vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Consumer Rights I am writing to formally dispute the inaccurate information reported on my credit file concerning accounts that have been charged off and subsequently paid through a third-party company. Despite the settlement of these debts, they continue to be reported in a manner that suggests I am still responsible, which is both misleading and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Reporting of Paid Charge-Off Accounts According to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 2 ), 15 U.S. CODE 1681 ( S ) 2, 15 U.S. code 1666, 15 U.S. 1666 ( b ), 15 U.S. code 1692 ( g ), 15 U.S. code1681 ( c ) 2, and 15 U.S.CODE 1681, furnishers of information to credit reporting agencies are obligated to update and correct information that is incomplete or inaccurate. The continued reporting of these accounts as unpaid charge-offs, despite their settlement, constitutes a failure to meet this obligation. This misrepresentation adversely affects my creditworthiness and is a direct violation of federal law. 
XXXX XXXX XXXX XXXX Charged Off XXXX XXXX  XXXX Charged Off XXXX XXXX - Charged Off XXXX XXXX XXXX Charge Off XXXX - Charge Off 2 . Improper Reporting of Late Payments Federal law mandates that a late payment can not be reported to the major credit bureaus until it is at least 30 days past due. Reporting a payment as late before this period violates the FCRA. Additionally, the FCRA requires that information furnished to credit reporting agencies be accurate and complete. Reporting a payment as late when it is not meets the definition of inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Issue Form 1099-C and Continued Collection Efforts The Internal Revenue Service ( IRS ) requires creditors to file Form 1099-C when a debt of {$600.00} or more is canceled. The failure to issue this form, coupled with continued collection efforts or reporting the debt as active, may constitute a violation of IRS regulations and the FCRA. This practice can be deemed deceptive and unfair, infringing upon my rights as a consumer. 

Legal Precedents In XXXX XXXX, XXXX, the bank was ordered to pay nearly {$28.00} XXXX by the U.S. Consumer Financial Protection Bureau ( CFPB ) for misreporting consumer credit data, including inaccuracies related to delinquencies and account statuses. This case underscores the legal imperative for accurate credit reporting and the consequences of failing to adhere to FCRA requirements. 
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 2025-02-12 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: PA

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Consumer Rights I am writing to formally dispute the inaccurate information reported on my credit file concerning accounts that have been charged off and subsequently paid through a third-party company. Despite the settlement of these debts, they continue to be reported in a manner that suggests I am still responsible, which is both misleading and a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

1. Inaccurate Reporting of Paid Charge-Off Accounts According to the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 2 ), 15 U.S. CODE 1681 ( S ) 2, 15 U.S. code 1666, 15 U.S. 1666 ( b ), 15 U.S. code 1692 ( g ), 15 U.S. code1681 ( c ) 2, and 15 U.S.CODE 1681, furnishers of information to credit reporting agencies are obligated to update and correct information that is incomplete or inaccurate. The continued reporting of these accounts as unpaid charge-offs, despite their settlement, constitutes a failure to meet this obligation. This misrepresentation adversely affects my creditworthiness and is a direct violation of federal law. 
XXXX XXXX XXXX XXXX Charged Off XXXX XXXX  XXXX Charged Off XXXX XXXX - Charged Off XXXX XXXX XXXX Charge Off XXXX - Charge Off 2 . Improper Reporting of Late Payments Federal law mandates that a late payment can not be reported to the major credit bureaus until it is at least 30 days past due. Reporting a payment as late before this period violates the FCRA. Additionally, the FCRA requires that information furnished to credit reporting agencies be accurate and complete. Reporting a payment as late when it is not meets the definition of inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Issue Form 1099-C and Continued Collection Efforts The Internal Revenue Service ( IRS ) requires creditors to file Form 1099-C when a debt of {$600.00} or more is canceled. The failure to issue this form, coupled with continued collection efforts or reporting the debt as active, may constitute a violation of IRS regulations and the FCRA. This practice can be deemed deceptive and unfair, infringing upon my rights as a consumer. 

Legal Precedents In XXXX XXXX, XXXX, the bank was ordered to pay nearly {$28.00} XXXX by the U.S. Consumer Financial Protection Bureau ( CFPB ) for misreporting consumer credit data, including inaccuracies related to delinquencies and account statuses. This case underscores the legal imperative for accurate credit reporting and the consequences of failing to adhere to FCRA requirements. 
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 2025-02-12 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: LA

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XXXX - {$5800.00} XXXXXXXX XXXX  XXXX - XXXX - {$6700.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America in XXXX XXXX XXXX ATM ID number XXXX in the hours between XXXX XXXX XXXX XXXX cash ATM machine sole my money and did not count nor deposit the amount to my account machine did not give a receipt I desperately need my my money I ask that you please help me this is all I have

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 2025-02-12 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: NC

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 ( 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 XXXX XXXX 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within XXXX  days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-12 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: TX

Complaint narrative:
Description of the Issue : Incorrect account information/Not reporting correctly On XX/XX/year>, I noticed multiple accounts on my credit report that are reporting inaccurately. These accounts include [ list the accounts or the nature of the inaccuracies, such as incorrect balances, payment history errors, or accounts that do not belong to you ]. 
I have disputed these accounts with the credit reporting agencies on [ insert dates of your disputes ], but the inaccuracies have not been resolved, and the accounts remain on my report. 
Actions I Took : I filed disputes with Equifax, Experian, and TransUnion on XX/XX/year> The issues remain unresolved despite submitting all the necessary documentation to support my disputes. 
I have also contacted [ company names if specific creditors are involved ] to inform them of the discrepancies and request removal, but I have not received a satisfactory response or resolution. 
Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and remove any information that can not be verified as accurate. The failure to remove or correct these inaccurate accounts violates my rights under this law. 
Resolution Sought :

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 2025-02-12 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: TX

Complaint narrative:
Description of the Issue : Incorrect account information/Not reporting correctly On XX/XX/year>, I noticed multiple accounts on my credit report that are reporting inaccurately. These accounts include [ list the accounts or the nature of the inaccuracies, such as incorrect balances, payment history errors, or accounts that do not belong to you ]. 
I have disputed these accounts with the credit reporting agencies on [ insert dates of your disputes ], but the inaccuracies have not been resolved, and the accounts remain on my report. 
Actions I Took : I filed disputes with Equifax, Experian, and TransUnion on XX/XX/year> The issues remain unresolved despite submitting all the necessary documentation to support my disputes. 
I have also contacted [ company names if specific creditors are involved ] to inform them of the discrepancies and request removal, but I have not received a satisfactory response or resolution. 
Legal Violations : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes within 30 days and remove any information that can not be verified as accurate. The failure to remove or correct these inaccurate accounts violates my rights under this law. 
Resolution Sought :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Upon me looking at my consumer report I observed a XXXX party debt collector that I do not know and have never had a contract with, without permissible purpose reporting on my consumer report using different fictious names/spellings that denotes a entirely different entity. After this I received a debt collection letter in the mail. I was not even given a chance to validate the debt which is a violation of my rights as a consumer and it is also identity theft. A tender of payment was issued to the original creditor according to XXXX XXXX, for the complete amount making this debt satisfied. All applicable laws are attached with an affidavit for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from 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 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Deposited XXXX {$1800.00} Deposit slip said it would be available XXXX. On this date i saw on my app a hold was placed with no date of when it would be available. Called and asked they had no answers for me. Told me to call back. I called back on XXXX got the same response. That nobody knows yet.

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 2025-02-12 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: Torriere Holdings INC
State: IL

Complaint narrative:
This is not my Debt I am a victim of identity theft since XXXX I have been trying to resolve this manner with the company and creditor

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted the credit card company 6 months ago to resolve credit accruing more interest making pay off impossible. Amount owed on debt has already be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: MO

Complaint narrative:
I have filed a Misconduct Discharge Application detailing the misconduct associated with XXXX XXXX XXXX which resulted in the class action lawsuit in XXXXXXXX XXXX Dept of Education which I was a class member. My borrower defense application was processed as a result but my private loans still remain associated with fraudulent misconduct by the educational institution. To date, I have yet to receive a response from XXXX other than to acknowledge receipt of the discharge application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear XXXX  I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your 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 non-monetary relief
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Dear XXXX  I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: TN

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement.

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