vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Upon reviewing my consumer report from Innovis XXXX XXXX XXXX. I noticed inaccurate and incomplete information. Pursuant to XXXX XXXX XXXX reporting this information is a violation of my right to privacy by reporting non public personal information without my permission or written consent. I am requesting immediate deletion of this data and I formally OPT OUT of any further reporting of such information. The accounts in dispute are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
old reports on my credit file disputed several times about incorrect information and still shows experian XXXX and XXXX still wont comply with any of my request

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 2025-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I placed an order on my macys card in XX/XX/year>. The products were never delivered but I was charged. I have contacted macys and Citibank to resolve this and the charge is still on my account for 8 months now collecting interest. Each time I contact someone they say this will solve my problem and contact me. I have never been contacted and my account is not fixed

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 monetary relief
Consumer complaint received 2025-01-27 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: IN

Complaint narrative:
All hard Inquiries and all collections and charge offs need to be removed from my credit report immediately because it's violating my consumer rights and is inaccurate information 1 XXXXXX/XX/XXXXXXXX 2 XXXX XX/XX/XXXXXXXX 3 XX/XX/XXXX XXXX XXXX 4 XXXX XX/XX/XXXX XXXX 5 XXXX XX/XX/XXXX XXXX 6 XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: 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. 

List of Unauthorized Inquiries : XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX XXXX - XXXX XX/XX/XXXX- XXXX XXXX - XXXXXX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXX/XX/XXXX- XXXX XXXX XXXX - XXXX XX/XX/XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX - XXXX XXXXXX/XX/XXXX XXXX 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 2025-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear American Express, I am writing to address a recent late payment on my account. 

The circumstances led to the late payment or negative item on your credit report. The major impact on my financial protection stems from my being out of work since XX/XX/year>2024 due to a major XX/XX/XXXXXXXX that did not heal completely and caused me to have anotherXX/XX/XXXXXXXX on XX/XX/year>2024. I do not have any financial resources right now. 

I take full responsibility for the late payment. Despite this incident, I have maintained a positive payment history with my credit card. My on-time payments and long-standing relationship I would like to continue because I am working with a company that is going to take my company to the next level. My credit history with you will continue to help me on my journey. 

I assure you that this late payment was an isolated incident. 

Thank you for taking the time to consider my request. I appreciate your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-27 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: NJ

Complaint narrative:
I am filing this complaint because the company, XX/XX/XXXX XX/XX/XXXX, has not properly addressed my dispute regarding a fraudulent account on my credit report. This account was opened on or around XX/XX/XXXX, and I had no knowledge of or involvement in its creation. The account shows a credit limit of {$1000.00} and a high balance of {$950.00}. The last reported activity was XX/XX/XXXX, but Ive never used this account. 

I contacted the company and/or the credit bureaus to dispute this account and requested proof that I had authorized it. To date, I have not received any supporting documents, such as a signed agreement, application, or transaction records, showing that this account belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. Credit reporting agencies and creditors are required to investigate disputes and remove unverifiable or inaccurate information. If the company can not validate this account, they are legally obligated to delete it from my credit report. 

The lack of action fromXX/XX/XXXX has caused harm to my creditworthiness, and I am requesting the immediate removal of this account. I also ask that the company provide a written explanation of the steps theyve taken to investigate and resolve 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
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I am filing this complaint because the company,XX/XX/XXXX XX/XX/XXXX, has not properly addressed my dispute regarding a fraudulent account on my credit report. This account was opened on or around XX/XX/XXXX, and I had no knowledge of or involvement in its creation. The account shows a credit limit of {$1000.00} and a high balance of {$950.00}. The last reported activity was XX/XX/XXXX, but Ive never used this account. 

I contacted the company and/or the credit bureaus to dispute this account and requested proof that I had authorized it. To date, I have not received any supporting documents, such as a signed agreement, application, or transaction records, showing that this account belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. Credit reporting agencies and creditors are required to investigate disputes and remove unverifiable or inaccurate information. If the company can not validate this account, they are legally obligated to delete it from my credit report. 

The lack of action from XX/XX/XXXX has caused harm to my creditworthiness, and I am requesting the immediate removal of this account. I also ask that the company provide a written explanation of the steps theyve taken to investigate and resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NJ

Complaint narrative:
I am filing this complaint because the company,XX/XX/XXXX XX/XX/XXXX has not properly addressed my dispute regarding a fraudulent account on my credit report. This account was opened on or around XX/XX/XXXX, and I had no knowledge of or involvement in its creation. The account shows a credit limit of {$1000.00} and a high balance of {$950.00}. The last reported activity was XX/XX/XXXX, but Ive never used this account. 

I contacted the company and/or the credit bureaus to dispute this account and requested proof that I had authorized it. To date, I have not received any supporting documents, such as a signed agreement, application, or transaction records, showing that this account belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unauthorized information on my credit report. Credit reporting agencies and creditors are required to investigate disputes and remove unverifiable or inaccurate information. If the company can not validate this account, they are legally obligated to delete it from my credit report. 

The lack of action fromXX/XX/XXXXhas caused harm to my creditworthiness, and I am requesting the immediate removal of this account. I also ask that the company provide a written explanation of the steps theyve taken to investigate and resolve 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 explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-27 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: TX

Complaint narrative:
I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the nessasary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
1.The credit bureaus are reporting an {$810.00} debt as a collection account on my credit file, I HAVE NEVER SEEN ANY SUCH BILL! I have learned through the his 5 month battle, that XXXX is XXXX XXXX XXXX, a medical debt collector. Called XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and conjunctively, completed online disputes with XXXX, TransUnion and XXXX. Per XXXX, XX/XX/XXXX, One dispute was completed in XX/XX/XXXX and all others were immediately closed. The reporting continues unchanged and does not reflect it as a medical bill. XXXX XXXX representatives refuse to forward me a copy of the bill as do all the he credit bureaus. 

2. A {$190.00} collection account is being reported by XXXX XXXX. The amount was for a QUOTE as I searched for a new car. The car associated with the quote WAS NEVER purchased ; thus, neither was the insurance!!

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 2025-01-27 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 filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practice, 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 2025-01-27 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:
XX/XX/year>/ Experian XX/XX/year>/ Experian Was contacted on both of these days by phone as well as internet my account has been compromised I cant and or dont have access to my account the provided information is fraudulent, Ive tried to contact a live specialist on numerous occasions to assist me with the matter all my attempts were unsuccessful. 
* Fraudulent Inquiries * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *Fraudulent personal information* Incorrect email address Incorrect address Incorrect phone number

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 2025-01-27 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: IL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not related to any transaction by me the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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