vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies Transunion, Equifax and Experian to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX {$6500.00}, XXXX XXXX XXXX  {$3200.00}, XXXX {$4100.00}, XXXX  XXXX {$7200.00}, XXXX  XXXX {$6800.00}, XXXX XXXX {$3000.00} Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me.

Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions.

Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement. 
Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies Transunion, Equifax and Experian to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : XXXX XXXX XXXX {$6500.00}, XXXX XXXX XXXX  {$3200.00}, XXXX {$4100.00}, XXXX  XXXX {$7200.00}, XXXX  XXXX {$6800.00}, XXXX XXXX {$3000.00} Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me.

Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions.

Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement. 
Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.

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 2025-02-22 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: AE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts and addresses on my credit report. This information is preventing me from attaining my XXXX XXXX XXXX. Please remove this fraudulent information. Thank you. 

Fraudulent Accounts : XXXX Acct Number- XXXX Amount : {$7400.00} XXXXXXXX XXXX Acct Number- XXXX Amount : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX, XXXX and XXXX are allowing the creditors listed below to fraudulenty report negative items on my credit report. I've sent several letters to each bureau and the collection agency to verify the debt and remove the accounts and they have all failed to remove the following information from my credit report. My last letter was sent in XXXX. 

The following accounts are still being reported on my credit report and they should be removed. 

Creditor Name : XXXX XXXX XXXX, Balance : {$840.00} Account number : XXXX. Date opened : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX, Balance : XXXX, Account Number XXXX XXXX, Date opened : XX/XX/XXXX Creditor name : NAVY FEDERAL CR UNION, Balance : XXXX, Account number : XXXX, Date opened : XX/XX/XXXX Creditor name : XXXX XXXX Account Number : XXXX, Date opened : XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX, XXXX and XXXX are allowing the creditors listed below to fraudulenty report negative items on my credit report. I've sent several letters to each bureau and the collection agency to verify the debt and remove the accounts and they have all failed to remove the following information from my credit report. My last letter was sent in XXXX. 

The following accounts are still being reported on my credit report and they should be removed. 

Creditor Name : XXXX XXXX XXXX, Balance : {$840.00} Account number : XXXX. Date opened : XX/XX/XXXX Creditor Name XXXX XXXX XXXXXXXX XXXX, Balance : XXXX, Account Number : XXXX Date opened : XX/XX/XXXX Creditor name : XXXX XXXX XXXX XXXX, Balance : XXXX, Account number : XXXX, Date opened : XX/XX/XXXX Creditor name : SYNCB/CARE CREDIT, Account Number : XXXX, Date opened : XX/XX/XXXXXXXX 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 2025-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a store credit card with XXXX in XXXX of XXXX. XXXX failed to send me the credit card until XXXX of XXXX, I was unable to activate the credit card, and as a result I incurred a XXXX late payment in XXXX of XXXX that has stayed on my credit report. This is the only late payment on my credit report. I have disputed this mark several times on the basis that the creditor failed to provide me with the credit card in a timely fashion. I have also written a formal goodwill request for deletion to the creditor. The creditor claims that consenting to a goodwill request for deletion would be unlawful. The creditor is misrepresenting the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Experian to dispute inaccuracies regarding the spelling of my name and to request the removal of outdated and incorrect addresses from my credit report. There were six instances of misspellings of my name, all of which were subsequently corrected. However, upon reviewing my credit report on XX/XX/XXXX, I found that all the misspellings had reappeared, along with inaccuracies. Additionally, only one of the outdated or incorrect addresses was removed. I am requesting the complete removal of all outdated and misspelled names, addresses, and phone numbers from my credit report. 

On XX/XX/XXXX, I submitted a dispute letter to Experian to address the incorrect spelling of my name and to request the removal of outdated or incorrect addresses from my credit report. My dispute highlighted thirteen instances of incorrect name spellings and eight addresses that were either outdated or not associated with me. While five addresses were removed and my name was updated, it is now inaccurately reflected on my credit report once again. I am formally requesting the deletion of all variations of my name from my credit report and that only my current address be reported.

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measure 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 regulation 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 2025-02-22 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: CA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence of furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer. 1. XXXX  - Date Opened XXXX - Amount Charged off : {$1000.00} XXXX. XXXX XXXX - Date Opened XXXX - Amount in XXXX : {$590.00}

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 2025-02-22 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX {$15000.00XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-02-22 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Revenue Systems, Inc.
State: MD

Complaint narrative:
I had a XXXX  through XXXX XXXX XXXX ( XXXX XXXX ) paid for my yearly screening and I paid {$40.00} for a new XXXX XXXX XXXX I received a bill from them for {$60.00}, called and they said to disregard it and I will not receive another bill. I have the receipt from when I paid. I would appreciate it if this would be voided as I have never had to pay for the past few years. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, I had file a correction on my balances of my 6 credit cards. It seems as of XXXX XXXX, instead of correcting the account balance, they eliminated my XXXX  XXXX credit account. I have sent to letters and they have decline to correct. If you run my credit report on month before and beging of XXXX but before XXXX XXXX XXXX, will see my XXXX  XXXX account. I call and write to XXXX  XXXX, and they still send my credit info, but they have not corrected. Their way of me repairing is to hire a credit consultant to correct. Highway robbery for their error. All the other bureaus, XXXX and XXXX have my account listed.

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 2025-02-22 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-02-22 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: IL

Complaint narrative:
TransUnion has unauthorized reinsertion of accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Specifically, the XXXX  XXXX XXXX XXXX XXXX Account Numbers : XXXX were previously deleted but have since been reinserted without the proper notification required by law. 

According to FCRA regulations, if a previously deleted item is reinserted, the consumer reporting agency must : 1. Notify me within five business days of the reinsertion.

2. XXXX XXXX XXXX that the furnisher has verified the information 's accuracy and completeness.

I have not received any such notification, and I have reason to believe the reinsertion was done without proper certification, which is a direct violation of federal law. As a result, this unauthorized reinsertion has negatively impacted my credit profile. 

I demand that TransUnion : Immediately remove the reinserted accounts unless full compliance with the FCRA reinsertion requirements can be demonstrated. 

Provide me with the name and contact information of the furnisher who verified and reinserted the information. 

Issue a written confirmation of the accounts removal within 15 days of receiving this letter. 

Failure to comply with my request may result in a formal complaint to the Federal Trade Commission ( FTC ) and potential legal action for damages under FCRA provisions. 

I have enclosed a copy of my credit report highlighting the unauthorized reinsertion and any supporting documentation. 

I expect a prompt resolution to this matter by permanently redeleting these accounts.

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 2025-02-23 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: AL

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
This is a complaint against XXXXXXXX XXXX who sold my information to Spring Oaks Capital LLC. Spring Oaks Capital provided debt validation without an original signature and a bunch of itemized documents and printouts of bills. The alleged signature did not look like mine either. I have no knowledge of this account. The original Purchase Agreement or Orderflow agreement has never been provided. XXXX XXXX  has been deleted multiple times from the credit bureaus for violations against the FCRA. XXXX XXXX  and Spring Oaks Capital is violating Fair Credit Reporting Act 623-b ( but not limited to other sections ). It is the furnishers duty to provide accurate information. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. As the consumer Im stating this account reporting against me is inaccurate and not correct. This account is violating the Fair Credit Reporting Act via Section 623-b and Negligent Enablement of Identity Fraud, Defamation, and numerous other FCRA sections . Spring Oaks Capital isn't even licensed in the State of Minnesota to collect debt.Spring Oaks Capital has no Collection License fro the State of Minnesota and can't practice in the state. They are illegally reporting on my credit and violating the law. I am requesting XXXX XXXX  to remove this alleged debt from Spring Oaks Capital. Im addressing both XXXX XXXX  and Spring Oaks Capital for violating my rights under the FCRA and reporting an erroneous account against me. I have reported this issue with my State Attorneys Office, XXXX and the CFPB. This is my final dispute to clear this matter up. I have kept good records and will be seeking legal action against both companies, if this account is not removed in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I didnt remember getting any paper work in the mail for this type of collection i have now in my credit report and i try to dispute several times and it keep coming back

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