vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally demand that you immediately correct my birthdate on my credit report. I have repeatedly submitted requests, along with official government-issued identification, including my drivers license and Social Security card, yet my birthdate remains incorrect on my Equifax report . 
Under the Fair Credit Reporting Act ( FCRA ) [ XXXX U.S.C. XXXX ], credit reporting agencies are legally required to ensure the accuracy and completeness of consumer information. Your continued failure to correct my identifying information is a direct violation of FCRA XXXX ( b ) and XXXX ( a ), which mandate prompt and accurate corrections to consumer reports upon verification of identity. 
Legal Violations by Equifax : Failure to Correct Inaccurate Personal Information FCRA XXXX ( b ) : My birthdate remains incorrect despite multiple submissions of valid government-issued documentation. Equifax is required by law to maintain accurate consumer records, and your failure to do so is an FCRA violation. Failure to Investigate and Correct Errors in a Timely Manner FCRA XXXX ( a ) : I submitted multiple requests to correct my birthdate, yet no action has been taken. 

FCRA XXXX ( a ) requires that corrections be made within 30 days, and your failure to update my information after repeated requests demonstrates clear non-compliance. 
Negligent and Willful Non-Compliance FCRA XXXX & XXXX : Since Equifax has refused to update my personal information, despite sufficient evidence, I have reason to believe this is a case of willful non-compliance. Under FCRA XXXX and XXXX, you are legally liable for damages, attorney fees, and penalties for failing to comply with federal law. 
Final Demand for Immediate Action I am formally demanding that Equifax immediately correct my birthdate on my credit report and provide written confirmation of this correction within 15 days of receipt of this letter. 
Failure to comply will result in the following actions : I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office regarding Equifaxs failure to comply with FCRA requirements. I will seek legal action against Equifax for willful non-compliance and damages under FCRA XXXX. 
This letter serves as final notice. If my birthdate is not corrected within 15 days, I will have no choice but to escalate this matter with regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX, I attempted to go into my XXXX XXXX XXXX and use the " Send Money with Zelle '' button. I have used this frequently for the years I have been banking here. However, today it told me it " had trouble accessing my Zelle profile '' and to call them now. 

I called the number, and the customer service member with XXXX said that my account was restricted, and it could not be lifted. I asked why was it restricted, and he told me it was due to a " fraudulent or scam transaction. '' As I am sure I am not a scammer and have not committed any fraudulent transactions, I wanted to know how to appeal, or get it removed, however he notified me that it's not possible and there is " no one who is capable of lifting it. '' I believe this is unfair, as I was not given an evidence, I was not notified, and I was not given any way to appeal. A formal appeal process is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app couldn't provide me with a live customer service agent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX U.S. CXXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the balance on my XXXX XXXX account, as I believe the current balance does not accurately reflect my loan history. After reviewing my account statements, I have identified a discrepancy that I believe requires correction. Per the XXXX website it says as of XXXX XXXX I have a balance of {$250.00} as of XXXX XXXX, but Experian is reporting that I owe {$1400.00}.

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

Complaint narrative:
XXXX was my original student loan servicer. 

Aid advantage and XXXX XXXX have replaced XXXX on my credit report. 

Aid Advantage consolidated my loan in XXXX 

XXXX XXXX is my new loan servicer. 

XXXX used unethical practices to harm student loan borrowers. 

I would like to see those closed inaccurate accounts deleted from all three major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC XXXX, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Recently I looked at my credit report and noticed several innaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bereaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

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

Complaint narrative:
I asked Experian to correct the below wrong information on my credit report & send me a corrected report but they haven't : ( *None of the below 3 accounts have ever been 30 or 60 days late .... 
1. Account name : XXXX XXXXXXXX 1. Account number : XXXX .... 

2. Account name : XXXX XXXX 2 . Account number : XXXX .... 

3. Account name : XXXX XXXX XXXX 3. Account number : XXXX .... 
*None of the above 3 accounts have ever been 30 or 60 days late ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My Name is XXXX XXXX my social security number is XXXX and my date of birth is XX/XX/XXXX. 
This CFPB complaint has been led to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX with a balance of {$630.00}. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections, as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
Jefferson Capital Systems is attempting to collect a debt for XXXX XXXX medical credit card. The company has made numerous payment agreements which included an auto-draft payment directly from my account. This payment was not drafted on several occasions resulting in late fees, along the with cancelation of the payment agreement. There was another agreement beginning on XXXX stating the debt would be reduced from {$2500.00} to {$1200.00} which was to be paid over 6 monthly payments. The first payment was made on the date of the agreement. The company requested my debit card information to be spoken aloud over the phone. This information was requested several times to authorize multiple payments although only one payment was due. On XX/XX/XXXX Jefferson Capital Systems was contacted in order to make this months payment. When the representative answered the call and established my account he informed me that the payment agreement that we had previously made had " expired ''. I informed the representative that I had not been informed of any " expiration '' dates for the agreement. I requested the information be provided that detailed and terms and conditions of the agreement to which I discovered there is no available information. The representative would no longer honor the agreement and requested that the payment be made in full, or in two payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX In that the actual APR was overstated by 10.109 %. 
The stated APR equals 27.872 %, finance charge {$35000.00}, amount financed {$33000.00}. Finance for 72 months. 

Finance Charge = amount financed x loan-term ( years ) x XXXX = {$33000.00} x XXXX x XXXX = {$33000.00} x XXXX x XXXX = {$55000.00} CORRECT FINANCE CHARGE PER APR IN CONTRACT APR = Finance Charge Amount Financed x Loan Term ( years ) x XXXX = {$35000.00} / {$33000.00} x ( XXXX ) XXXX = {$35000.00} / {$190000.00} x XXXX = XXXX = XXXX XXXX Correct APR VIA CONTRACT XXXX - XXXXXXXX XXXX XXXX XXXX OVERSTATED APR by XXXX XXXX Finance Charge Difference = {$55000.00} - {$35000.00} = {$20000.00} UNDERSTATED FIN CHRG by {$20000.00} Finance Charge using correct XXXX = {$33000.00} XXXX XXXX XXXX XXXX XXXX / XXXX = {$33000.00} XXXX XXXX XXXX XXXX = {$35000.00} ( {$35000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX XXXX and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the inaccurate late payments reported by Experian on my XXXX XXXX XXXXXXXX account ( XXXX ). As a credit reporting agency, Experian is legally required under the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) to ensure maximum possible accuracy in consumer reports. However, my account is being incorrectly reported with a payment status of " Current, was past due XXXX XXXX XXXX times, '' while other credit bureaus correctly reflect it as " Paid or paying as agreed. '' This inconsistency clearly indicates that the information on my credit file is inaccurate and must be corrected immediately. Additionally, under 15 USC 1681b ( a ), a consumer report can only be furnished for permissible purposes, and disseminating incorrect and damaging information does not serve a legitimate purpose under this section. The late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and must be REMOVED from my credit file. I am formally requesting that Experian remove these inaccurate late payments and update my payment status to match the correct reporting reflected by other bureaus, ensuring consistency and compliance with federal law. I expect written confirmation that these corrections have been made and an updated copy of my credit report reflecting the changes. If this matter is not resolved within XXXX days, I am prepared to take further action, including holding Experian liable under 15 USC 1681n for willful noncompliance and 15 USC 1681o for negligent noncompliance, as well as exploring all available legal remedies to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation