vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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:
am filing this formal complaint regarding Experian and Equifaxs failure to comply with federal laws that protect XXXX XXXX XXXX XXXX in credit reporting disputes. Despite providing both credit bureaus with the necessary documentation confirming my identity and my status as a XXXX XXXX XXXX, my dispute has been ongoing for over a month, and my requests continue to be denied without valid justification. 

In addition to their failure to act, I have identified that some of the accounts in question contain inaccurate or conflicting information that does not match my identity. These discrepancies further prove that these accounts should not be associated with me. I have already uploaded documentation reflecting my correct information, yet Experian and Equifax continue to disregard the evidence I have provided. 

Under the XXXX XXXX XXXX XXXX ( DBRA ) [ 15 U.S.C. 1681c-3 ], consumer reporting agencies are legally required to remove adverse credit information resulting from XXXX XXXX once proper documentation has been submitted. Additionally, the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ] mandates that credit bureaus investigate disputes and resolve them within 30 days. Their continued failure to act is a clear violation of both federal laws. 

Given the above, Experian and Equifax are in direct noncompliance, and I am requesting immediate intervention by the CFPB to ensure that they : Immediately remove all negative items resulting from XXXX XXXX within 7 days of receiving this complaint. 
Correct or remove any accounts that do not accurately reflect my personal information. 
Cease further denials of my valid documentation and comply with the DBRA and FCRA. 
Provide written confirmation of the removal of these collections from my credit report. 
Experian and Equifaxs failure to process my dispute properly has placed undue hardship on me and has prolonged my XXXX. I urge the CFPB to take swift action to enforce 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 explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
My account was closed for violation of terms and agreement. They stated that I used my account for gambling. No time during the history of opening my account have I gambled. I can validate any transaction. I barely used the service, primarily to send money to family members or pay for services. They have failed to identify any suspected transaction that violated the terms of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
I am requesting the deletion of the following accounts due to an apparent reporting error on Equifaxs part. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently received an Equifax letter ( confirmation # XXXX ) stating that the accounts mentioned are " not currently reported on my Equifax credit file ''. However, upon reviewing my most recent credit report dated XX/XX/year>, I found that these same accounts are still being reported. This discrepancy indicates that I am being misled by Equifax, and these accounts are being inaccurately and negligently reported on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. The FCRA mandates that consumer reporting agencies, such as Equifax, must ensure that the information they report is accurate and complete. Furthermore, Section 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The failure to remove or correct inaccurate information, despite evidence to the contrary, constitutes negligence in Equifaxs reporting practices.

Equifax 's failure to properly communicate with the consumer and correct the inaccuracies in my credit report is a clear violation of these obligations under the FCRA. These discrepancies have resulted in my credit file being inaccurately reported, which is drastically affect my creditworthiness. 

I request immediate action to update and remove the inaccurate accounts from my credit report as mandated by law. The continued reporting of this incorrect information is a direct result of Equifaxs negligence and failure to comply with the standards set forth in the FCRA. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SOUTHWEST CREDIT SYSTE This company is reporting information on my credit thats not mines. 

This has been the XXXX time they do this. 
I will be looking into hiring an attorney for a XXXX  law sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
XXXX. XX/XX/XXXX I applyed for US Bank Skypass Select Visa Card in response to its letter of offer : XXXX XXXX XXXX XXXX, {$250.00} XXXX XXXX with {$450.00} Annual Fee with {$5000.00} spending - approved on XX/XX/XXXX XXXX. XXXX -- I spent the total of approximatly {$7000.00} and made the XXXX payment of {$4000.00} from my Employer 's business bank account on XX/XX/XXXX. ( remaining {$3000.00} was paid a few weeks later, this time I paid it from my personal bank account ) XXXX. XX/XX/XXXX -- I received a letter from U.S. Bank dated XX/XX/XXXX, stating that my credit card account was closed because they did not know whehter I am the authorized agent for a Demand Deposit Account ( DDA ). The letter also stated that I can call them with the document showing that I am the authorized agent of the account ( Employer 's Business bank account where I am registered as an authorized signer ) XXXX. XX/XX/XXXX -- I called US Bank CS and was told to fax any document, So, I faxed XXXX  XXXX XXXX letter showing my name as an authorized signer of the XXXX on XXXX as they requested. 

XXXX. XX/XX/XXXX I called and was told that I was supposed to fax in the copy of Bank statement of the DDA for verification, which was not a part of their instruction last time I called. 

XXXX. XX/XX/XXXX I faxed the bank statements as requested. No response. 

XXXX. XX/XX/XXXX I called and was told that nothing can be done and to open a new card and start again to receive the bonus. Although I have provided everything they requested to verify that the payment was drawn from a bank account where I have the authority to draw as the credit card payment, U.S. Bank did not change its decision.

10. In conclusion, U.S. bank charged {$450.00} annual fee and I lost one hard pull of credit history, XXXX Korean Air miles that I deserved and other credit card benefits. I believe that the course of U.S. Bank 's proceduire seriously deprived me of an opportunity to even attest, argue and finally receive what I was entitled. 11. US Bank accepted the payment anyway while they
are worrying about the DDA is not the right to make the payment. The US Bank 's purported concern and steps to protect associated parties do not appear anywhere here where they accept payment and refuse to give me what I would have received in return based on their credit card offer. It is an unacceptable practice of business from greed alone.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This account is reporting late when it was paid as agreed please update or delete this account asap. Remove 30 day late that was reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX I was informed by my banking institution that they received a deposit of XXXX and they can not send the fund back to my payroll provider or upload the funds to my account they did receive a test deposit on XX/XX/XXXX on XXXX cent from my payroll provider I have contacted my banking on the XXXX, XXXX, XXXX, and XXXX and they told me all they can do is escalate this matter to their back office. I have the trace number for this ach transaction and direct deposit the trace number is XXXX the ticket number that my banking institution provided is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: GA

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 : CASCADE CAPITAL FUNDINGXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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. 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.

Delete these Accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 explanation
Consumer complaint received 2025-02-19 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to remove inaccurate, incomplete, and unverifiable information from my credit report, despite multiple disputes. The Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ) requires that credit reporting agencies delete information that is inaccurate or can not be verified, rather than updating or modifying it. 

However, I have disputed the same inaccurate information multiple times, yet the credit bureaus have failed to comply with the law and continue to report false data on my credit file. 

The account in question is XXXX Account, which has been inaccurately reported across all three credit bureaus. 

I have submitted multiple disputes over the past several months requesting that the inaccurate and unverifiable information be removed permanently, but each bureau has failed to take appropriate action. 
The errors in reporting include inconsistent account opening dates, incorrect credit limits, different charge-off dates, conflicting payment histories, and discrepancies in reporting status ( charge-off vs. collection ). 
Under FCRA 1681e ( b ), credit bureaus are required to maintain accurate and consistent records, but they have failed to meet this obligation.

Under FCRA 1681s-2 ( b ), the bureaus and the data furnisher ( XXXX ) are legally required to ensure that the reported information is 100 % accurate and verifiable, yet they have failed to do so. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), if any information can not be verified, it must be permanently deletednot corrected or updated. The credit bureaus have violated this by continuing to report inaccurate data instead of removing it as required by law.

Despite my multiple dispute attempts, the credit bureaus have continued to ignore my consumer rights under the FCRA Legal Violations Committed by the Credit Bureaus : - Violation of FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

- Violation of FCRA 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information.

- Violation of FCRA 1681s-2 ( b ) : Failure of the credit bureaus to properly investigate and verify information provided by the data furnisher.

- Violation of My Consumer Rights : The bureaus are knowingly allowing inaccurate and inconsistent information to remain on my report, causing financial harm and preventing me from accessing credit opportunities.

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 2025-02-19 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:
I am filing this complaint against Equifax, Experian, and TransUnion for their repeated failure to remove inaccurate, incomplete, and unverifiable information from my credit report, despite multiple disputes. The Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ) requires that credit reporting agencies delete information that is inaccurate or can not be verified, rather than updating or modifying it. 

However, I have disputed the same inaccurate information multiple times, yet the credit bureaus have failed to comply with the law and continue to report false data on my credit file. 

The account in question is XXXX Account, which has been inaccurately reported across all three credit bureaus. 

I have submitted multiple disputes over the past several months requesting that the inaccurate and unverifiable information be removed permanently, but each bureau has failed to take appropriate action. 
The errors in reporting include inconsistent account opening dates, incorrect credit limits, different charge-off dates, conflicting payment histories, and discrepancies in reporting status ( charge-off vs. collection ). 
Under FCRA 1681e ( b ), credit bureaus are required to maintain accurate and consistent records, but they have failed to meet this obligation.

Under FCRA 1681s-2 ( b ), the bureaus and the data furnisher ( XXXX ) are legally required to ensure that the reported information is 100 % accurate and verifiable, yet they have failed to do so. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), if any information can not be verified, it must be permanently deletednot corrected or updated. The credit bureaus have violated this by continuing to report inaccurate data instead of removing it as required by law.

Despite my multiple dispute attempts, the credit bureaus have continued to ignore my consumer rights under the FCRA Legal Violations Committed by the Credit Bureaus : - Violation of FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

- Violation of FCRA 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information.

- Violation of FCRA 1681s-2 ( b ) : Failure of the credit bureaus to properly investigate and verify information provided by the data furnisher.

- Violation of My Consumer Rights : The bureaus are knowingly allowing inaccurate and inconsistent information to remain on my report, causing financial harm and preventing me from accessing credit opportunities.

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