vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from any credit report, immediately : 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 2025-01-21 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: GA

Complaint narrative:
I never had an account at XXXX. I just checked XXXX  closed 5 years ago in XXXX. Today I checked my annual credit report and find one error. 2 out of 3 were correct. I last checked my Experian report and see a fraudulent collection account on my credit report. I was involved in multiple credit breaches from XXXX and now this collection agency XXXX XXXX ; Original creditor : XXXX is reporting {$6700.00} in collections. I have freezes on all my credit bureau accounts. I also initiated a 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts from the FCRA. They put fraud alerts for one yearon all my credit bureaus when I originally seen the erroneous collection. Now Experian still reporting false 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 2025-01-21 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: NY

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX  - XXXX - {$12000.00} XXXX  XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
My credit bureaus are showing I was late on this account which I wasnt I paid this account in full and closed it but the mistaken reporting actions this debtor is took has caused my credit score to suffer I want it fixed immediately or removed from my report being its paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: Eastern Account Systems of Connecticut, Inc.
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under XXXX5 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court XXXX In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX All Rights Reserved Without Prejudice

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: SC

Complaint narrative:
company name XXXX!! failed to couduct adequate investigation of disputed information in credit report I've sent letter and had company for these matters some account has been on my credit report for XXXX to XXXX years.. help me please ss # XXXX address XXXX XXXX XXXX XXXX sc XXXX dealing with XXXX XXXX  and XXXX  my credit will never be good with mistake like this..reporting errors and not investigating..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I can not access any of my tax documents. Told by Company that my phone number was not valid, but have been using the same phone number for this account since 2023. Refuses to upscale complaint. Personal information appears to have been compromised and/ or leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX - XXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - {$940.00} XXXX - XXXX - {$0.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute for Inaccurate Reporting of Student Loan Account by Equifax To Whom It May Concern, This letter serves as a formal dispute regarding inaccuracies and discrepancies in the reporting of my student loan account managed by the U.S. Department of Education ( US DEPT ED ) on my Equifax consumer credit report. These inaccuracies must be corrected immediately to prevent further harm to my creditworthiness and personal reputation.

The account details and errors are outlined below : Account Details : Creditor Name : DP OF EDUC ( U.S. Department of Education ) Account Number : XXXX High Balance : {$7100.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Account Status : Open Payment Status : Current Account Type : Student Loan, Fixed Rate Credit Limit : {$0.00} Discrepancies and Errors Identified : Late Payments Incorrectly Reported : Equifax reports a XXXX late payment, despite the loan being in good standing and payments marked as current. 
No late payments have occurred ; the status should reflect Never Late.

Failure to Accurately Reflect Deferment or Repayment Terms : The account has been under deferment, which has not been acknowledged or documented correctly.

Violations of Federal Law : 15 USC 1681e ( b ) : Failure to maintain accurate and complete reporting of consumer credit information.

15 USC 1681i : Failure to promptly investigate disputed information despite inaccuracies being evident upon review. 
Requested Action : I formally request the following actions be taken immediately : Correct the reporting on my Equifax report to reflect an accurate payment history with no late payments. 
Ensure the account status reflects any deferment periods accurately. 
Confirm in writing that the corrections have been made within XXXX business days from the receipt of this dispute. 
This incorrect reporting has caused significant emotional and financial distress. I expect prompt action to address this matter. If the inaccuracies are not corrected, I will escalate this issue further, including seeking legal remedies for damages under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute for Inaccurate Reporting of Student Loan Account by Equifax To Whom It May Concern, This letter serves as a formal dispute regarding inaccuracies and discrepancies in the reporting of my student loan account managed by the U.S. Department of Education ( US DEPT ED ) on my Equifax consumer credit report. These inaccuracies must be corrected immediately to prevent further harm to my creditworthiness and personal reputation. 
The account details and errors are outlined below : Account Details : Creditor Name : DP OF EDUC ( U.S. Department of Education ) Account Number : XXXX High Balance : {$7100.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Account Status : Open Payment Status : Current Account Type : Student Loan, Fixed Rate Credit Limit : {$0.00} Discrepancies and Errors Identified : Late Payments Incorrectly Reported : Equifax reports a XXXX late payment, despite the loan being in good standing and payments marked as current. 
No late payments have occurred ; the status should reflect Never Late.

Failure to Accurately Reflect Deferment or Repayment Terms : The account has been under deferment, which has not been acknowledged or documented correctly.

Violations of Federal Law : 15 USC 1681e ( b ) : Failure to maintain accurate and complete reporting of consumer credit information.

15 USC 1681i : Failure to promptly investigate disputed information despite inaccuracies being evident upon review. 
Requested Action : I formally request the following actions be taken immediately : Correct the reporting on my Equifax report to reflect an accurate payment history with no late payments. 
Ensure the account status reflects any deferment periods accurately. 
Confirm in writing that the corrections have been made within XXXX business days from the receipt of this dispute. 
This incorrect reporting has caused significant emotional and financial distress. I expect prompt action to address this matter. If the inaccuracies are not corrected, I will escalate this issue further, including seeking legal remedies for damages under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App. ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 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