vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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:
XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXXXX/XX/XXXXXXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXXXX/XX/XXXXXXXX account. This complaint specifically pertains to the credit file maintained by XXXX, XXXX, and Equifax. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : Equifax : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and XXXX : Report a 30-day late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by XXXX and XXXX, but {$0.00} by Equifax. 
Payment Amount : {$64.00} ( XXXX and Equifax ), {$100.00} ( XXXX ). 
Last Verified Date : XXXX : XX/XX/XXXX ; XXXX : Not reported ; Equifax : XX/XX/XXXX. 
Date of Last Activity : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the r
eporting of false or misleading information regarding a consumers debt.

Requested Resolution : I request the following actions be taken : Conduct a comprehensive investigation into this matter. 
Remove the inaccurate late payments reported for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THEY WERE NOT OPEN BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT AS SOON AS POSSIBLE. THE FOLLOWING INFORMATION DOES NOT BELONG TO ME EITHER : NAMES : XXXX XXXX XXXX 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/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 2025-01-28 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I traded in a XXXX XXXX XXXX and signed a retail installment contract for a XXXX XXXX XXXX. After gross trade in allowance, down payment, and a rebate my balance came to {$23000.00} Once additional fees were added the total amount finance was {$27000.00} Today is XX/XX/XXXX and my current payoff balance is {$25000.00}. In four years my balance has not changed very much and I noticed that when I make a payment it goes all toward interest. Also my request for extensions is not putting the current payment on the end of the loan. I recently had an extension on XX/XX/XXXX and XXXX  XXXX is showing that I owe for XXXX months when it should only be for this month which was on XX/XX/XXXX. I am thankful for having transportation but to take advantage of consumers because their credit is less than perfect is ridiculous. I just want this fixed I should not be owing {$25000.00} for a car that I have been paying on for XXXX years especially when my payments are {$630.00}

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 2025-01-28 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes ( XX/XX/year> ) regarding inaccuracies within my credit report. Despite my submissions, Equifax consistently responds within 10 days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I have reported as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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 filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-01-28 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 2025-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
In XX/XX/XXXX, I requested XXXX XXXX XXXX XXXX to refund the unauthorized electronic transfer that they took from my checking account. At that time, they told me that they have written off the debt and it was sold to a debt collection agency. XXXX XXXX XXXX XXXX removed the tradeline that they had on my consumer report. 

Absolute Resolution did not contact me until they appeared on my consumer report in XX/XX/XXXX. They failed to follow the guidelines of the Fair Debt Collection Practices Act. Absolute Resolution has exhibited an abundance of abusive, deceptive, and unfair debt collection practices. 
The FDCPAs purpose is to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices. 
I was never given any written notice, or validation notice and it was not within the five days that is required according to the FDCPA. I never gave Absolute Resolutions consent to this debt collector nor did they receive any express permission of the court of competent jurisdiction. Absolute Resolution has used unfair practices, by communicating false and inaccurate information on my consumer report. 
I have attached the consumer report that shows that Absolute Resolution started reporting on my consumer report on XX/XX/XXXX. 

I have attached the first communication that Absolute Resolution had with me, which is the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
I Have contacted the company several times and was given a balance and proof. They will not report to credit bureau to have removed since last year. I have disputed this and it comes back verified which is not the case so it still remains

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I hereby instructed to cease all collection efforts immediately or face legal sanctions under the Federal Fair Debt Collections Practices Act, 15 U.S.C. Sections 1692c and 1692k, which is incorporated and made applicable to creditors like your company by the XXXX Collection Practices Act, California Civil Code Section 1788.17

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
I requested Experian to properly investigation an account I dont recognize on my report. They got back to me within an hour and they stated the inaccurate information will not change and remain 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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to me.

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 2025-01-28 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: GA

Complaint narrative:
I have contacted Equifax and XXXX numerous times letting them know that almost everything on my credit is fraud and to take it off also the collection items and inquires are all wrong and they wont take them off i did get a letter saying that my information was compromised on and before these data breaches and that i am the victim of identity theft. I want all this stuff removed off my report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, I was made aware that an account was opened with my information sometime last year. I had followed up and opened an identity theft claim with Td bank Recovery department which advised me the investigation would take 90 days. It's been over a year and still nothing seems to have been resolved or updated. XX/XX/XXXX of 2025 I contacted the recovery department which advised em that not update has happened on their end and advise they would contact the fraud department to see why nothing has been updated and i'm still being held responsible for this account and the balance on the account. It seems like when she spoke fraud department they stated that the investigation had already been closed and not sure why I didn't receive a correspondence or a update over the phone in regards to the resolution of this claim. The fraud department and recovery department then advised that the global security department was suppose to communicate the results and that no debt is owed and that the account was labeled as fraud and identity theft but neither. has been done. No results were given to me. I want this updated since I was advised the investigation was closed on my favor this debt balance removed from my information and report. swell as to td banks recovery team. as I've stated its been a year and a couple months since I've been dealing which this issue and nothing seems to be updated other systems after it being resolved with the global security department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: GA

Complaint narrative:
Dear Experian, I hope this message finds you well. I am writing to request verification regarding the manner in which my recent credit dispute was handled. The details of my dispute are as follows : Dispute Reference Number : [ XXXX ] Date Submitted : [ XX/XX/year> ] Item in Question : I would appreciate it if you could provide the following information for my records : Confirmation of the actions taken to investigate the dispute. 
The source or verification used to validate the information in question. 
A summary of the findings and the decision made. 
Any updates or corrections made to my credit report as a result of the dispute? 

As a consumer, I am entitled to transparency in the resolution process under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request a prompt response to ensure clarity on the matter. 
Please feel free to contact me via email at [ your email address ] or by phone at [ your phone number ] if further details or clarification are needed. 
Thank you for your attention to this matter. I look forward to your timely response.

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 2025-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: CA

Complaint narrative:
I had XXXX charges that were unauthorized from the exact same place at the exact same time and only XXXX was denied and another approved. I had lost my card and reported it then next day as lost and stolen once i saw the charges. Cashapp denied XXXX charge for {$270.00} that was a resteraunt/hotel that did not require a pin. A charge was then made immediately after for {$20.00} for parking at the exact same hotel on the exact same day at the exact same time and that one was approved as fraudulent. We have XXXX charges from same place, date, and time, but only XXXX was accepted as fraudulent while other was denied. These were charges from the same place by the same unauthorized person so how can cashapp admit fault for XXXX charge but then not for the other simply because it was a larger charge? This is blatantly not me, by cashapps own admittance. I will have to get legal representation if needs be.

Company response to consumer: Closed with explanation