vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have no rememberance of having this account, i request the company to validated this account with my signature and to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am requesting the immediate removal of all unauthorized accounts and inaccurate information from my credit report. These accounts and records were not authorized by me, and their presence is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). If these inaccuracies are not corrected immediately, I will take further action to ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year> XXXX  XXXX state it I have a potentially negative balance with them of {$400.00}. I am in no contractual agreement with them at all. I have no knowledge of this account. My information was breached by XXXX XXXX XXXX and could be a direct result of the identity theft I experienced a couple years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: PA

Complaint narrative:
On XX/XX/year> XXXX XXXX state it I have a potentially negative balance with them of {$400.00}. I am in no contractual agreement with them at all. I have no knowledge of this account. My information was breached by XXXX XXXX XXXX and could be a direct result of the identity theft I experienced a couple years ago.

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 2025-02-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> XXXX  XXXX state it I have a potentially negative balance with them of {$400.00}. I am in no contractual agreement with them at all. I have no knowledge of this account. My information was breached by XXXX XXXX XXXX and could be a direct result of the identity theft I experienced a couple years ago.

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 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/year> We contacted Chase bank and filed a claim for two checks written to my father from an unknown person that were attempted to be deposited into his account. They were fake checks. The bank saw they were fake checks and for some reason gave someone who was claiming to be XXXX XXXX ( my father ) the money back. This was done somewhere in California. My father has XXXX  and can not travel, we live in oregon. 
After filing the claim, waited a couple of weeks and the money still not returned. On XX/XX/XXXX another phone call to the bank, we were told the money would be in the account on XX/XX/XXXX. Today again called the bank. Today they told us we have to contact the maker of the check. It is a fake check. 
This is the third time they have given away our money. Last time was in XXXX which we still have an outstanding amount of {$1900.00}. That time there were many checks, same instance and always for around the same amount of money. 
Because there were two checks written, both for {$1900.00} they did refund one of them, stating they already refunded that amount. 
We have changed bank accounts several times, added extra security and still, they give it away. in case it is needed, I have a claim number My father is the primary account holder and he is XXXX XXXX XXXX and a veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A charge-off from XXXX was previously removed in XXXX after I fully paid the account. However, it was illegally reinserted on my credit report in XX/XX/XXXX without notification. 

Under FCRA 611 ( a ) ( 5 ) ( B ), a removed negative account can not be re-reported unless I receive written notice within five days. I never received this notice. 

This is a violation of federal law, and I am reporting this to the FTC for further investigation.

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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information EXPERIAN. Please delete the following accounts Account name- DEPT OF ED/XXXX  Account number- XXXX - Account name- DEPT OF ED/XXXX  Account number- XXXX - Account name- Account name Account number- XXXX - Account nameXXXX XXXX XXXX XXXXC Account number- XXXX  - Account name- XXXX XXXX XXXX Account number- XXXX - Account name - XXXX XXXX XXXX Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts Account name- XXXX XXXX XXXX Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX - Account name- Account name Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX  - Account name- XXXX XXXX XXXX Account number- XXXX - Account XXXX - XXXX XXXX XXXX Account number- XXXX - Account name- XXXX XXXX XXXX Account number- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was late on my Sychrony Amazon card and they abruptly closed the account which if was in their t & c was my fault. However, I've recently since XXXX XXXX  have been making payments and they keep reporting my payment late on my credit report which is not true. I even made more than the minimum payment this month. The company is impossible to get a hold of and uses an AI chat bot on their site. I want my credit report to be updated correctly and the company to stop falsely reporting late payments. I believe this is a bullying tactic used by Synchrony to force me to pay the amount in full.

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 2025-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXXXXXX XXXX - XX/XX/2024 XXXXXXXX XXXX  - XX/XX/2024 I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to 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 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate consumer financial protection act ( CFPA ). Specifically, cashapp 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 the 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 2025-02-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Formal Dispute of Inaccurate and Unverifiable Items Under FCRA & FDCPA I recently reviewed my credit report and discovered multiple violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your agency has reported unverifiable, inaccurate, and misleading information, failing to uphold compliance procedures that ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Furthermore, under 15 U.S.C. 1681i ( 5 ), any inaccurate, incomplete, or unverifiable information must be promptly deleted or corrected. If you can not provide verifiable proof within 15 days, you must remove these accounts. The following items require immediate attention : Disputed Accounts and FCRA Violations : XXXX XXXX XXXX Equifax ) - Collection Account ( {$670.00} ) No proof of validation from the original creditor ( 15 U.S.C. 1692g ).

Failure to ensure accuracy under 15 U.S.C. 1681e ( b ). 

XXXX XXXX XXXX ( Experian, Equifax ) - Collection/Charge-off ( {$1600.00} ) Marked as derogatory without proper validation ( 15 U.S.C. 1681s-2 ).

Unverified debt reporting against FCRA compliance. 

XXXX ( XXXX XXXX ) - Collection/Charge-off ( {$630.00} ) Listed with inconsistent reporting dates, violating 15 U.S.C. 1681e ( b ).

Consumer disputes not properly investigated ( 15 U.S.C. 1681i ( a ) ). 

XXXX XXXX ( TransUnion ) - Collection/Charge-off ( {$13000.00} ) Past due balance reported despite being paid, which is misleading ( 15 U.S.C. 1681s-2 ). 

XXXX XXXX ( Experian, Equifax ) - Charge-off ( {$270.00} ) Dispute not properly marked as pending reinvestigation ( 15 U.S.C. 1681i ( a ) ( 2 ) ). 

XXXX XXXX XXXX ( All Bureaus ) - Collection ( {$19000.00} ) Account remains open as derogatory, despite dispute resolution ( 15 U.S.C. 1681i ( 5 ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: IN

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be 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 non-monetary relief
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-07 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 2025-02-07 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: AR

Complaint narrative:
I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. 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. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX shows incorrect date of the account being open shows on Transunion the date of being opened as XX/XX/XXXX XXXX shows open date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX High credit balance is also incorrect Transunion shows XXXX XXXX shows XXXX XXXX shows XXXX last date reported is incorrect as well showing last reported XX/XX/XXXX XXXX shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX Date last active Transunion XXXX XXXX shows date of XX/XX/XXXX XXXX shows dare of XX/XX/XXXX XXXX of last payment is incorrect as well Transunion XX/XX/XXXX XXXX shows a date of XX/XX/XXXX XXXX shows a date of XX/XX/XXXX I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of XXXX XXXX XXXX They also violated XXXX XXXX XXXX ( XXXX ) Can you look into 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