vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Sent me a denial letter with information not on my credit such as serious delinquency and derogatory public record. I have no late payments. I have almost an XXXX score and I have more money in my savings than I requested in loan. I have no public records. I have perfect credit and payments. I am concerned their XXXX data will be incorrect as I was denied for reasons that are untrue and my credit report will show you this information.I dont know if I should speak to an attorney or just stop doing business with them. This is unbelievable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
A " XXXX '' account opened by " XXXX XXXX XXXX  '' on XX/XX/XXXX with total fraud charges of {$3800.00}. PLEASE BE AWARE : Date Discovered XX/XX/XXXX and Date fraud began XX/XX/XXXX have been switched on my identity theft 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 2025-02-03 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:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This account is not mine and I reported to the identify theft org and I want this account removed from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
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 explanation
Consumer complaint received 2025-02-03 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 explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: MO

Complaint narrative:
I am filing this complaint regarding an account reported on my credit report that appears to be inaccurately and inconsistently reported by [ creditor name ] to the credit bureaus ( TransUnion, Experian, and Equifax ). 

Here are the details of the account in question : Account Number : XXXX Account Type : Credit Card ( XXXX  ) Date Opened : [ XX/XX/year> or XX/XX/year> depending on discrepancies ] Balance : {$3700.00} Credit Limit : {$2500.00} The following potential violations of the Fair Credit Reporting Act ( FCRA ) were observed 1. Inconsistent Reporting of Account Status : The account is listed as " Closed '' on one bureau and " Open '' on others. This inconsistency violates the FCRAs requirement for data accuracy and uniformity across credit bureaus.

2. Balance Exceeds Credit Limit : The reported balance of {$3700.00} exceeds the stated credit limit of {$2500.00}. If accurate, this may indicate either mismanagement by the creditor or failure to update the data. If inaccurate, it is a reporting violation under the FCRA 3. Account Terms Not Clearly Defined : The account lists " 0 Months '' as terms, which conflicts with the ongoing monthly payment requirement of {$94.00}. This creates confusion and implies incomplete reporting.

4. Violation of Reporting Timeliness : There are discrepancies in the " Date Opened '' field across the bureaus, with XXXX XXXX XX/XX/year> and Experian and XXXX XXXX XX/XX/year>. Consistency and accuracy are mandated by the XXXX XXXX XXXX guidelines.

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 2025-02-03 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: MO

Complaint narrative:
I am filing this complaint regarding an account reported on my credit report that appears to be inaccurately and inconsistently reported by [ creditor name ] to the credit bureaus ( TransUnion, Experian, and Equifax ). 

Here are the details of the account in question : Account Number : XXXX Account Type : Credit Card ( XXXX  ) Date Opened : [ XX/XX/year> or XX/XX/year> depending on discrepancies ] Balance : {$3700.00} Credit Limit : {$2500.00} The following potential violations of the Fair Credit Reporting Act ( FCRA ) were observed 1. Inconsistent Reporting of Account Status : The account is listed as " Closed '' on one bureau and " Open '' on others. This inconsistency violates the FCRAs requirement for data accuracy and uniformity across credit bureaus.

2. Balance Exceeds Credit Limit : The reported balance of {$3700.00} exceeds the stated credit limit of {$2500.00}. If accurate, this may indicate either mismanagement by the creditor or failure to update the data. If inaccurate, it is a reporting violation under the FCRA 3. Account Terms Not Clearly Defined : The account lists " 0 Months '' as terms, which conflicts with the ongoing monthly payment requirement of {$94.00}. This creates confusion and implies incomplete reporting.

4. Violation of Reporting Timeliness : There are discrepancies in the " Date Opened '' field across the bureaus, with XXXX XXXX XX/XX/year> and Experian and XXXX XXXX XX/XX/year>. Consistency and accuracy are mandated by the XXXX XXXX XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: PA

Complaint narrative:
I retained level one law in XXXXXXXX XXXX XXXX I had acquired XXXX dollars in credit card debt. I however was making my payments on time. My credit score was XXXX. 
The payments created hardships even though they were on time. With prices rising i was on a sinking ship. Level one law advised me to stop making payments and agree to make payments to level one law. 
I agreed to pay XXXX per month. 
My calculations say XXXX in total. 
They took out fees and retainers. They settled one of my accounts. 2 % of my debt. 
My credit score went down over XXXX points. 
I was to have legal representation in case of lawsuit. I sent them the summons and hearing date and Noone responded. I now have 2 judgements against me. I called and the agent on the phone told me that they quit doing negotiations for me. That I am on my own or get another debt relief company. I closed my global holdings account and recieved XXXX. 
They still would be taking money out if I did not close the account even though they will not work for me. I don't know when they decided to quit.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations 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 2025-02-03 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:
I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed underXXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.

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 2025-02-03 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: LEXISNEXIS
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Subject : Formal Dispute of Charge-Off Account Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Dear Trans Union Consumer Solutions Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX I am formally disputing the charge-off account appearing on my credit report under account number [ Account Number ]. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, I am demanding an immediate investigation into the validity of this account and its reporting. 

Grounds for Dispute : 1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : The FCRA requires credit reporting agencies to maintain accurate and up-to-date information. If this charge-off is inaccurate, unverifiable, or outdated, it must be corrected or removed.

2. Violation of 15 U.S.C. 1681i Right to Dispute and Reinvestigation : I am exercising my right to dispute this item. The credit bureau must conduct a reasonable reinvestigation within 30 days and provide me with the results in writing.

3. Violation of 15 U.S.C. 1692e False or Misleading Representation : If this charge-off account was transferred, sold, or assigned to another entity, the original creditor no longer has the legal right to report it as a charge-off. Reporting an account inaccurately or misleadingly is a direct violation of the FDCPA. 
4. Verification Request per 15 U.S.C. 1681s-2 : The creditor must provide proper documentation proving that this charge-off is valid and reported correctly. If the credit bureau can not obtain documented verification from the original creditor, the account must be removed immediately.

Requested Action : Conduct an independent investigation into this account. 
Provide written verification, including an original contract with my signature, proving that this charge-off is valid. 
If verification can not be obtained, delete the account from my credit report immediately. 

As per federal law, I expect a written response within 30 days. If this matter is not resolved, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. 

Please confirm receipt of this dispute and keep me updated on the status. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Subject : Formal Dispute of Charge-Off Account Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) Dear Trans Union Consumer Solutions Account Name : XXXX Account # XXXX XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX I am formally disputing the charge-off account appearing on my credit report under account number [ Account Number ]. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, I am demanding an immediate investigation into the validity of this account and its reporting. 

Grounds for Dispute : 1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : The FCRA requires credit reporting agencies to maintain accurate and up-to-date information. If this charge-off is inaccurate, unverifiable, or outdated, it must be corrected or removed.

2. Violation of 15 U.S.C. 1681i Right to Dispute and Reinvestigation : I am exercising my right to dispute this item. The credit bureau must conduct a reasonable reinvestigation within 30 days and provide me with the results in writing.

3. Violation of 15 U.S.C. 1692e False or Misleading Representation : If this charge-off account was transferred, sold, or assigned to another entity, the original creditor no longer has the legal right to report it as a charge-off. Reporting an account inaccurately or misleadingly is a direct violation of the FDCPA. 
4. Verification Request per 15 U.S.C. 1681s-2 : The creditor must provide proper documentation proving that this charge-off is valid and reported correctly. If the credit bureau can not obtain documented verification from the original creditor, the account must be removed immediately.

Requested Action : Conduct an independent investigation into this account. 
Provide written verification, including an original contract with my signature, proving that this charge-off is valid. 
If verification can not be obtained, delete the account from my credit report immediately. 

As per federal law, I expect a written response within 30 days. If this matter is not resolved, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. 

Please confirm receipt of this dispute and keep me updated on the status. Thank you for your prompt attention to this matter. 

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 explanation
Consumer complaint received 2025-02-03 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA Dear Experian, I am writing to formally dispute an inaccurate account appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$4700.00} Date Opened : XX/XX/XXXX Upon reviewing my credit report, I found this collection account to be inaccurately reported. I am disputing this information based on the following FCRA violations : 1. Failure to Verify Accuracy ( 15 U.S.C 1681e ( b ) ) Credit reporting agencies are required to ensure maximum possible accuracy. I request documentation verifying the validity of this debt, including original account agreements and payment history. If this can not be verified, it must be removed immediately. 
2. Failure to Conduct a Reasonable Investigation ( 15 U.S.C 1681i ( a ) ) Under the FCRA, upon receipt of a dispute, the credit bureau must investigate and provide verification within 30 days. If the data furnisher can not substantiate this account with documented proof, the entry must be deleted from my report. 
XXXX. Inaccurate Reporting of Balance ( 15 U.S.C 1681s-2 ( a ) ) The balance and past due amounts appear inconsistent. If the account is paid or settled, it should reflect a XXXX balance. Reporting inaccurate information violates the FCRA, and I demand immediate correction or removal. 
4. Potential Re-aging of Debt ( 15 U.S.C 1681c ) If the reported date does not align with the original delinquency date, this could be a case of unlawful re-aging, which extends the reporting period unfairly. Please provide proof of the original delinquency date. 

Under the FCRA, you are required to : Conduct a thorough investigation within 30 days. 
Provide written proof supporting the accuracy of the account. 
Delete the account if verification is not completed within the given timeframe. 

Please update my credit file accordingly and send me a written response confirming the results of your investigation. If Experian fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by federal law. 

Sincerely, 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