vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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:
After carefully reviewing my credit report, my finding are that my rights as a consumer has been severely violated. upon my review it is reporting I owe a balance on Charged off accounts, I have listed the accounts for your reference- XX/XX/XXXXXXXX showing a balance of {$770.00} reporting as past due, and charge off- Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you have the right to dispute any information on your credit report that you believe is inaccurate or incomplete. If an account is charged off but still shows a balance, you can dispute this with the credit bureaus.

Section 1681i - Procedure in Case of Disputed Accuracy : This section outlines your right to dispute inaccurate information. The credit reporting agency is required to investigate the dispute, usually within 30 days, and correct any inaccuracies found. If they can not verify the information as accurate, they must remove it.

Section 1681s-2 - Responsibilities of Furnishers of Information : Under this section, creditors must report accurate information to the credit bureaus. If the account is charged off, they must report it as such, with a zero balance, unless the debt is sold to a collection agency, in which case the collection agency would report the debt as a separate entry.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Im getting calls from Central Portfolio Control. They claim some how my number is associated with some other individual claiming im In debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am writing to formally express my concerns regarding cashapp handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: VA

Complaint narrative:
I am writing to formally file a complaint against Experian, a major credit reporting agency, regarding their failure to investigate and resolve inaccuracies on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I initially disputed the errors on my Experian credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and despite repeated attempts, Experian has failed to correct the inaccuracies, reinstate deleted items, and ensure that my credit report reflects accurate and up-to-date information. 

In particular, Experian has failed to comply with the following provisions under the FCRA : 15 USC 1681e ( b ) : Experian has not maintained reasonable procedures to ensure the accuracy of the information in my report.

15 USC 1681s-2 : Experian has failed to properly investigate disputes and remove or correct erroneous information.

15 USC 1681i ( 5 ) : Experian has improperly reintegrated erroneous information into my credit report after it was initially deleted.

15 USC 1681c ( c ) : Experian has not removed obsolete or outdated information from my credit report as required.

I would also like to bring to your attention the recent CFPB lawsuit against Experian, which highlights the same issues I have been experiencing with them. The CFPBs legal action specifically addresses Experians failure to properly investigate disputes and reinstate erroneous information, which has caused significant harm to consumers, including myself.

Given the severity of these issues, I respectfully request that the Consumer Financial Protection Bureau investigate my complaint and take appropriate action to ensure Experian complies with the law and corrects 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 explanation
Consumer complaint received 2025-02-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to FIFTH THIRD BANK to formally dispute the accuracy of certain information in my credit report, which I obtained from your agency. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation of these items in questioned. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
APPILED FOR CREDIT GOT DENIED CREDIT WHICH I HAVE THE RIGHT TO CREDIT BY LAW AND I AM QUILFIED FOR CREDIT THEY VERIFIED MY CREDIT SCORE SO WHY WAS I DENIED CREDIT, DISCRIMINATION IS THE RESULT OF THE FAILURE WHICH IS CLIVIL LIABILITY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2025-02-05 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: UT

Complaint narrative:
Experian has violated my rights to a fair investigation of errors on my report. I have disputed the inaccuracy from my report specifically with XXXX XXXXXXXX reporting errors on 30 day late payments. Nothing has been done by Experian. They claim to have updated account but I learned they are innacurately updating the report. for example XX/XX/year> has a 30 day late payment. They updated it to good standing. But move the 30 day late payment to another month that was already in good standing. when I redispute it. They go back to updating the 30 day late payment to XX/XX/year> again. They been doing this for a whole year now. going back and forth putting the 30 day late payment wherever they please. Im tired broke and my family is suffering from paying super high car interest. I cant even refinance because of this carelessness from Experian reporting. I am filing a lawsuit because of the this. I am demanding all late payment updated to paid on time. No more playing games.

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 2025-02-05 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: MN

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 2025-02-05 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: MN

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 non-monetary relief
Consumer complaint received 2025-02-05 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Lender decreases my limit without notifying me of why and showing a late payment all my payments have been paid in full. I started with a XXXX limit later changed to XXXX. This is cause me to have a late payment and inaccurate credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: WA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: HI

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ) USC 1681E. Specifically, I have noticed discrepancies that I believe do not reflect my true credit history and financial standing. 

As per the FCRA, when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information contained in the report. Unfortunately, it appears that this standard has not been met in my case, as the information listed is incorrect. 

The inaccurate items that I have identified on my credit report reviewed on XX/XX/year>. The inaccuracies are as follows : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Department of Education XXXX 
Department of Education Under 15 U.S Code 1681e ( B ) - Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Please remove these items from my credit report immediately. 

Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: HI

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ) USC 1681E. Specifically, I have noticed discrepancies that I believe do not reflect my true credit history and financial standing. 

As per the FCRA, when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information contained in the report. Unfortunately, it appears that this standard has not been met in my case, as the information listed is incorrect. 

The inaccurate items that I have identified on my credit report reviewed on XX/XX/year>. The inaccuracies are as follows : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Department of Education XXXX 
Department of Education Under 15 U.S Code 1681e ( B ) - Accuracy of Report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) - Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Please remove these items from my credit report immediately. 

Thank you for your time and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-02-05 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
APPILED FOR CREDIT GOT DENIED CREDIT WHICH I HAVE THE RIGHT TO CREDIT BY LAW AND I AM QUILFIED FOR CREDIT THEY VERIFIED MY CREDIT SCORE SO WHY WAS I DENIED CREDIT, DISCRIMINATION IS THE RESULT OF THE FAILURE WHICH IS CLIVIL LIABILITY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding, LLC shows due amount. Accounts have been paid and should be deleted as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES' CREDIT UNION
State: MD

Complaint narrative:
My wife recently passed away, I have her notarized will from her that transfers her assets to me. We have several accounts with Boeing Employees Credit Union ( BECU ), and there is one, maybe two that were old and apparently even though we were listed beneficiaries on other accounts, these individual account did not have that as these were very old accounts. BECU locked her account before I could transfer the funds out, I wasn't thinking otherwise I would have transferred out sooner assuming since we have joint accounts this would be no different. Furthermore, I am legally obligated to pay her taxes, and I can not do so without the account information in a 1099 form. My understanding is that a will is a legal document and recognized in the state and not requiring probate. I need access to that information. I am reaching out to your office for assistance as this " policy '' is not law. I have contacted legal assistance already on this matter. WA law where the bank is located states that will is sufficient in this case. See notarized will attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MI

Complaint narrative:
I want reported accounts removed on my credit account I have spent weeks months and letters to all three credit bureaus. I also had to pay for a lock on my Social Security number. My Social Security number has been ran a good 20 times for loans as well as credit cards. There is so many different credit cards on my account that I am not aware of. It has been a long road for me and this is holding me back from a lot in life and I can not get anywhere on fixing this. I filed for bankruptcy five years ago. Nothing should be on my credit. I moved back to the US and my credit is ran down. It should literally have nothing on there but a bankruptcy that is it.

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