditworthiness and caused me undue distress.

Details of the Incident : : [ XXXX XXXX, XXXX XXXX ] No action has been taken by the company nor calls have been returned. I am profoundly upset with the whole situation. 
Impact on Me : I have not applied for any services any time recently, I do not understand where these charges are coming from. Also there is a lot of hard inquiries affecting my credit that have been on my report for more than a year that should no longer be there. Ive spoken to transunion plenty of times and was advised the situation will be handled but nothing has been.. 
Legal Basis for Complaint : Under 15 U.S.C. XXXX, any person who negligently fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. This includes failing to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 
XXXX I would hope most of these charges on my report including the hard inquiries are removed or I will have to take further steps to resolve the situation. 

To rectify this situation, I request the following actions : Immediate Investigation : Conduct a thorough and prompt investigation into the circumstances surrounding this incident. 
Correction of Information : If any inaccuracies are found, promptly correct them in all consumer reporting agencies where they have been reported. 
Compensation for Damages : Provide compensation for any actual damages sustained as a result of this negligence, including but not limited to any adverse effects on my credit score and the emotional distress caused.

Preventive Measures : Implement measures to prevent future occurrences of similar negligence, ensuring compliance with all FCRA requirements. 
Please acknowledge receipt of this complaint within [ XXXX ] days and inform me of the steps you will take to address this issue. I expect a resolution within [ XXXX ] days from the date of this letter. If I do not receive a satisfactory response, I will consider pursuing further action, including filing a complaint with the Consumer Financial Protection Bureau and seeking legal remedies. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2025-03-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My information was leaked in a couple data breaches

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Bankruptcy on my name is not correct. Please investigate it and send me updated credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Did not authorize this credit hard inquiry, fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-03-01 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: TX

Complaint narrative:
This Company violated my rights to privacy, have not showed me proof of original agreement and has a negative item on my credit report I gave no permission to or signed any contracts for.

Company response to consumer: Closed with explanation