vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
" According to FCRA Section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. Thank you '' Settled with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am not liable for this debt and i recently review a copy of my credit report and notice a fraudulent account on my report, I do not have a contract with XXXX XXXX XXXX XXXX XXXX  XXXX they did not provide me with the original contract as i requested. 

Correction to my credit report, I demand this account be removed from credit report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX Transaction amounts : {$1200.00} Action : this is XXXX XXXX XXXX XXXXansaction. 
I already have XXXXXXXX XXXX payment on the same day, and the transaction amount is XXXX. And I also check the hotel only one payment and only one reservation, so I don't why I received this fraud transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: NV

Complaint narrative:
I am filing this formal complaint regarding XXXX XXXX and the credit bureaus ( Experian, TransUnion, Equifax ) for incorrect and delayed updating of my credit information. My XXXX XXXX account # XXXX had an outstanding balance of {$15000.00}. On XX/XX/year>, I made a substantial payment of {$15000.00}, which reduced my balance to {$900.00}. This payment and current balance are correctly reflected on my latest XXXX XXXX statement. However, XXXX has failed to update this information accurately across all major credit bureaus despite numerous calls and repeated assurances from XXXXXX/XX/XXXX customer service representatives. 

This delay violates multiple sections of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. XXXX, which mandates creditors to promptly update accurate information to credit reporting agencies. Additionally, XXXX and the bureaus ' failure violates 15 U.S.C.XX/XX/XXXXe ( b ), which requires credit bureaus to maintain accurate consumer credit information. Further violations include Regulation XXXX ( XX/XX/XXXX Part 10XXXX ), emphasizing the timely reporting of accurate credit information. 

The incorrect reporting significantly damages my creditworthiness and is currently jeopardizing my ability to secure financing for a pending home purchase. This constitutes a violation of consumer rights and protections established under the XXXX XXXX XXXXXX/XX/XXXX and Consumer Protection Act, specifically related to unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I urgently request CFPB enforcement action to compel XXXX XXXX, Experian, TransUnion, and Equifax to immediately correct and update my credit reports to reflect the accurate balance of {$900.00}. Prompt corrective action is critical, as delays pose severe financial harm and risk the loss of my intended home purchase. 

Desired Resolution : Immediate enforcement and correction of the inaccurate information across Experian, TransUnion, and Equifax credit reports to reflect the correct outstanding balance of {$900.00}. Prompt resolution and confirmation are requested to mitigate further financial damage and secure my ongoing home purchase transaction. 

Thank you for your immediate assistance. 

Respectfully,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: NV

Complaint narrative:
I am filing this formal complaint regarding XXXX XXXX and the credit bureaus ( Experian, TransUnion, Equifax ) for incorrect and delayed updating of my credit information. My XXXX XXXX account # XXXX had an outstanding balance of {$15000.00}. On XX/XX/year>, I made a substantial payment of {$15000.00}, which reduced my balance to {$900.00}. This payment and current balance are correctly reflected on my latest XXXX XXXX statement. However, XXXX has failed to update this information accurately across all major credit bureaus despite numerous calls and repeated assurances from XXXXXX/XX/XXXX customer service representatives. 

This delay violates multiple sections of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. XXXX, which mandates creditors to promptly update accurate information to credit reporting agencies. Additionally, XXXX and the bureaus ' failure violates 15 U.S.C.XX/XX/XXXXe ( b ), which requires credit bureaus to maintain accurate consumer credit information. Further violations include Regulation XXXX ( XX/XX/XXXX Part 10XXXX ), emphasizing the timely reporting of accurate credit information. 

The incorrect reporting significantly damages my creditworthiness and is currently jeopardizing my ability to secure financing for a pending home purchase. This constitutes a violation of consumer rights and protections established under the XXXX XXXX XXXXXX/XX/XXXX and Consumer Protection Act, specifically related to unfair, deceptive, or abusive acts or practices ( UDAAP ). 

I urgently request CFPB enforcement action to compel XXXX XXXX, Experian, TransUnion, and Equifax to immediately correct and update my credit reports to reflect the accurate balance of {$900.00}. Prompt corrective action is critical, as delays pose severe financial harm and risk the loss of my intended home purchase. 

Desired Resolution : Immediate enforcement and correction of the inaccurate information across Experian, TransUnion, and Equifax credit reports to reflect the correct outstanding balance of {$900.00}. Prompt resolution and confirmation are requested to mitigate further financial damage and secure my ongoing home purchase transaction. 

Thank you for your immediate assistance. 

Respectfully,

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 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I have been trying for several months to access the funds that are trapped on my old Cash App account, to no avail. These funds came from my employer, as direct deposits. Several representatives explained that I needed to verify the account ; however, the instructions that they gave me sent me into an eternal loop. They have yet to send me my money, even though I have sent my driver 's license and verified all my personal information. They keep stating that the system is not recognizing the information that I have given. This is causing undue financial issues for me, as my paychecks were sent to this account. My complaint is in no way connected and/or related to the recent Consent Order between Cash App and the Consumer Financial Protection Bureau XXXX Instead, my complaint is that Cash App stole my direct deposits that were placed in the account by my employer. Those funds were owed to me for work that I completed. A settlement amount will not suffice -- the full amount is legally owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-20 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: NV

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no XXXX  party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-03-20 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: NV

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential XXXX  or XXXX  XXXX without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX XXXX. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against [ Creditor Name ] regarding an account I have with them, [ Account Number/Reference Number ]. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove Here are the details of my complaint : Creditor Name : PRO COLLECT Account Number/Reference Number : XXXX Date the Account Was Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with [ 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-20 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: NV

Complaint narrative:
Some one open an account with out my permission XXXX XXXX XXXX, and numerous inquiries XXXX, XXXXXXXX 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 2025-03-20 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: NV

Complaint narrative:
Some one open an account with out my permission XXXX XXXX XXXX, and numerous inquiries XXXX, XXXXXXXX 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CO

Complaint narrative:
My Direct Consolidated Unsubsidized loan for the amount of XXXX that is serviced by MOHELA was forgiven on XXXX XXXX. At that time the account was closed and removed from all credit bureaus. It came to my attention that this loan has been reopened and back on my credit report. This has dropped my credit score by XXXX XXXX. I am not able to access my old account on the MOHELA website. Contacted MOHELA and they confirmed that my loan does have a XXXXXXXX XXXX and is closed. It also shows a XXXXXXXX XXXX on studentaid.gov website. MOHELA did not offer to do anything to help have this removed or updated on my credit reports. I have filled disputes with XXXXXXXX XXXX XXXX and are still awaiting results. XXXX still shows that this account is closed and XXXX XXXX. MOHELA is falsely reporting this account as open and with a balance of XXXXXXXX XXXX  which is inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I sent information to all 3 credit bureaus in regard to a removing a a report from my account for a timeshare that was sold back to XXXX in 2010. The company still chaged for fees which amounted to XXXX XXXX. Now the company has the account as charged off on my credit report and it should be removed from my account.

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