vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: OH

Complaint narrative:
To whom this may concern I received a copy of my credit report and found the following account to have errors. By the provisions of the fair credit reporting act 15 U.S.C Sec 1681i ( a ) I demand this account be removed from my credit report. I have notified all three credit bureaus about the errors and havent received any changes updates or removal for the errors. XXXX has the following errors reported such as incorrect repossession date and incorrect payment history. Repossession date has been reported as XX/XX/XXXX instead of XX/XX/XXXX. Charge off amount has reported incorrect to all three credit bureaus, also never received paperwork for a 1099c form for the charge off. Experian also violated 15 U.S. Code 1666b, 15 U.S. Code 6802 and 15 U.S.C. 1681a ( 2 ) ( I ). I feel experian has violated my rights for a fair credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV Funding is inaccurately reporting a collection account on my credit reports. The original account ( from XXXX XXXX Bank ) was opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. 

LVNV Funding is improperly re-aging the debt by reporting a new " open date '' tied to when they acquired it in XXXX, making the debt appear newer than it actually is. 

This misrepresentation violates the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX which prohibits re-aging of debt and misleading reporting practices. 

I am requesting that this tradeline be completely deleted from all of my credit reports ( Experian, Equifax, and TransUnion ), not simply corrected. 

I am preserving my rights to seek legal remedies if LVNV Funding does not voluntarily remove this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
Upon reviewing my consumer reports, l discovered some instances of late payments on an account for which I have always maintained timely payments. 
Consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment for the following accounts : XXXX  XXXX - XXXX * * * * XXXX  - XXXX * * * * XXXX - XXXX * * * * XXXX- XXXX * * * * XXXX XXXX - XXXX * * * * XXXX XXXX XXXX * * * * I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that all these payments be promptly reflected as on time, as I have consistently upheld my payment obligations without delay.

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 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
There were no clear billing terms or pricing disclosures presented before the charge. After noticing the unauthorized {$110.00} transaction, I canceled any services and immediately contacted XXXX to request a refund. XXXX refused the refund, claiming their internal policy prohibited it even though the pricing was unclear.I then filed a formal dispute through Cash App and provided evidence that I did not knowingly authorize the {$110.00} charge. Despite this, Cash App denied my dispute without properly investigating the lack of clear consent or disclosure from the merchant. 
I am requesting a full reversal of the unauthorized {$110.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am disputing a late payment reported by Ally Financial on my credit report for my auto loan account ( # XXXX ). My payment due date to avoid Late payment was XX/XX/year>, and I made the full payment of {$920.00} on XX/XX/year>, at XXXX PM via XXXX ( confirmation code : XXXX ). 

Ally received the payment on XX/XX/year>, but still reported it as late because they do not count weekends as business days. However, I paid on time, and the receipt confirms the date of XX/XX/XXXX. Ally told me that if XXXX confirmed the XX/XX/XXXX payment date, they would consider removing the late mark. 

I am attaching the XXXX receipt and a letter from Ally confirming the payment was received on XX/XX/XXXX. This late payment is inaccurately hurting my credit, and I request your assistance in having it corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Subject : Dispute of Charge-Off Entries on My Credit Report To Whom It May Concern I am writing to formally dispute the charge-off reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681, which mandates fairness and accuracy in the reporting of consumer information. The account I am disputing is : XXXX XXXX XXXX, Account Number- XXXX I have reviewed my credit report and found entries pertaining to this account that are not only inaccurate but XXXX also reflect misinterpretations regarding the treatment of canceled debts and income. According to 15 U.S.C. 1681 ( a ) ( 1 ), consumers have the right to accurate information regarding their accounts, and it is my position that the ongoing reporting of this charge-off violates that right.

Furthermore, it is important to highlight that under 26 U.S.C. 108, canceled debt can be considered gross income, but this does not mean that the report on my consumer file should reflect such canceled debts or characterize them as ongoing liabilities. The law explicitly states that when a debt is discharged, it should not continue to impact my creditworthiness negatively. Case law, including exceptions outlined in XXXX XXXX XXXX XXXX XXXX XXXX, 137 S. Ct. 1718 ( 2017 ), illustrates the importance of accurate credit reporting and the necessity of avoiding misleading representations of financial obligations. 

Moreover, it is unlawful for a consumer reporting agency to furnish information about a consumer account that misrepresents the financial situation of the consumer, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Continued reporting of these charge-offs, when the debts have been canceled or settled, does not accurately reflect my financial history or my current obligations. 

For these reasons, I request that you conduct a thorough investigation into the disputed charge-off entry and rectify in accordance with the law. If you determine that the information regarding this charge-offs is inaccurate, please promptly remove them from my credit file. 

I appreciate your attention to this matter and look forward to your prompt response within the legally required timeframe. Should you need any further information to assist in your investigation, please do not hesitate to contact me by email only at XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
Subject : Dispute of Charge-Off Entries on My Credit Report To Whom It May Concern I am writing to formally dispute the charge-off reported on my credit file under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681, which mandates fairness and accuracy in the reporting of consumer information. The account I am disputing is : XXXX XXXX XXXX, Account Number- XXXX I have reviewed my credit report and found entries pertaining to this account that are not only inaccurate but XXXX also reflect misinterpretations regarding the treatment of canceled debts and income. According to 15 U.S.C. 1681 ( a ) ( 1 ), consumers have the right to accurate information regarding their accounts, and it is my position that the ongoing reporting of this charge-off violates that right.

Furthermore, it is important to highlight that under 26 U.S.C. 108, canceled debt can be considered gross income, but this does not mean that the report on my consumer file should reflect such canceled debts or characterize them as ongoing liabilities. The law explicitly states that when a debt is discharged, it should not continue to impact my creditworthiness negatively. Case law, including exceptions outlined in XXXX XXXX XXXX XXXX XXXX XXXX, 137 S. Ct. 1718 ( 2017 ), illustrates the importance of accurate credit reporting and the necessity of avoiding misleading representations of financial obligations. 

Moreover, it is unlawful for a consumer reporting agency to furnish information about a consumer account that misrepresents the financial situation of the consumer, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Continued reporting of these charge-offs, when the debts have been canceled or settled, does not accurately reflect my financial history or my current obligations. 

For these reasons, I request that you conduct a thorough investigation into the disputed charge-off entry and rectify in accordance with the law. If you determine that the information regarding this charge-offs is inaccurate, please promptly remove them from my credit file. 

I appreciate your attention to this matter and look forward to your prompt response within the legally required timeframe. Should you need any further information to assist in your investigation, please do not hesitate to contact me by email only at XXXX. 

Thank you for your cooperation. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-04-29 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MD

Complaint narrative:
The amount in Question is {$1700.00} being charged off and not showing as paid on my credit reports this amount was in fact paid by wage garnishment XX/XX/year>, i have the court document to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. my request to block is made in error : nor is my request being made on the basis of material misrepresentation of fact by me relevant to my request to block the identified transactions are not information related to any transactions by me as the consumer.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-04-29 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

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

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 2025-04-29 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: IL

Complaint narrative:
I recently disputed several hard inquiries with Equifax that were either unauthorized or duplicate pulls. 
These inquiries are still on my credit report, and Equifax has not provided any documentation proving that I gave consent or that there was a permissible purpose under FCRA XXXX XXXX. 

The inquiries include : XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I requested verification and documentation from Equifax, and they did not provide it. 
I respectfully request that these inquiries be removed or that Equifax provide valid proof of consumer authorization as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Subject : Second Urgent Request for Immediate Deletion of Unauthorized Account - XXXX Bank account XXXX - Failure to Comply with Previous Dispute

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 2025-04-29 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: FL

Complaint narrative:
Subject : Second Urgent Request for Immediate Deletion of Unauthorized Account - XXXX Bank account XXXX - Failure to Comply with Previous Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom this may concern, Hi Im a costumer who have been victimized by the ATM several times using my bank card and now my account is being closed for a error thats due to a product of capital one and Im losing out on my hard earned money. On XXXX I was charged XXXX at a atm where no money dispensed from the atm {$0.00} I spoke with a employee and wa told give it time to come back to my account also on XXXX I was charged XXXX from the ATM where {$0.00} came out the workers told me the same thing give it time to come back to my account as did on XXXX I was charged XXXX same results and on XXXX I was charged XXXX and {$0.00} came out. I called my bank which is my capital XXXX checking account the filed a dispute for all charges and about 3 days later I was notified I couldnt use my account to withdraw funds anymore also on XXXX I was given provisional credit for the ATM error that occurred but Im still not able to withdraw them because my account is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-04-29 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:
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 XXXX of the Fair Credit Reporting Act.

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 2025-04-29 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: CA

Complaint narrative:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts 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 explanation