vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I use cash app as a major part of my barber business I beeen accepting payments fine no problem but as of XX/XX/XXXX until present I have not be able to withdraw my funds or pay back the cash app loan the screen keep reading suspicious transactions I told them I was a barber and majority of my client pay me with the app all the. Company keep texting that there working to resolve my issue and it takes about 30 days we are way past that timeframe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 Equifax has neither corrected nor removed accounts am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Last XXXX, after selling our home, we purchased and renovated a new one. As part of that process over the 9 months, we withdrew some cash to pay our contractorssomething that apparently triggered the account closure and cancellation of all credit cards. 
After speaking with multiple representatives at Chase, not only they refused to provide any details about the " unusual activities '' but they also stated that theres no appeal process, and this decision will have lasting consequences not only for my wife and me but also for our children. 

Whats most shocking is that all three of our kidsone still a minor and two in their early twentiesare also facing lifetime bans simply because my wife and I were co-signers on their accounts. Beyond the hassle of moving all our finances elsewhere, the idea that our children will be permanently barred from banking with one of the largest financial institutions in the country feels deeply unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting of my XXXX XXXX  account ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure accurate and complete reporting of consumer credit information. However, I have identified several discrepancies among the reports from TransUnion, Experian, and Equifax and this account must be deleted immediately.

Discrepancies in Reporting : 1. High Balance Discrepancy : TransUnion : {$6800.00} Experian : {$0.00} Equifax : {$6800.00} This amount should be reported consistently across all bureaus.

2. Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match across all reports.

3. Date Reported : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax has an incorrect date reported. 

4. Creditor Remarks : TransUnion : Canceled by credit grantor Experian : Unpaid balance reported as a loss by the credit grantor Equifax : Accounts closed by credit grantor These remarks should be consistent across all bureaus.

5. Payment History Discrepancies : Experian shows inconsistent late payments ( OK status, followed by XXXX, XXXX, XXXX, XXXX, XXXX  days late ) and then charge-off ( CO ). 
Equifax displays a different late payment timeline and charge-off reporting.

TransUnion does not report any payment history at all, which is an inconsistency.

Under the FCRA, I request that you delete this account since it is reporting inaccurately. Thank you for your prompt attention to this matter. I expect a deletion within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting of my XXXX XXXX  account ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure accurate and complete reporting of consumer credit information. However, I have identified several discrepancies among the reports from TransUnion, Experian, and Equifax and this account must be deleted immediately.

Discrepancies in Reporting : 1. High Balance Discrepancy : TransUnion : {$6800.00} Experian : {$0.00} Equifax : {$6800.00} This amount should be reported consistently across all bureaus.

2. Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The date of last activity should match across all reports.

3. Date Reported : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Equifax has an incorrect date reported. 

4. Creditor Remarks : TransUnion : Canceled by credit grantor Experian : Unpaid balance reported as a loss by the credit grantor Equifax : Accounts closed by credit grantor These remarks should be consistent across all bureaus.

5. Payment History Discrepancies : Experian shows inconsistent late payments ( OK status, followed by XXXX, XXXX, XXXX, XXXX, XXXX  days late ) and then charge-off ( CO ). 
Equifax displays a different late payment timeline and charge-off reporting.

TransUnion does not report any payment history at all, which is an inconsistency.

Under the FCRA, I request that you delete this account since it is reporting inaccurately. Thank you for your prompt attention to this matter. I expect a deletion within the 30-day period required by law. 
Sincerely, XXXX XXXX XXXX

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to provide an update regarding my ongoing disputes with Equifax. Despite having submitted all required documentation and information to resolve the issues on my file, I regret to inform you that none of the disputes have been resolved or corrected to date. Equifax has not taken the necessary steps to address my concerns. 

I have previously provided them with all requested documentation, including any supporting evidence, and I have made every effort to ensure that they have everything needed to review my case thoroughly. However, despite my repeated communications with them, I have not seen any changes or updates in the disputed entries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: SC

Complaint narrative:
I have been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. This is in direct violation of the FCRA, 15 U.S.C. 1681 et seq.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint and Request for XXXX XXXX XXXX XXXX Dear Equifax Representative XXXX I am writing to formally lodge a complaint regarding the erroneous and inaccurate information reflected on my credit report, which I obtained from Equifax. I have discovered numerous discrepancies that have had a detrimental impact on my credit score and overall financial standing. 

Despite my concerted efforts to maintain an impeccable credit record, making all payments on time, my credit report inaccurately reflects otherwise. This is a direct result of Equifax 's failure to uphold its duty under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and timely updating of credit information. 

In light of the following points, I request that Equifax promptly take action to rectify these inaccuracies and compensate me for my time, effort, and financial losses incurred due to your organization 's negligence : 1. **Inaccurate Reporting** : The credit report contains information that is demonstrably incorrect. This includes accounts that do not belong to me and payment histories that misrepresent my consistent on-time payments.

2. **Data Breach** : Following the significant data breach in XXXX, my personal information was compromised. As a result, I have been subjected to identity theft, which has exacerbated the inaccuracies on my credit report. This is a violation of consumer law, as Equifax failed to safeguard my sensitive data. 

3. **Violation of FCRA** : According to the FCRA, consumers have the right to dispute incomplete or inaccurate information. Despite numerous attempts to resolve this issue through formal disputes, the inaccuracies persist, indicating non-compliance by Equifax.

Given the substantial harm caused by these inaccuracies, I request that : 1. **Immediate Removal** : All incorrect and inaccurate information be removed from my credit report forthwith. 

2. **Compensation** : Equifax compensate me for the time and financial resources expended in addressing these issues, as well as any damages incurred due to the negative impact on my credit score. 

Please confirm receipt of this letter within 10 days and provide a detailed response outlining the steps Equifax will take to address and resolve these issues. Failure to comply with this request will leave me no choice but to seek legal recourse to protect my rights under consumer law. 

Thank you for your immediate attention to this matter. I look forward to your prompt and favorable response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint and Request for XXXX XXXX XXXX XXXX Dear Equifax Representative XXXX I am writing to formally lodge a complaint regarding the erroneous and inaccurate information reflected on my credit report, which I obtained from Equifax. I have discovered numerous discrepancies that have had a detrimental impact on my credit score and overall financial standing. 

Despite my concerted efforts to maintain an impeccable credit record, making all payments on time, my credit report inaccurately reflects otherwise. This is a direct result of Equifax 's failure to uphold its duty under the Fair Credit Reporting Act ( FCRA ), which mandates the accurate and timely updating of credit information. 

In light of the following points, I request that Equifax promptly take action to rectify these inaccuracies and compensate me for my time, effort, and financial losses incurred due to your organization 's negligence : 1. **Inaccurate Reporting** : The credit report contains information that is demonstrably incorrect. This includes accounts that do not belong to me and payment histories that misrepresent my consistent on-time payments.

2. **Data Breach** : Following the significant data breach in XXXX, my personal information was compromised. As a result, I have been subjected to identity theft, which has exacerbated the inaccuracies on my credit report. This is a violation of consumer law, as Equifax failed to safeguard my sensitive data. 

3. **Violation of FCRA** : According to the FCRA, consumers have the right to dispute incomplete or inaccurate information. Despite numerous attempts to resolve this issue through formal disputes, the inaccuracies persist, indicating non-compliance by Equifax.

Given the substantial harm caused by these inaccuracies, I request that : 1. **Immediate Removal** : All incorrect and inaccurate information be removed from my credit report forthwith. 

2. **Compensation** : Equifax compensate me for the time and financial resources expended in addressing these issues, as well as any damages incurred due to the negative impact on my credit score. 

Please confirm receipt of this letter within 10 days and provide a detailed response outlining the steps Equifax will take to address and resolve these issues. Failure to comply with this request will leave me no choice but to seek legal recourse to protect my rights under consumer law. 

Thank you for your immediate attention to this matter. I look forward to your prompt and favorable response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : XXXX XX/XX/XXXX - XXXX - {$120.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-02-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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