vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: DC

Complaint narrative:
This company ( XXXX XXXX XXXX ) is reporting inaccurate and fraudulent information on my credit report. By provisions of 15 US section 168i of the Fair Credit Reporting act, these items need to be investigated. Please provide me with proof of these items, specifically the purchase agreement bearing my signature. Failing that please update the record to show as PAID IN FULL/ AS AGREED or REMOVE this item from my credit report as soon as possible. This account is listed as a collection/ charge off account on my credit report but I have not received a 1099C for this charged debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the Fair Credit Reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completed 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 2025-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I submitted a dispute, the company responded asking for additional information, which I provided, Then they claimed they did not receive it. 

On XX/XX/year>, additional information was requested, and on XX/XX/year>, it was provided,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-04 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem unauthorized and potentially fraudulent. Kindly take swift action to address this matter. Relevant documents are attached for reference.

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 2025-02-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate account listed on my credit report by WebBank/Fingerhut . This account has been appearing on my credit report since 2014, yet it is neither an open nor a closed account. Its continued presence on my report is misleading and does not accurately reflect my credit history. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report. Since this account does not represent an active or closed line of credit, it should not be reported. I request that this matter be investigated promptly and that WebBank/Fingerhut be required to remove this erroneous listing from my credit report 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 2025-02-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 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: TX

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute any information on my credit report that is inaccurate or incomplete. I request that you thoroughly investigate and remove the incorrect name from my credit file, as it does not reflect the accurate and legal name by which I am identified.

Additionally, I request that you provide me with a copy of the original contract or account documentation that contains my correct name. If the original agreement contains any discrepancy in the name, I ask that you provide documentation that verifies the error and reflects the proper name associated with the account.

Please treat this matter with urgency, as inaccurate information can have a significant impact on my creditworthiness. If this issue is not rectified within the 30-day period allowed under the FCRA, I will consider pursuing further legal action, including but not limited to a lawsuit for violations of the Fair Credit Reporting Act, which provides for damages, attorneys fees, and court costs under 15 U.S.C. 1681n and 1681o.

I appreciate your prompt attention to this matter and request a written response once this issue has been resolved. Please update me on your findings and any actions taken to correct my credit file. 
Thank you for your cooperation. 


NAMES Requested to be removed XXXX XXXX XXXX XXXX XXXX AND Report No XXXX - My name was updated in two accounts and I would like to see the investigation report and the original contract with the correct names. 

If they can not produce the original contracts with the CORRECT NAME these names need to be removed immediately. IT HAVE BEEN OVER 30 DAYS SINCE I REQUESTED THIS 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 2025-02-04 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: SC

Complaint narrative:
Experian 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 disputed accounts as Experians inaction violates federal law and my rights.

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 2025-02-04 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: SC

Complaint narrative:
Experian 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 Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 disputed accounts as Experians inaction violates federal law and my rights.

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 2025-02-04 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: LJ Ross Associates
State: TX

Complaint narrative:
I am writing to formally dispute a debt that has been placed on my credit report by LJ Ross & Associates. This collection account was added to my credit report without any prior validation of the debt and without any attempt on their part to allow me the opportunity to pay or dispute the alleged amount before it was reported.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to be notified and provided validation of the debt before any adverse reporting occurs. LJ Ross & Associates failed to follow this protocol, causing unjust harm to my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUHOME SOLUTIONS, LLC
State: OK

Complaint narrative:
My house is paid off. I took out a mortgage to remodel XXXX, apparently in the fall of XXXX or XXXX they said they notified me I was lacking insurance for the year of XXXX. This house has never been without homeowners insurance I contacted my insurance agency. They have been dealing with them for over XXXX months now, XXXX is charging me escrow from XXXX because they said they had to force pay insurance because my house was not insured, according to my insurance insurance company it was and she has bent over backwards, sending them paperwork that they are requesting. They are still charging me escrow and have not cleared up or refunded anything. Now Im getting a letter in the mail because theres an escrow shortage. There should never be an escrow ever. Ive been on the phone with them discussing it several times my insurance has been working with them for months now nothing is resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goldman, Imani & Goldberg, Inc

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Withholding of Funds and Deceptive Practices In early XXXX, my company, XXXX XXXX XXXX, engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) to assist in collecting a {$XXXX} USD debt from our debtor, XXXX XXXX XXXX XXXX. However, XXXX  has engaged in deceptive business practices, failed to remit collected funds, and misrepresented its contractual rights. 

XXXX. XXXX  Collected {$XXXX} USD and Refused to Transfer Our Share In XX/XX/year>, our debtor, XXXX XXXX XXXX XXXX, paid {$XXXX} USD directly to XXXX. 
XXXX  never notified us of this payment. We only discovered it when our debtor informed us. 
Under our agreement, XXXX  was entitled to a XXXX  % commission, meaning XXXX XXXX is owed {$XXXX} USD. 
Despite multiple requests, XXXX  has refused to transfer our share of the collected funds for nearly XXXX  months. 

XXXX. XXXX  Imposed Unauthorized Fee Protection Measures to Withhold Funds XXXX  attempted to impose a retroactive Fee Protection Measure to justify withholding our funds. 
This measure was never agreed upon in our contract. 
When confronted, XXXX  claimed they were entitled to commission on payments they did not collect, which is a direct violation of standard debt collection practices. 

XXXX. XXXX  Delayed, Avoided, and Provided Inconsistent Justifications Since XX/XX/year>, XXXX  has repeatedly ignored or delayed responses when we demanded the transfer of our funds. 
They provided contradictory explanations, such as IT system issues, storms, and legal discussions, but never fulfilled their obligation to transfer the funds. 
We have repeatedly requested a full payment report and breakdown of fees, but XXXX  has failed to provide XXXX. 

XXXX. XXXX  Retaliated with XXXX XXXX XXXX XXXX pressed to pay, XXXX  falsely accused us of interfering with their collection process to justify withholding funds. 
They threatened a counter-lawsuit with no legal basis instead of resolving the issue. 

Requested Resolution : XXXX. XXXX transfer of the {$XXXX} USD that XXXX owes XXXX XXXX XXXX. 
XXXX. A formal investigation into XXXX  deceptive business practices. 
XXXX. Preventative actions to ensure XXXX  does not continue to withhold funds from other businesses.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-04 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: KY

Complaint narrative:
I was reviewing my credit report and I noticed that I have XXXX medical debt collections on my Equifax and XXXX credit report. 

The collection was reported to the credit bureau on XX/XX/XXXX. 

My date of service at the hospital was XX/XX/XXXX - XX/XX/XXXX. 

That is a direct violation of XXXX and the No Surprises Act. 

This is also a direct violation of the FCRA as the credit bureau 's are inaccurately reporting a medical collection debt that clearly violates XXXX and No Surprises Act. 

According to the XXXX XXXX XXXX  XXXX, medical debts can not be reported to credit bureaus until they are at least XXXX  days past the date of first delinquency/service. With date of service being XX/XX/XXXX, and the collection being reported on XX/XX/XXXX, that is less that XXXX  days and is a direct violation of XXXX. 

According to the No Surprises Act, providers must give patients an opportunity to resolve billing disputes before sending them to collections. I disputed the hospital charges as they were excessive with my insurance company and my insurance company was working that out with the hospital when I received a collection letter in the mail. 

I have attached my medical bill from the hospital showing the dates of service. I also attached proof of the payments I was making while I was waiting on my insurance company to resolve the dispute. I also attached the certified letter I sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX ( around XXXX ) of XXXX, I was interested in a truck XXXX 's XXXX of XXXX XXXX had on their lot. I was speaking with a sales rep about it, but they ended up selling it before I even had a chance to look at it. Now, I see hard credit inquiries from XXXX XXXX ( XXXX XXXX XXXX  ), XXXX XXXX XXXX ( XX/XX/year> ), XXXX  XXXX XXXX ( XX/XX/XXXX and XX/XX/year> ) on my credit history. I want these removed as I NEVER gave any permission ( tacit or otherwise ) to do a ( hard of soft ) credit inquiry from this dealership. I have emailed the XXXX XXXX and called and left voicemails and can not even get him to answer me or call back for them to have it removed.

Company response to consumer: Closed with explanation