vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-05 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 : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made on time as confirmed by the bank statement attached.

There seems to have been a clerical error in reporting the payment.

Additionally, there is no record of any outstanding balance or missed payment based on my financial documentation.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: Early Warning Services, LLC
State: OH

Complaint narrative:
I am filing this CFPB complaint to formally dispute the negative accounts listed on my consumer report. I request that you reinvestigate these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing the following provisions : Accuracy and Fairness of Credit Reporting ( 15 USC 1681e ) Reasonable Procedures ( 15 USC 1681e ( b ) ). It is essential that all information reported about me is accurate and fair, and I believe that the current negative entries do not meet these standards. As per the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. I urge you to take immediate action to review the information related to my accounts.

In addition to the reinvestigation, I kindly request the following : Furnish a copy of your updated report.

A detailed copy of your reinvestigation procedure regarding my dispute.

All documentation pertaining to the negative accounts currently reported on my credit file. If any documentation can not be provided, I ask that the negative accounts be deleted as mandated by the statutes. 

Here are the details of the negative accounts I am disputing : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year> and on XX/XX/year> was Cash App card was charged, in association with a company called XXXX XXXX XXXX. My phone was broken at the time. So, when I replaced my phone, on XX/XX/year> I noticed the charges. So I contacted Cash App, to inquire about the charges. So I filed a dispute accordingly. After a short investigation, my dispute was denied of aking for a refund. I didn't know what to do. So I decided to file with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 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: BlueChip Financial
State: OH

Complaint narrative:
I got a letter from XXXX  dated XX/XX/year> regarding 4 loans I have never taken out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I sent a wire transfer for a purchase from an online sale in the amount of {$1200.00} on XX/XX/year>. The seller ended up being a scammer. I contacted my bank to reverse the wire. My bank has been very responsive, sending more than a half dozen inquiries to the sellers bank, PNC, who has not returned a single call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
RESIDENT VERIFY - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX  - XX/XX/XXXX The following inquiry was not authorized and should not be reporting

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 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
RESIDENT VERIFY - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting

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 2024-10-05 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. Applied Bank : # 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, has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: KS

Complaint narrative:
A Purchase showed up on my US BANK credit card in the early morning hours of XX/XX/year> in the amount of {$64.00} from XXXX. I contacted US BANK credit card fraud department on XX/XX/year> to let them know I did not make this purchase and started a claim. I requested the account to be closed immediately and send me a new card. US BANK would not close the card till I paid off the {$64.00} and when I did would close the account on XX/XX/year>. US BANK requested more information and always said they were looking into it. I never had a new card sent due to the unresolved matter with the last credit card. I think once I closed the account and US BANK was paid they no longer looked into the matter. I contacted US BANK multiple times and they would say the claim was reopened and someone would contact me in XXXX hours. XXXX BANK also said to contact XXXX and have them reverse the charges. I did try to contact XXXX and you never can speak to a live person on chat and they would not reverse the charge. I did not make this purchase or receive anything from the purchase but did pay {$64.00} for nothing. US BANK was contacted again on XX/XX/year> and the claim is still under review and someone will get back with 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 monetary relief
Consumer complaint received 2024-10-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: MN

Complaint narrative:
The following accounts, collection accounts and credit inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and the result of identity theft : XXXXXXXX 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 explanation
Consumer complaint received 2024-10-05 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: MN

Complaint narrative:
The following accounts, collection accounts and credit inquiries currently listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent and the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am disputing a charge-off that is being reported by Spring Oaks Capital LLC on my credit report. This account was originally opened with XXXX XXXX XXXX on XX/XX/year>XXXX  and was later sold to Spring Oaks Capital LLC. The account is listed as closed, with a {$670.00} charge-off, but the balance is also reported as {$0.00}, which is inconsistent and inaccurate. 

I have not been provided any validation of the debt, including a copy of the original contract or proof of assignment, despite my request. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, Spring Oaks Capital LLC is required to validate the debt, but they have failed to provide this information.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, they are required to report accurate information. The inconsistent reporting of this charge-off is damaging my credit score, and I am requesting that it be removed immediately.

I am attaching a formal dispute letter that I have already prepared, which includes additional legal citations and further details.

Please investigate this matter and ensure that Spring Oaks Capital LLC either verifies the debt in full compliance with the law or removes the inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in XXXX  Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as XXXX, XXXX and Equifax. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. Thank you..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-05 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: MI

Complaint narrative:
On the day of XX/XX/year> at around XXXX XXXX  I had been shopping in the XXXX XXXX XXXX XXXX in Wyoming Michigan when I left my wallet in the parking lot. I contacted XXXX XXXX Police Department and my wallet was retrieved with my personal belongings missing such as my drivers license and my social security card. Currently within the pass few months i have noticed some unauthorized inquiries hitting my credit reports consumer reports such as XXXX, Experian and XXXX. My credit score has dropped traumatically. Please take in consideration that I am a victim of identity theft and help protect and secure my personal information. 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 2024-10-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, Experian credit reporting agency , delete the listed below information appearing on my consumer credit report that is the result of identity theft and fraud immediately from the time of receiving this complaint. These fraudulent, inaccurate, and false information consists of the following inquiries listed below. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These several fraudulent hard inquiries appearing on my consumer XXXX credit report resulting in hardship due to the inaccurate information reporting on my credit file. I do not recognize any of these hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX  complaint ( uploaded ), Police Report ( XXXX ) FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer hard inquiries are the result of identity theft and fraud. Also, I included proof of my identity, address and social security number for verification purposes.

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 2024-10-05 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: WA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting.

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 2024-10-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> - The following inquiries were not authorized and should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/year> account is adjusted to a negative zero against 100 percent available credit file of equal credit act open account. I was never given an adverse action letter for the negative zero adjustment to equal credit act open account. I'm an official American standard unit of measure person and there's a latin accountant adjusting account to equal latin milli- person negative zero contribution to US while I am an Inch person positive contribution registered unit of measure with and for US 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