vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
these are the accounts that I have marked accounts inacurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Since XX/XX/year>, I have been working with the company 's trying to remove old and or inaccurate information from all XXXX credit monitoring agencies. They would constantly send letters staying that it seemed like a XXXX party was doing the request so no action was taken. It's becoming frustrating that I can not get the answers I am looking for with theses companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Since XX/XX/year>, I have been working with the company 's trying to remove old and or inaccurate information from all XXXX credit monitoring agencies. They would constantly send letters staying that it seemed like a XXXX party was doing the request so no action was taken. It's becoming frustrating that I can not get the answers I am looking for with theses companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian and XXXX repotting incorrect 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed a late payment for XX/XX/year> ( was not 30 days late ) after verifying with XXXX. Was not removed from my credit report.. also, my score just decreased again for a balance increase with XXXX despite my account still being current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX and Experian both have inaccurate and wrong information on my profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dispute of Incorrect Name and Address Information Dear Sir or Madam, I am writing to formally dispute the incorrect name and address information reported on my credit file. Upon reviewing my credit report. 

These inaccuracies are affecting my credit report and, potentially, my credit score. I request that these incorrect names and addresses be removed from my credit file immediately. 

Please investigate and remove the erroneous information from my credit report. 

As required by the Fair Credit Reporting Act, I expect your investigation to be completed within 30 days, and I would appreciate written confirmation that these discrepancies have been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dispute of Incorrect Name and Address Information Dear Sir or Madam, I am writing to formally dispute the incorrect name and address information reported on my credit file. Upon reviewing my credit report. 

These inaccuracies are affecting my credit report and, potentially, my credit score. I request that these incorrect names and addresses be removed from my credit file immediately. 

Please investigate and remove the erroneous information from my credit report. 

As required by the Fair Credit Reporting Act, I expect your investigation to be completed within 30 days, and I would appreciate written confirmation that these discrepancies have been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation Under the fair credit reporting act to conduct a reasonable investigation for disputed on my credit report leaving an inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently. Filed a lawsuit against Experian. Alleging systemic issues. Such as failing to forward, consumer provided evidence to furnishers, excepting unreliable responses and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed these items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate action to either remove or amend the disputed accounts, as XXXX inactions violates federal laws and my rights as a 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian, XXXX, XXXX has furnished inaccurate information, illegal inquiries, and has caused significant injury to my character, my report, and has affected my ability to extend my credit; for personal use. theyve allowed XXXX XXXX XXXX XXXX violate multiple consumer rights and privacy rights, caused injury tangible and intangible. On XX/XX/year> a debt validation letter regarding XXXX # XXXX in the amount of {$790.00}, and a statement was sent. the major XXXX reporting agencies has allowed these inaccuracies to go on unchecked, and ive had to stress myself to make sure everyone comes with clean hands and so far met with dishonor. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. they have a DUTY and OBLIGATION to maintain accuracy and privacy. Exemption : the process or state of excluding or being excluded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in 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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Dates are not possible to list as this has been an ongoing issue for several years. 
XXXX XXXX XXXX is XXXXXXXX XXXX. Some XXXX in fraudulent charges were disputed. XXXX never provided a list of charges dispite numerous requests. XXXX has sold the Debt to Midland Credit, a recovery firm. I have communicated with Midland recently. A supervisor " XXXX '' was offered a reasonable cash settlement to just make this go away. The amount they feel they needed to recover is roughly XXXX of the XXXX in fraudulent charges. I had already paid XXXX of the fraudulent charges when the negotiations became oppressive. I already warned them if my credit was damaged by their recovery efforts without substantial proof this debt was owed, I would take action to bring suit. 
I offered " XXXX '' XXXX on XX/XX/year>. XXXX tried to make it XXXX. I'm sure he's believes he is doing his job. XXXX made no additional efforts to set up a payment plan. The call ended. 

I am looking for a source of mediation in this matter. 
The dept should have been resolved while I was still in communication with XXXXXXXX XXXX. I didn't hear anything more about it. 
It has come up again with this less than reputable XXXX XXXX 

Can you help me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Debit approved transactions thats was approved. Allowing the account to overdraft then later access fees

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
MY CREDIT REPORT IS REPORTIG ERROS IN SOME ACCOUNTS WHICH IS A VIOLATION OF THE FCRA. THE ACCOUNTS HAVE DIFFERENT DATES OF LAST ACTIVITY/STATUS DATE AND INACCURACIES IN THE PAYMENT HISTORY BETWEEN XXXX, EQUIFAX, AND XXXX FOR EACH ACCOUNT LISTED. UNDER THE FCRA, THESE ACCOUNTS MUST BE DELETED ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE 3 ACCOUNTS THAT ARE REPORTING INACCURACIES IN THE PAYMENT HISTORY, THE DATE OF LAST ACTIVITY/STATUS DATE BETWEEN EQUIFAX, XXXX. AND XXXX. THIS IS A VIOLATION OF THE FCRA. PLEASE UPDATE EACH ACCOUNT TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE ENTIRE PAYMENT HISTORY ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX ACCOUNTS )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
Has negative marks on my credit Also velocity has threatened with lawyers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 proces 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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally file a complaint against the three major credit bureausEquifax, XXXX, and XXXXregarding significant discrepancies across my credit reports. Each of these bureaus has reported different information, which is inaccurate, misleading, and potentially damaging to my credit profile. Despite my attempts to resolve these discrepancies directly with the credit bureaus, I have not seen a resolution or even a satisfactory explanation for why these errors persist. 

Upon reviewing my credit reports from each of the three bureaus, I have noticed the following discrepancies : Different Collection Accounts : Each credit bureau is reporting different collection accounts, some of which I have no knowledge of or responsibility for. 
Inconsistent Information : The same account may be reported differently ( in terms of status, balance, or date of last payment ) across the bureaus, leading to confusion and a lack of clarity in my credit history. 
Unverified Entries : Some accounts listed are not verified, and I have not been provided with documentation or verification from the creditors or debt XXXXollectors involved.

These discrepancies are causing severe harm to my credit standing and making it impossible to get a clear and accurate view of my financial history. The lack of consistency across the three reports is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also creates an environment where I am unfairly penalized based on inaccurate and incomplete information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the following : The credit bureaus comply with the legal requirement to report accurate and consistent information. 
The disputed items are corrected or removed based on the results of an independent investigation by your office. 
The credit bureaus are held accountable for failing to maintain consistency in their reporting of my credit information. 
Enclosed, you will find copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the discrepancies I have outlined. I have also included any communication Ive had with the bureaus, as well as any responses or lack thereof. 

I request that you keep me informed throughout the resolution process and provide me with a summary of the actions taken to address my complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue

Company response to consumer: Closed with non-monetary relief