vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Negligence and Non-Compliance in Credit Reporting To Whom It May Concern, I am writing to formally dispute XXXX  failure to meet its legal obligations regarding my credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), XXXX has failed to provide accurate, fair, and timely service in maintaining and correcting my credit report. This negligence has caused undue harm, and I am requesting immediate corrective action. 

The specific issues include : 1. Failure to ensure accurate credit reporting [ Describe any inaccuracies on your report, such as incorrect accounts, fraudulent activity, or outdated information. ] 2. Failure to properly investigate disputes [ If you have previously disputed errors, explain how XXXX failed to resolve them within the legally required timeframe. ] 3. Failure to comply with legal obligations XXXX is required under the FCRA to investigate and correct disputed items within 30 days. The lack of action on your part constitutes non-compliance with federal law. 
Due to these failures, I am demanding the following : A full investigation into the disputed inaccuracies on my credit report.

Immediate correction and removal of all erroneous information.

Written confirmation that these errors have been addressed. 
A formal explanation of why XXXX has failed to meet its legal obligations in handling my credit information. 

If XXXX does not take corrective action within 30 days of receiving this letter, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by your negligence. 

Please respond to this dispute promptly in writing to the address provided above. I expect a resolution that aligns with XXXX legal responsibilities. 

Sincerely, 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 2025-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have been having issues since XX/XX/year> with Ally Bank in properly applying payments to my account. They either misapply or apply partial payment, sometimes reallocating to lates fees that they were supposed to remove because they failed in agreeing to allow me to skip a payment in XXXX XXXX. Sometimes they state they never received a payment even though I have my bank records and Ally 's print out showing I made the payments. I have another auto loan w/ XXXX XXXX XXXX and have no issues at all. They apply my payments properly even if I make them early. I've had car loans most of my life and never have experienced this level of frustration in trying to give someone money. Because of their continued ineptitude they also report to credit agencies that I'm late but am not. Over the years I've talked to their first line customer service, to supervisors to no avail. I've asked for escalation but was told they couldn't escalate. I need this issued resolved, for I can not continue to take my time each month to solve their issues. This has been a huge waste of my time and money.

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: Sunbit, Inc.
State: OH

Complaint narrative:
I have been trying to get this COLLECTION/CHARGEOFF off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX  XXXX auto on XX/XX/XXXX, a XXXX  XXXX card on XX/XX/XXXX, a XXXX XXXX/ XXXX XXXX on XX/XX/XXXX, an XXXX acct. on XXXX XXXX, XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX and all addresses that are inaccurate. that appears related to the aforementioned hard inquiries account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC report. aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX  XXXX auto on XX/XX/XXXX, a XXXX XXXXXXXX card on XX/XX/XXXX, a XXXX XXXX/ XXXX XXXX on XX/XX/XXXX, an XXXX acct. on XXXX XXXX, XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX and all addresses that are inaccurate. that appears related to the aforementioned hard inquiries account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC report. aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-01-27 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The information reporting to my consumer report is fraudulent and inaccurate XXXX XXXX  XXXX and inquiries from XXXX XXXX and XXXX XXXX.Pkease block or remove these accounts from my consumer report.15 U.S.C 1681i ( a ) 1 challenges the XXXX  day response time.15 U.S.C 1681i ( a ) 6 ( b ) 3 challenges investigation protocol.

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: 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 formally dispute the negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting incorrect information on my credit report & the failure to investigate these disputes, and failure to correct inaccuracies after notice As a consumer, I am entitled to accurate information on my credit report and to be informed of any updates or changes. However, despite my prior communication and dispute filed on [ date of previous dispute ], the issue has not been resolved within the required timeframes, and the incorrect information still appears on my credit file. This failure to properly investigate or correct the information is a violation of the FCRA. 

Pursuant to FCRA Section 1681o, I believe I am entitled to damages for the harm caused by your failure to comply with the statutory obligations of investigating and correcting the erroneous information. This negligence has resulted in damage to credit score & denial of credit. 

I demand that this matter be rectified promptly. Specifically, I request that : 1. The incorrect information be investigated and removed from credit report.

2. A full written explanation of your findings be provided.

3. Any and all reports reflecting the incorrect data be updated.

I expect this matter to be resolved in accordance with FCRA guidelines and within the required XXXX timeframe. 

Please confirm receipt of this letter and the actions you will be taking. I look forward to your prompt response. 

Sincerely, 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: 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: GA

Complaint narrative:
I am writing to formally dispute the negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting incorrect information on my credit report & the failure to investigate these disputes, and failure to correct inaccuracies after notice As a consumer, I am entitled to accurate information on my credit report and to be informed of any updates or changes. However, despite my prior communication and dispute filed on [ date of previous dispute ], the issue has not been resolved within the required timeframes, and the incorrect information still appears on my credit file. This failure to properly investigate or correct the information is a violation of the FCRA. 

Pursuant to FCRA Section 1681o, I believe I am entitled to damages for the harm caused by your failure to comply with the statutory obligations of investigating and correcting the erroneous information. This negligence has resulted in damage to XXXX XXXX & denial of credit. 

I demand that this matter be rectified promptly. Specifically, I request that : 1. The incorrect information be investigated and removed from credit report.

2. A full written explanation of your findings be provided.

3. Any and all reports reflecting the incorrect data be updated.

I expect this matter to be resolved in accordance with FCRA guidelines and within the required XXXX timeframe. 

Please confirm receipt of this letter and the actions you will be taking. I look forward to your prompt response. 

Sincerely, 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 2025-01-27 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: NV

Complaint narrative:
Experian 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-28 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: SC

Complaint narrative:
Equifax showing incorrect payment data for XXXX XXXX. Stating I have 22 late payments and I only had 3.

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: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I received a 1099-K from Block , Inc for transaction in tax year XXXX totaling {$6100.00}. I have never used cash app and this 1099K was fraudulent. I am trying to clear this from my income so I am not penalized by the IRS. Block was not helpful in provided a XXXX out 1099-K and suggested that I file an identify theft affidavit with IRS. Others are in the same boat with the company. Block needs to change their practices so that these scams can not continue to occur.

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: VA

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 non-monetary relief
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Conducting sham investigations failed to property address consumer dispute improper reinvestigation and accurate consumer report stopping me from getting equity loan credit cards and business funding and I would like compensation reimbursement and we added to the lawsuit settlement they went past the 30 days and at some points I did not hear back from them Experian XXXX and 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 2025-01-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX XXXX on XX/XX/XXXX, an XXXX acct. on XXXX XXXX, XXXX, personal loan account opened at XXXX XXXX on XX/XX/XXXX, a XXXX XXXX XXXX on XX/XX/XXXX. Employment XXXX XXXX XXXX and all addresses that are inaccurate. that appears related to the aforementioned hard inquiries account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC report. aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 the email address 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 2025-01-28 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: SC

Complaint narrative:
After reviewing My credit report I noticed their are fraudulent accounts listed on my credit report. The fraudulent accounts have caused damage to my reports. Please remove the fraudulent accounts as they are hurting my ability to obtain new credit. My data has also been leaked in the XXXX data breach.

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 2025-01-28 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:
After reviewing My credit report I noticed their are fraudulent accounts listed on my credit report. The fraudulent accounts have caused damage to my reports. Please remove the fraudulent accounts as they are hurting my ability to obtain new credit. My data has also been leaked in the XXXX data breach.

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: DISCOVER BANK
State: OH

Complaint narrative:
I have been trying to get this Derogatory off my credit report. I have sent in disputes and nothing has been done. I have sent in proof that I myself am the one submitting the request to have this removed. I have filled for a full file disclosure and never received it.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was impacted by the XXXX XXXX XXXX and noticed several Inquiries I didn't authorize.

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