vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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:
I am writing to formally lodge a complaint regarding the recent lawsuit filed against the major credit bureaus ( Equifax, XXXX, and XXXX ). I have been following this case and I am deeply concerned about its impact on consumers like myself, who have been affected by inaccuracies and unfair practices in credit reporting. 

Over the years, I have encountered several issues with the credit reporting process, including but not limited to incorrect information appearing on my credit report, delays in addressing disputes, and the lack of transparency and accountability from these credit bureaus. Despite multiple attempts to resolve these issues directly with the bureaus, I have experienced little to no satisfaction or improvement. 

The lawsuit, which claims the credit bureaus have engaged in negligent behavior and failed to properly handle disputes or provide consumers with adequate protection, resonates with my personal experience. It is deeply troubling to see these companies, who hold such significant power over people 's financial lives, engage in practices that harm consumers by maintaining inaccurate or incomplete data. 

My concerns include the following : Failure to Correct Errors : Despite submitting disputes regarding inaccurate information on my credit report, I have not seen timely corrections or adequate explanations from the credit bureaus. 

Lack of Transparency : The credit bureaus provide limited clarity on how they handle disputes or the process they follow when investigating errors, leaving consumers in the dark.

Inadequate Customer Service : My efforts to reach out to the credit bureaus for assistance have often resulted in long delays, unanswered calls, or responses that do not resolve my concerns.

Impact on Creditworthiness : The inaccuracies in my credit report have negatively impacted my credit score, limiting my access to financial products and services at fair terms. 

I urge the Consumer Financial Protection Bureau to continue to investigate these practices and take appropriate action against the credit bureaus to ensure they are held accountable for their actions and that consumers ' rights are protected. It is crucial that the credit reporting system becomes more transparent, efficient, and consumer-friendly, allowing for timely corrections and clear communication throughout the dispute process. 

I would appreciate any updates on the progress of this lawsuit and any actions that may be taken to address these ongoing concerns. 

Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I am writing to dispute and report an inaccurate charge-off entry on my credit report concerning an account ( XXXX ). This charge-off is reported without a corresponding Form 1099-C, which contradicts the Fair Credit Reporting Act ( FCRA ) guidelines and IRS regulations regarding debt forgiveness. According to the IRS, a 1099-C form must be issued when a debt is canceled or forgiven, which should be reported as taxable income. However, a 1099-c form has not provided, indicating the debt remains collectible. If the bank has claimed a tax deduction for this charge-off without issuing a 1099-C, it must be corrected to reflect accurate reporting. Furthermore, XXXX XXXX XXXX has sold the debt to a third party ( Transworld Systems Inc ) which there is no written agreements signed by me authorizing this action. I demand that this account ( XXXX ) be removed immediately as my rights have been violated under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 non-monetary relief
Consumer complaint received 2025-02-10 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 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: GA

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 2025-02-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Experian has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported.

Key Issues : Failure to Conduct a Reasonable Reinvestigation Experian is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Experian has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers.

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Experian s failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete.

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Experian has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Experian conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 

Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

If Experian continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Experian to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

Sincerely, 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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: WA

Complaint narrative:
XXXX XXXX I had this service years ago and it appeared to work. Now it does not. I believe they do not possess the proper avenues to correct my credit reports. I have received several responses from my creditors in question and they report that insufficient information was asked and NO CHANGES WILL made. XXXX XXXX  then puts a para legal on the phone and I asked for a Supervisor and was promised a call back. I received nothing within 4-5 days. I called back, was denied by another paralegal and their Supervisor. Then, after holding another 10 minutes got a Lawyer, who basically stated that they DO NOT provide refunds, but he would go through the history and see what they could all learn from the call. They were much more thorough in their decline of my {$750.00} investment to their services, than they were with the intro to the mighty services they provide. They are arrogant and belittling at the same time. Consumers should watch out for their empty promises or innuendos that state that they can FIX your Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
Complaint Summary : My father passed away in XX/XX/XXXX. Shortly after his death, I was able to successfully log into his Blockchain.com wallet using his wallet ID and password on both his laptop and my own computer. He has XXXX in his wallet. 

I did not attempt to access the wallet again until XX/XX/XXXX, when I decided to sell the XXXX as part of the estate administration. However, I found that I could no longer log in because the authentication emails were not being received. Upon checking my fathers email account, I discovered it had been shut down due to his passing. 

On XX/XX/XXXX, I contacted Blockchain.com support and provided proof that I was the executor of my father 's estate. I submitted a copy of his death certificate, my identification ( passport ), and all relevant account details, requesting that they update the email address on the wallet so I could regain access. Over the following weeks, I had multiple conversations with their support team, but I received no meaningful help. 

On XX/XX/XXXX, I regained access to my fathers email account and attempted to contact Blockchain.com support again, now using his original email address. On XX/XX/XXXX, they responded, stating that without the XXXX recovery phrase, they could not assist. However, their own policy states that either the XXXX recovery phrase OR the wallet ID and password are sufficient for account recoveryI have the wallet ID and password, yet they still refused to assist. 

In XX/XX/XXXX, I contacted XXXX XXXX XXXX, a third-party service, to explore my options. Through them, I learned that Blockchain.com is willing to transfer wallet authentication emails to XXXX XXXX XXXX but refused to transfer them to me, the proven executor of the estate. 

After learning this, I contacted Blockchain.com support again to ask why they are willing to transfer control to XXXX XXXX XXXX but not to me, even though I have provided legal proof of my right to access the account. I received no response. 

Complaint Issue : Blockchain.com has refused to honor its own policies and has blocked access to my late father 's wallet despite me having the wallet ID and password and being the legal executor. At the same time, they are willing to transfer access to XXXX XXXX XXXX, which charges a 20 % recovery fee, but they will not provide the same access to me, which seems unethical and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: GA

Complaint narrative:
There is a letter attached with my considers for the fraud account listed on my report. I have filed all the paperwork. Please remove the account immediately.

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 2025-02-10 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:
There is a letter attached with my considers for the fraud account listed on my report. I have filed all the paperwork. Please remove the account immediately.

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 2025-02-11 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: MN

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay. anymore.

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 2025-02-11 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: MN

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay. anymore.

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 2025-02-10 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am filing a complaint regarding an unknown collection account XXXX being reported on my credit report by Sunrise Credit . This company is claiming an alleged balance associated with the original creditor, XXXX XXXX XXXX. However, I have never had an account with XXXX XXXX XXXX. 

Upon contacting XXXX XXXX XXXX, they confirmed that I do not have any accounts with them, nor do I have an outstanding balance tied to my name. The balance being reported by Sunrise Credit is invalid and unauthorized. 

Additionally, Sunrise Credit is not registered to transact business in the state of Texas and does not hold a valid license to collect debts in Texas. This is a violation of state laws and further invalidates their collection activities. 

There are also significant inconsistencies in the information being reported, including discrepancies in the open date and the date last active. These inaccuracies do not comply with Fair Debt Collection Practices Act ( FDCPA ) regulations. 

I was never notified of this alleged debt, which is another violation of the FDCPA. Sunrise Credit has a documented history of being accused of engaging in illegal debt collection practices, and their actions in this matter reinforce these allegations.

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 2025-02-10 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: FL

Complaint narrative:
I want these items removed and blocked from my credit report XXXX XXXX XXXX XXXXXXXX {$5200.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX {$0.00} Account XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$9000.00} Account XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} Account XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$3400.00} Account XXXX Closed Date XXXX XX/XX/XXXX XXXX XXXX XXXX {$0.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX XXXX XXXX {$710.00} Account XXXX Closed Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B )

Company response to consumer: Closed with explanation