vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$15000.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: EQUIFAX, INC.
State: TX

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.

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/scrub> 2024 mailed a letter tracker : XXXX. And On XXXX 29,2024 mailed a letter tracker : XXXX demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. Over 2 months and one month ago with no response or deletion from credit history and its hurting my availability to obtain credit. I kindly ask to DELETE. Please Help, 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 2025-02-14 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: MI

Complaint narrative:
XX/XX/XXXX, I submitted XXXX disputes through Experian to XXXX different companies ( XXXX XXXX XXXX  ), ( XXXX XXXX ), ( XXXX ). These accounts have been written off, I never received a tax form for either companies and they still have not remove nor deleted these accounts. The investigation did not take 30 days. Ive been trying for years to get XXXX XXXX XXXX and XXXX XXXX off of my credit report through all 3 credit agencies due to accounts being written off on taxes but are still having an amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MI

Complaint narrative:
XX/XX/XXXX, I submitted XXXX disputes through Experian to XXXX different companies ( XXXX XXXX XXXX  ), ( XXXX XXXX ), ( XXXX ). These accounts have been written off, I never received a tax form for either companies and they still have not remove nor deleted these accounts. The investigation did not take 30 days. Ive been trying for years to get XXXX XXXX XXXX and XXXX XXXX off of my credit report through all 3 credit agencies due to accounts being written off on taxes but are still having an amount owed.

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 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
i was in the XXXX XXXX XXXX XXXXXXXX XXXX i was given many tests and several medications i am not doing well i can not handle the stress from this bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-14 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: NY

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 2025-02-14 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: IL

Complaint narrative:
I reviewed my consumer credit report after your re-investigation and notice that the XXXX XXXX XXXX  account remains inaccurate. This has had a negative impact or my credit history for years, which is hurting my ability to obtain credit. The following account has been re-aged by repeatedly reporting as charged of for several months in a row : XXXX XXXX XXXX  This is deceptive and misleading. This account is inaccurate based on the payment history. This violates the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5A. I request that, based on these findings, that these accounts be promptly and permanently removed from my consumer credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX has violated my rights. I looked at my Transunion credit report on XX/XX/year>2025, and noticed some things are incomplete and not accurate. And 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 ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 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 2025-02-14 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: OH

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.

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce 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 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
My account with XXXX went into collections I believe in XXXX or XXXX and was purchased by a collection company that is reporting incorrect dates of activity on the account as well as incorrect balances to keep the account on my credit report for longer than the legal limit. This is unfair credit practices and should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: FL

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Chime Financial Inc
State: MA

Complaint narrative:
XXXX XXXX Chime/XXXX XXXX Dispute Department [ Bank Address ] Formal Dispute of Account Closure and Reporting To Whom It May Concern, I am writing to formally dispute the handling and reporting of my Chime Secured Credit Card account. My account was closed due to Chime closing my debit account, which resulted in my loss of access to the secured credit card. This closure was beyond my control, and I have been unfairly penalized for it. 

I previously submitted a dispute regarding this issue, and within less than an hour, the investigation was marked as complete. This is a blatant failure to conduct a proper review. I demand a legitimate and thorough investigation into this matter. 

Your continued reporting of this account as closed due to my actions is incorrect and misleading. This level of incompetence is financially damaging, and I will not tolerate any institution unlawfully affecting my livelihood. If this issue is not resolved immediately, I will pursue federal legal action against Chime, XXXX XXXX, and any affiliated parties responsible for this unjustified harm. 

I demand that you correct this issue by either : Restoring access to my Chime Secured Credit Card, OR Removing all negative reporting related to this account. 
Failure to act will result in legal proceedings where I will hold all responsible parties accountable for financial harm and emotional distress. 

I expect a prompt written response confirming the resolution of this matter. If this dispute is ignored or dismissed without fair review, you will face legal consequences. 


How can an account be reporting no missed payments on an acct I have no access to I will hold you accountable. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: OH

Complaint narrative:
Subject : Non-Compliance Complaint Against Equifax Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding Equifaxs failure to comply with its obligations following its data breach. Despite providing the necessary documentationincluding my identification, confirmation as a victim of the Equifax data breach, and details of the adverse information resulting from the breachEquifax has not taken the required corrective action. 

Instead of blocking or removing the fraudulent accounts associated with the breach, Equifax merely updated the accounts in question. This response does not align with the protections afforded to identity theft victims, nor does it meet the standard of corrective action Equifax should take given its responsibility for the breach.

Equifaxs inaction continues to negatively impact my credit profile, and I am requesting the CFPB to intervene to ensure compliance with applicable regulations. Equifax must properly address the issue by blocking or removing the accounts that were a direct result of the data breach. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My XXXX XXXX XXXX had broken down and needed to be fixed. I had to rent a car for a while and I wasnt able to come up with the money to fix it so the mechanic put a lien on the car. Westlake financial says I owe them XXXX from XX/XX/XXXX to present. The actions by Westlake financial is they close the account now I have a negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
So The 1st National Bank Of Omaha, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number XXXX, Wrote Off My Debt With Them of {$5600.00}! They Wrote It Off To The I.R.S As A PROFIT LOSS! Now 1st National Bank Of Omaha Is Taking Me to Court In XXXX XXXX Maryland For The Amount Of {$5600.00}! So If The 1st National Bank Of Omaha WROTE off The debt As a Profit Loss To the I.R.S, Then They Can't Come After Me In Court! They Need To Provide Me With A 1099-C, So I Can Declare The {$5600.00} As INCOME! Can You Please Help Me, The FNB of Omaha Will not Help!

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 2025-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
It began with my XXXX account. Funds were being sent to someone else. Then funds were being charged to my checking account in another country. They issued me 4 more debit cards none of which would activate because someone else was using them before I received them. I called over and over and spent HOURS on the phone with them asking them to stop the transactions but they didn't. Chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a partial payment for materials and labor for remodeling work at my building which located in XXXX IL. I live in XXXX  and the job was supposed to be done in XXXX IL. The XXXX told me that he is doing the work and sent me fake photos of material and the job location. The imposter XXXX did not do any of the work. The job was never started and the XXXX took my money and left. I put my savings to fix this property and this person took advantage of me. The transaction has been made on XX/XX/year>, and I have disputed it with the bank in the amount of {$950.00}. The bank never investigate my dispute and rejected it after a few days.

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 2025-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosenberg & Associates Recovery Services
State: OK

Complaint narrative:
This junk debt buyer is trying to collect an old junk debt from 2006. It is several years past the statue of limitations and they are in violation of the FDCPA.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-14 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: IL

Complaint narrative:
XXXX. XXXX XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not properly reporting my account as " in dispute '' to the credit bureaus for several months. According to 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers of credit information, such as XXXX XXXX, are required to notify credit bureaus when an account is disputed by the consumer. By failing to do so, XXXX XXXX has misrepresented my credit history, causing undue harm to my credit standing. ( i have the date of a representative admitting on a recorded line, they never reported the account in dispute ) 2. Experian has neglected its duty under 15 U.S.C. 1681i ( a ) to conduct a reasonable investigation upon my dispute. The lack of proper investigation has resulted in negative, inaccurate information remaining on my credit report for years, which has directly harmed my financial well-being. A proper reinvestigation should have resulted in the removal of the disputed accounts if they could not be verified. As per federal case law, when a credit bureau fails to verify disputed items properly, those items must be deleted from the consumers file. Per the lawsuit against Experian, these items have to be removed. All closed accounts need to be removed asap. 

3. XXXX XXXX and Experians Failure to Remove Inaccurate Late Payments TransUnion and Equifax properly removed the XXXX XXXX account after conducting a reinvestigation ; however, Experian failed to do so, leaving the negative information on my credit report. Because no legitimate investigation was conducted regarding the late payments associated with XXXX XXXX, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), all late payments should be deleted as they can not be verified. Experians failure to comply with this requirement has resulted in unlawful damage to my credit for years.

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 2025-02-14 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: TX

Complaint narrative:
I am formally disputing the inaccurate and unverified negative and collection accounts being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following accounts as they are incorrect, invalid, and harming my creditworthiness. Furthermore, these accounts include non-public information that I never authorized to be shared, and the inconsistency in reporting across the three credit bureaus raises serious concerns about their accuracy and legitimacy.

Company response to consumer: Closed with explanation