vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: MO

Complaint narrative:
Subject : Intent to Sue for FCRA Violation Unauthorized Post-Bankruptcy Reporting Dear Equifax Dispute Department, I am writing to formally notify you of a serious violation of the Fair Credit Reporting Act ( FCRA ) regarding the improper and illegal reporting of a XXXX XXXX account ( XXXX ) on my credit report after it was XXXX in bankruptcy. 

Despite my bankruptcy discharge, Equifax has negligently allowed XXXX XXXX to report this account as a charged-off account with a past-due balance of {$3800.00}, which is a clear violation of federal bankruptcy laws and the FCRA ( 15 U.S.C. 1681s-2 ). A XXXX debt must not be reported as past due, charged off, or delinquent. 

This error has caused me financial and emotional distress, including but not limited to : Lowered credit scores affecting my ability to secure credit, housing, and employment Reputational damage and stress caused by inaccurate reporting Violation of my rights under federal law My Demands : To resolve this matter amicably, I demand the following : Immediate and permanent deletion of the XXXX XXXX account from my credit report. 
A monetary settlement for damages caused by this negligent reporting, in the maximum amount allowed by law. 
Failure to meet these demands within 10 days from receipt of this letter will result in legal action, including but not limited to : A lawsuit against Equifax for violating the FCRA, seeking statutory and punitive damages A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint to the Missouri Attorney XXXX XXXX for your failure to comply with federal regulations This letter serves as my good faith attempt to resolve this matter outside of court. If Equifax does not take immediate corrective action, I am prepared to seek full legal recourse. 

Please respond in writing within 10 days to my email which is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: Experian Information Solutions Inc.
State: NY

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 2025-03-07 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had late payments on an account that i was in fact paid on time. The consumer reporting agencies heed to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX & XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. I this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: FL

Complaint narrative:
There are 2 accounts appearing on my credit report that are not mine. I have requested copies of any signed contracts or identification used by the person who opened these accounts to prove that it was not me ; but these companies have either been unwilling or incapable of providing the requested information. I can't fathom how any company can just claim to have a debt owed to them with zero proof. It's bad enough, that there are people willing to perpetuate a fraud using someone else 's identity, but then you have companies that help perpetuate that fraudulent activity by not doing their due diligence prior to opening an account and then making matter worse by not providing any proof that a debt is legitimate.

The accounts in question are from a company called Credit Systems International acting on behalf of a utility company called XXXX XXXX XXXX XXXX with an outstanding balance of {$310.00} and the other account is from XXXXXXXX XXXX acting on behalf of XXXX XXXX XXXX, with an outstanding balance of {$550.00}. 

From what I've been able to ascertain, both of these accounts are for utility accounts opened in the state of Texas, which I can confirm I have no connection with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I took out a loan in XXXX of XXXX in the amount of XXXX. I have since then through their online website been making payments of {$150.00} every XXXX weeks. In the month of XXXX of 2024, I reached out via email asking Easy Pay financial leasing to send over a copy of the official payoff amount that was owed. At that point I was told the amount that was owed for payoff amount would be XXXX. It was not till that point that I realized, that I was not informed of how the process works after the 90 days. They had sent me a copy of the contract indicating total amount paid at the end of the contract would be XXXX. In this process I have tried several times to communicate with them through email as to how this process works and have even called through their customer service line but have not gotten the right information as to how things operate. In my most recent request I had asked to have my online account closed due to over payments and miscommunication on how their contract policy works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : - Creditor Name : Mariner Finance ( MARINR FINC / MARINERFIN ) - Disputed Items : XXXX. Inconsistent Account Balances- XXXX reports a balance of {$2900.00}, while XXXX and XXXX report {$2900.00}. 
XXXX. Incorrect XXXX XXXX XXXX - XXXX shows {$2900.00} as past due, which differs from the other bureaus. 
XXXX. Date Closed XXXX - XXXX lists the account as closed on XX/XX/XXXX, but XXXX and XXXX do not show a closed date. 
XXXX. XXXX XXXX Variations - The creditor 's name is listed differently across the bureaus, which XXXX indicate an error. 
XXXX. Last Reported Date Inconsistencies- XXXX lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 
XXXX. Date Opened Discrepancy - XXXX reports the account opened on XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$790.00} ADVANTAGEAU XXXX Balance Owed : {$6400.00} ADVANTAGEAU XXXX XXXX Owed : {$11000.00}

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 2025-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hey, my name is XXXX XXXX, and I have noticed on my consumer report. That I see an auto loan that is not related to me. Which in fact, the consumer reporting agency have violated 15 U.S Code 6802 obligations with respect to disclosures of personal information. I need ( XXXX XXXX XXXX ) deleted immediately and removed from my consumer report. For the law 15 U.S Code 15 1681 cXXXX blockage of information demands that you file an FTC Report XXXX The account must reflect as deleted and removed from my consumer report within 1-3 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-07 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: AZ

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-07 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: Affirm Holdings, Inc
State: IL

Complaint narrative:
I was affected and a victim of the credit data breach with XXXX and XXXX. I have reached out to creditor Affirm and XXXX XXXX XXXX regarding my information has been compromised and fraudulent accounts have been created. I have filed a police report regarding credit fraud requesting for collections, auto repossession and late payments to be removed from my credit report. I have paid collections and credit monitoring services to protect my credit with no success collections, charges off and late payments are still located on my credit. I have upload attachments to prove that I was victim of the data breach and credit fraud filed with police department. I am unable to purchase a car, home, open a credit card or take out an loan to help myself survive due to the data breach and credit fraud. Which has hindered me in my life for success. I need all items to be removed from my credit report to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute an inaccurate account appearing on my credit report. The account details are as follows : Creditor Name : XXXX Bank Account Number XXXX Reason for Dispute : I was never associated with this account. 

I was an authorized user but have since been removed. 

This account is reporting incorrect payment history or balance information. 

The account was previously disputed but remains inaccurate. 

This account is fraudulent or does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be immediately removed or corrected. I base my dispute on the following federal statutory requirements : 15 U.S.C. 1681e ( b ) : Requires that all information reported is accurate and complete.

15 U.S.C. 1681i ( a ) ( 1 ) : Mandates a reasonable investigation when a consumer disputes inaccurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Compels furnishers to report only accurate information.

15 U.S.C. 1681s-2 ( b ) : Requires that furnishers investigate disputes and update or delete inaccurate data.

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information.

15 U.S.C. 1681g : Provides consumers with the right to access and verify the information in their credit files.

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA.

15 U.S.C. 1681o : Establishes liability for negligent noncompliance with FCRA provisions.

15 U.S.C. 1681p : Defines the statute of limitations for FCRA violations.

15 U.S.C. 1681b : Restricts access to consumer reports to parties with a permissible purpose.

15 U.S.C. 1681h : Sets forth the disclosure requirements for credit report information.

15 U.S.C. 1681d : Details the obligations of consumer reporting agencies in handling disputes.

15 U.S.C. 1681j : Requires that consumers receive proper adverse action notifications based on report information.

15 U.S.C. 1681k : Imposes liability for willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute an inaccurate account appearing on my credit report. The account details are as follows : Creditor Name : XXXX Bank Account Number XXXX Reason for Dispute : I was never associated with this account. 

I was an authorized user but have since been removed. 

This account is reporting incorrect payment history or balance information. 

The account was previously disputed but remains inaccurate. 

This account is fraudulent or does not belong to me. 

Under the Fair Credit Reporting Act ( FCRA ), I request that this account be immediately removed or corrected. I base my dispute on the following federal statutory requirements : 15 U.S.C. 1681e ( b ) : Requires that all information reported is accurate and complete.

15 U.S.C. 1681i ( a ) ( 1 ) : Mandates a reasonable investigation when a consumer disputes inaccurate information.

15 U.S.C. 1681i ( a ) ( 5 ) : Obligates the deletion of unverifiable or inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Compels furnishers to report only accurate information.

15 U.S.C. 1681s-2 ( b ) : Requires that furnishers investigate disputes and update or delete inaccurate data.

15 U.S.C. 1681c ( a ) ( 4 ) : Limits the reporting period for negative information.

15 U.S.C. 1681g : Provides consumers with the right to access and verify the information in their credit files.

15 U.S.C. 1681n : Grants consumers the right to sue for willful noncompliance with the FCRA.

15 U.S.C. 1681o : Establishes liability for negligent noncompliance with FCRA provisions.

15 U.S.C. 1681p : Defines the statute of limitations for FCRA violations.

15 U.S.C. 1681b : Restricts access to consumer reports to parties with a permissible purpose.

15 U.S.C. 1681h : Sets forth the disclosure requirements for credit report information.

15 U.S.C. 1681d : Details the obligations of consumer reporting agencies in handling disputes.

15 U.S.C. 1681j : Requires that consumers receive proper adverse action notifications based on report information.

15 U.S.C. 1681k : Imposes liability for willful noncompliance with the FCRA.

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