vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$340.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I am writing to formally dispute incorrect information on my credit report. Upon reviewing my report, I noticed several discrepancies that do not accurately reflect my financial history. These errors are negatively impacting my credit standing, and I need them corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Im writing this to formally express my concerns regarding cash app handling of disputes, particularly in light of the recent CFPB lawsuits, highlighting significant issues with the platform. Despite using cashapp numerous times, and reporting discrepancies, my financial institution and cashapp fail to investigate my claim adequately. They informed me that recovering lost found was impossible and that tracking these transactions was infeasible. The CFPB finding that cashapp has not only neglected to to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raised concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: PA

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 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 2025-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: OH

Complaint narrative:
When I contacted the company they advised that they did both have the debt and told me I had to contact another company which is not the company showing in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: PA

Complaint narrative:
I have no knowledge of a debt this company has been reporting to the bureaus for 2 months with no information from them whatsoever. I only was made aware by my credit tanking. 
I have called, emailed, and disputed with XXXX but they do not respond and continue to report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
The loan from XXXX XXXX is showing open and it should be closed. The account was closed in XXXXXXXX XXXX XXXX I have tried to get this information updated the company has yet to report the correct information.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I have sent over {$500.00} worth of payments to this company that they have only applied {$100.00} worth of it. The company continues to report my account late 90 days despite receiving payments in their XXXX XXXX which they forced upon me as they fraudulently closed my account without consent transferring me to the early XXXX where you send payments via the mail hoping the company would apply them on time. Prosper isnt one of those companies. I have had debt lawyers contact them to settle this debt since they cant act in a professional manner of posting payment on time when they receive them. I attempted to get this debt transferred elsewhere to a reputable company that isnt in the business of ruining ones credit. Their response is always filled with lies, they dont send paper statements or online. I have to literally guess the payment amount. This company is truly an utter disgrace.

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 2025-02-07 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: MS

Complaint narrative:
15 U.S. Code 1666i-1 ( a ) Opt-In Requirement for Over-Limit Fees A credit card issuer can not impose an over-limit fee unless the cardholder has expressly opted in to allow transactions that exceed their credit limit.

The opt-in must be a separate agreement, and cardholders must be given clear disclosures of the terms.

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 2025-02-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-02-07 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-02-07 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: Premium Credit Bureau
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done.

These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
There are four hard inquires on my equifax credit report that I did not authorize nor do I recognize. Ive reached out to the companies but unfortunately couldnt get anywhere. 
XXXX XXXX automotive is a car shop they dont pull credit. I got this information when I called the number attached to my inquiry. 
XXXX and XXXX XXXX  are unauthorized, XXXX doesnt have real contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XX/XX/year> ED FINANCIAL Dear ed financial XXXX hope this letter finds you well. I am writing to inquire about the impact of student loan forgiveness on my credit score and overall credit history. As you may know, there has been significant discussion regarding federal student loan forgiveness programs, particularly in light of recent government initiatives to provide relief to borrowers. 

Having been a responsible borrower in the past, I am now working towards understanding how my eligibility for loan forgiveness would affect my credit standing. Specifically, I would like to clarify the following : Impact on Credit Report : Will the forgiveness of my federal student loans be reflected in my credit report, and will any of the debt be marked as " paid in full '' or " settled ''?

Credit Score : Can you provide insight into whether my credit score will be positively or negatively affected upon the forgiveness of my student loans, particularly if the forgiven amount is substantial?

Post-Forgiveness Status : After my loans are forgiven, will my account be marked as closed or as " paid off '' on my credit history? Will this affect my creditworthiness in the future when applying for new lines of credit, mortgages, or other loans? 

Next Steps : If I qualify for loan forgiveness, is there any action I need to take on my end to ensure that it is accurately reported to the credit bureaus? 

I appreciate your time and assistance in helping me understand how student loan forgiveness will influence my credit. I look forward to your response and any advice you can provide on managing my credit during this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : FXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have XXXX credit cards reporting back on my credit profile. I dispute this years ago and it was removed I have tried to dispute again because it re appeared. My rights were violated. Its against the law for a credit agency to reappear old information back on my credit report that was previously disputed & removed/deleted! This is called reinsertion according to the FCRA! They have not properly investigated. Nor was I sent anything about reinserting it they just did it Please delete this!

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 2025-02-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Violation of FCRA To Whom It May Concern, I am formally disputing an inaccurate and unlawful credit reporting entry that remains on my credit report despite legal action and a settlement agreement. According to the attached notice dated XX/XX/2019, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my outstanding balance with the institution was fully discharged due to a legal settlement with the state attorneys general, including Floridas Attorney General. The balance owed was reduced to {$0.00}, and XXXX XXXX XXXX committed to notifying all credit reporting agencies, including Equifax, to remove any related negative reporting. 
Despite this, my credit report still reflects an outstanding balance associated with this account, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Furthermore, the Department of Educationcontinues to report this debt, which should have been removed per the provided settlement terms.

Requested Action : 1. Immediately remove this erroneous account and any associated derogatory remarks from my credit report.

2. Investigate and confirm compliance with the settlement terms outlined by XXXX XXXX XXXX. 
XXXX. Provide written confirmation of the accounts deletion within 30 days of receiving this dispute, as required under XXXX XXXX. XXXX of the FCRA. 
Failure to remove this inaccurate information and provide confirmation within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and state regulatory agencies. 
Please find a copy of the notice from XXXX XXXX XXXX enclosed, along with a copy of my identification for verification purposes. 
I expect a prompt resolution of this matter. If you require additional information, you may contact me at the address or phone number listed above. 
Sincerely, XXXX XXXX XXXX : XXXX. Notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( dated XX/XX/2019 ) XXXX. Copy of government-issued ID 3. Copy of credit report highlighting the disputed entry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
One Wednesday XX/XX/XXXX XXXX I went to the bank to retrieve some funds from the ATM but it didnt allow me so I went into the branch to get some help with my transaction. Then I was notified that my account was blocked. After I was told to call customer service and when I did, they told me my account was blocked and was going to be closed when I asked why I got no answer as to why but to wait 30 to 60 days. When I asked if I was able to retrieve my funds, they told me I could go to the branch and do it but when I try to, they told me there was a note on my account not letting them release my funds to me when I called again the customer service And spoke to a manager. They wouldnt update the note and kept saying that it was up to the bank and they couldnt do nothing else.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
I am writing to dispute a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This is a serious matter, and I demand that this fraudulent inquiry be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on 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 2025-02-07 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligations under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report

Company response to consumer: Closed with explanation