vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  after reviewing my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, 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 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. and according to 15 USC 1681s-2 they are suppose to nor 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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
A charge-off from XXXX was previously removed in XXXX after I fully paid the account. However, it was illegally reinserted on my credit report in XX/XX/XXXX without notification. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a removed negative account can not be re-reported unless I receive written notice within five days. I never received this notice. 

This is a violation of federal law, and I am reporting this to the FTC for further investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
A charge-off from XXXX was previously removed in XXXX after I fully paid the account. However, it was illegally reinserted on my credit report in XX/XX/XXXX without notification. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a removed negative account can not be re-reported unless I receive written notice within five days. I never received this notice. 

This is a violation of federal law, and I am reporting this to the FTC for further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are multiple names and address on my report that are incorrect. Ive called to have them removed by no help was given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
carmax auto account on credit report past 7 years. Last payment was XX/XX/year> per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing. 


XXXX  account is fraud. I have filed police report and FTC identity theft report and submitted to transition. They deleted original creditor tradeline however the original creditor sold the tradeline and the collection agency is trying to collect. Please delete this account is not mine. Attached you will show the deleted result from XXXX XXXX of original account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
HELLO. I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT ACCORDANCE TO USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO USC 6802 1681b NEVER GAVE WRITTEN CONSENT TO HAVE THESE FRAUD NAMES ADDRESSES TO BF FURNISHED 10 MY CONSUMER REPORTS IF you HAVE XXXX XXXX XXXX! ER you SENT ME AND 1 RETURNED THE LETTER PLEASE SEND IT TO MY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX you ARE BREAKING THE CONSUMER LAW TWICE ALSO USC 1028aoc AGGRAVATED IDENTITY THEFTDELETE THESE FRAUD NAMES, ADDRESSES THEY READ : PLEASE DELETE XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MY XXXX GIVE NAME READS : XXXX XXXX I HAVE SENT PROOF AS WELL WITH THIS AFFIDAVIT ALSO YOU ARE SETTING ME up FOR IDENTITY THEFT AND FRAUD IF A SCAMMER GETS MY INFO you WILL BE LIABLE AND SUED PLEASE CORRECT MY CONSUMER REPORT STOP BEING GREEDY THX YOU VERY MUCH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
HELLO. I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT ACCORDANCE TO USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO USC 6802 1681b NEVER GAVE WRITTEN CONSENT TO HAVE THESE FRAUD NAMES ADDRESSES TO BF FURNISHED 10 MY CONSUMER REPORTS IF you HAVE XXXX XXXX XXXX! ER you SENT ME AND 1 RETURNED THE LETTER PLEASE SEND IT TO MY CORRECT ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX you ARE BREAKING THE CONSUMER LAW TWICE ALSO USC 1028aoc AGGRAVATED IDENTITY THEFTDELETE THESE FRAUD NAMES, ADDRESSES THEY READ : PLEASE DELETE XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MY XXXX GIVE NAME READS : XXXX XXXX I HAVE SENT PROOF AS WELL WITH THIS AFFIDAVIT ALSO YOU ARE SETTING ME up FOR IDENTITY THEFT AND FRAUD IF A SCAMMER GETS MY INFO you WILL BE LIABLE AND SUED PLEASE CORRECT MY CONSUMER REPORT STOP BEING GREEDY THX YOU VERY MUCH.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting assistance in obtaining a copy of a Form 1099-C for a charge-off reported by Regional Acceptance Co. The account was charged off and reported to the IRS, but I never received a copy of the Form 1099-C, which I need to verify the cancellation of debt.

I contacted the creditor via certified mail on XX/XX/year> to request this form, but I have not received a response. The charge-off remains on my credit report as a debt owed, despite my belief that it was forgiven and reported to the IRS. 

I am requesting the CFPB 's assistance in resolving this issue and ensuring the creditor provides me with the Form 1099-C.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good day!

I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally express my concerns regarding Experian 's handling of my credit disputes. Despite my repeated attempts to dispute negative remarks, old accounts, and late payment entries on my credit report, I have been met with unsatisfactory responses and a lack of transparency throughout the process. 

Specifically, I have requested verification of my information and documentation regarding the investigations of these disputes. Still, I have not received the necessary documentation I am entitled to. Additionally, I have noticed that many of my disputes are closed alarmingly quickly, often within a few hours to less than 24 hours after submission. This rapid closure raises serious concerns about the thoroughness and accuracy of the investigation process. Additionally, they do not provide any details on how they validated their investigation, even when I have repeatedly asked for clarification. I have written letters to the creditors to validate/dispute my information in XX/XX/XXXX. With no response from my creditors I followed the dispute guidelines from Experian and mailed letters to Experian XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, online numerous times from XX/XX/XXXX to XX/XX/XXXX, to remove the disputed information, as they are clearly in violation of the CFPB and the FCRA. Despite this, I still have not received any documentation on how they " validated '' my disputes. 

Furthermore, according to consumer protection regulations, if an item can not be verified by the creditor within the designated time frame, it should be removed from my credit report. Additionally, the information should also be removed if the creditor either fails to respond within the allotted time frame or confirms that the item is not accurate. However, despite these clear guidelines, I feel that the procedures currently in place with Experian are not being followed, and my rights as a consumer are not being upheld. 

I believe that these flawed intake and investigation procedures do not adequately convey all relevant information regarding my disputes to the original furnisher of my credit information. This lack of diligence not only affects the accuracy of my credit report but can have lasting implications for my financial well-being. 

I respectfully request your intervention in this matter, as it is vital for consumers to be treated fairly and to have their concerns addressed in a transparent manner. Thank you for your attention to this serious issue, and I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and have noticed some fraudulent activity. Please remove these accounts from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sold my car at an auction on XX/XX/year> and received a check for {$10000.00}. After that, I went to the bank and deposited the check on XX/XX/year>. The bank initially placed a 10-day hold on the check for verification. After 10 days, I visited the bank to ask if my funds were available. The bank did not provide any information and instead gave me a phone number to call : XXXX. When I called, they asked me to provide documents related to the check, so I submitted the invoice from the auction that confirmed the sale. 
Since then, the bank has not contacted me. I followed up with them again, and they said they were still verifying the check. I provided them with complete contact information for the auction so they could confirm the check validity. However, the bank still did not reach out to me. I called them again, and they told me they have no information on when the funds will be available. It has now been three months. Every time I call, a representative speaks to me but does not provide any information about my deposited funds. They also say that they sent me a letter, but i have never received any letter. I have asked multiple times to be connected with someone who can explain what is happening and when I will be able to access my money, but customer service always tells me that they do not know who I should contact and that I just need to wait. Last time when I talked with a bank, the bank gave me a claim # XXXX. I need help understanding why I still do not have access to my funds, as this is a significant amount of money for me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this formal dispute regarding the late payment entries on my credit report : XXXX - XXXX - {$19000.00} XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXXXXXX - {$0.00} These records do not reflect my actual payment history and should be corrected. I have made multiple attempts to get this matter resolved, providing all relevant documentation and following up persistently, yet the errors remain. This situation has not only impacted my financial health but has also caused me a great deal of frustration and stress. 

The Fair Credit Reporting Act ( FCRA ) ensures my right to an accurate credit report. Any incorrect, outdated, or misleading information should be promptly removed or updated. I urge you to take immediate action to correct these records. 

Please prioritize this matter, as these errors are negatively affecting my credit standing. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase credit account on credit report past 7 years. Last payment was XX/XX/2017 per credit report attached. When disputed they fraudulently report payments that were not made to extend the reporting therefore damaging my credit worthiness. 
The Fair Credit Reporting Act ( FCRA ), which is part of Title 15 of the United States Code ( USC ), protects consumers by regulating how credit information is collected and used by credit reporting agencies. Under the FCRA, negative information, such as late payments, collections, or bankruptcies, generally stays on a consumers credit report for up to seven years from the date of the negative event.

After this period, the information is supposed to be removed from the consumer 's credit report, which can help improve credit scores and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
in accordance with the fair credit reporting act XXXX  accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. - 15USC 1681 section 602 states I have the right to privacy. -15 USC 1681 section 604A section-2 ; It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I signed up for XXXX XXXX credit card. I paid the balance using online billpay feature at XXXX XXXX XXXX XXXX in XX/XX/2024. Later I found the payment went to a company with the name, XXXX XXXX XXXX. So I filed a dispute, because I paid to XXXX XXXX but the money didn't go to the XXXX XXXX. This happened again even I paid to XXXX XXXX credit card, it didn't go to the XXXX XXXX credit card. After this trouble I cancelled the credit card right away, paying the balance again on the phone. But this payment didn't go to the credit card at all. I still don't know where my payment went. 

This credit card supposed to be XXXX XXXX, but there seems to be involving few other company. I just want to know making sure where my payment went. 

They still asking me to pay the balance, but I don't want to pay if I don't know who I'm paying and without legit receipt for my payment.

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