vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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:
Company Information ( Furnisher of Disputed Information ) Company Name : XXXX XXXX Credit Reporting Agencies Involved : Experian, XXXX XXXX  Details of the Complaint I am filing this complaint regarding inaccurate, misleading, and unverifiable information reported on my credit file by XXXX XXXX and the credit reporting agencies ( Experian, XXXX, and XXXX ). The account in question is a charged-off account ( XXXX ) that is improperly affecting my credit profile and violates multiple federal consumer protection laws. 
1. Fair Credit Reporting Act ( FCRA ) Violations ( XXXX U.S.C. XXXX et seq. ) - Failure to Maintain Accuracy ( FCRA XXXX ( b ) ) - Failure to Properly Investigate ( FCRA XXXX ( b ) ) - Unauthorized Furnishing of Consumer Report Information ( XXXX U.S.C. XXXX, Section XXXX ( a ) ( 2 ) ) 2. Truth in Lending Act ( TILA ) Violation ( XXXX U.S.C. XXXX ) - Billing disputes must be resolved within two billing cycles ( not exceeding 90 days ). 
- This charge-off has remained on my credit report well beyond the legally allowed timeframe. 
3. IRS & Treasury Regulation Violation ( XXXX CFR XXXX1 ) - When a creditor cancels a debt of {$600.00} or more, they must issue a 1099-C Cancellation of Debt form. 
- If this charge-off was reported as a loss for tax purposes, it must be removed from my credit report. 
4. Gramm-Leach-Bliley Act ( GLBA ) Violations ( XXXX U.S.C. XXXX ) - Failure to Protect Consumer Financial Privacy ( XXXX U.S.C. XXXX ). 
- Improper Disclosure of Personal Information ( XXXX U.S.C. XXXX ). 
- Failure to Provide a Privacy Notice ( XXXX U.S.C. XXXX ). 
5. FTC Holder Rule Violations ( XXXX CFR XXXX & XXXX CFR XXXX ) - Preservation of Consumer Defenses ( XXXX CFR XXXX ) prohibits lenders from enforcing payment of a disputed debt. 
- Unfair and Deceptive Collection Practices ( XXXX CFR XXXX ) misrepresenting the legal status of a debt. 
6. Privacy Act of 1974 Violation ( XXXX U.S.C. XXXX ) - Unauthorized sharing of consumer financial records. 
- Failure to demonstrate a valid, legal reason for retaining this data after dispute. 
7. Metro 2 & E-OSCAR Compliance Violations - Failure to correct these errors after a dispute suggests non-compliance with dispute verification requirements. 
8. Misrepresentation of Debt Status ( FDCPA XXXX ) - A charge-off is a Certificate of Indebtedness, meaning it must be removed. 
- The continued reporting of this charge-off is deceptive and misleading.

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 2025-02-11 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX  XXXX XXXX has violated my rights. 


I looked at my transunion Equifax Experian credit report 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 according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX USC XXXX they are suppose to 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 2025-02-11 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: SC

Complaint narrative:
To Whom It May Concern : I am in the process of buying a home and recently had my lender pull my credit reports. I was in absolute shock when I realized that Equifax and/or the Department of Education had duplicated several XXXX XXXX after they were transferred to XXXX. Because of this duplication, the " Valid '' accounts were getting paid every month, but the " Collection '' accounts were not ( see attached. ) This means that on Equifax only, all of my XXXX XXXX first accumulated late payments and then eventually went into a Collection status. The erroneous reporting of these accounts caused my Equifax scores to drop nearly XXXX points!! It is also negatively affecting my debt-to-income as each of the collections is over {$1000.00}. 

Per regulations set forth by the Fair Credit Reporting Act, the Bureaus and all creditors must report with 100 % accuracy. The incorrect reporting has not only caused my Equifax credit score to plummet, but it has cost me literally thousands of dollars in interest for creditors that applied high interest rates, as well as placing in jeopardy the closing of my home. If I do not receive immediate remedy I will exercise any and all legal rights I have to recoup the losses I have endured because of this outrageous error. 

I have attached multiple documents : The first is labeled Collections and these are the erroneous accounts that are reporting. The second is labeled Valid and they are the open accounts that SHOULD be on my credit report. When you compare them the Open dates are the same as well as the original loan amounts. I have also attached a screenshot of XXXX XXXX credit scores to prove that Equifax is the only bureau reporting the derogatory accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency , 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. The fraudulent inquiries I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 effective measures to prevent an 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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I would like to express that I am not disputing at this time, I am merely noting this on the record as I have attempted in the past to receive information and the creditors have not sent it. Please see the attached requests I am making for simple information that the creditors should be able to provide to me without any issues. I expect to receive responses within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I would like to express that I am not disputing at this time, I am merely noting this on the record as I have attempted in the past to receive information and the creditors have not sent it. Please see the attached requests I am making for simple information that the creditors should be able to provide to me without any issues. I expect to receive responses within 30 days.

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 2025-02-11 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: IL

Complaint narrative:
due to the fact that several credit agencies were are being sued for improper reporting I know all the complaint i filed in the pass suffer the same fraudulent activity.

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 2025-02-11 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: IL

Complaint narrative:
due to the fact that several credit agencies were are being sued for improper reporting I know all the complaint i filed in the pass suffer the same fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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. 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 2025-02-11 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. 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 2025-02-11 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: TX

Complaint narrative:
I am formally filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions of supporting documentation, Experian consistently responds within 24 hours stating that the disputed accounts are accurate, without providing any evidence of a thorough investigation. This practice is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding.

I am specifically requesting the removal of the following negative accounts from my credit report, as they are either inaccurate, unverifiable, or improperly reported : XXXX Account number XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX Account number XXXX, XXXX XXXX  Account number XXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXXXXXX XXXX XXXX Account number XXXX, I demand that Experian conduct a proper and lawful investigation into these disputes, provide evidence supporting the accuracy of the reported information, or immediately remove these accounts from my credit file. Failure to comply with these legal obligations may result in further action, including filing complaints with the CFPB, the Federal Trade Commission ( FTC ), and potential legal recourse.

Please confirm receipt of this complaint and provide a written response detailing the steps taken to investigate and resolve these disputes.

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 2025-02-11 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CA

Complaint narrative:
I am writing to dispute inaccuracies on my credit report that I recently reviewed. 
Specically, I found transactions reported that are excluded under the Fair Credit Reporting Act ( FCRA ), XXXX USC XXXXa ( 2 ) ( A ) ( i ). 
As dened by the FCRA, the term " consumer report '' does not include information solely related to transactions or experiences between the consumer and the party providing the report. Such information is excluded unless it directly impacts the consumers creditworthiness or nancial capacity. 
Furthermore, neither FICO scores nor other risk algorithms used to calculate credit scores are considered part of a " consumer report. '' The FCRA denes a consumer report as any communication about a consumers creditworthiness, credit standing, character, or reputation, which is used to determine eligibility for credit, insurance, employment, or other lawful purposes under XXXX USC XXXX. 
In light of this, the reporting of transactions or experiences between myself ( the consumer ) and any company ( the furnisher ) is a violation of the FCRA. The inclusion of FICO or VantageScore data, which are not part of a consumer report, further substantiates that this reporting is inaccurate and unlawful. 
Additionally, I have identied an erroneous late payment on my credit report for the following account, despite my payments being made on time : XXXX XXXX XXXX XXXX XXXX XXXX This late payment charge appears to be a result of either a billing error or a deliberate attempt to impose unjust fees. My payments were made timely and accurately, and this inaccurate reporting has negatively impacted my credit reputation and personal well-being. 
Therefore, I request the immediate removal of the following late payment entry from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX As per XXXX USC XXXXb ( a ), a creditor can not treat a payment on an open-end consumer credit plan as late when the payment is made on time. These erroneous late entries violate this provision. 
I respectfully request that you correct these inaccuracies by removing the fraudulent late payments from my report. Should you fail to do so, I will be forced to take further action to protect my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-02-11 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I never signed up for capital one and someone committed fraud with my identity and they told me I had to wait 90 days for it to come off of my credit report, but It has not yet come off of my credit report and I have not used capital one to open up any credit cards, it dinged my credit score by a XXXX XXXX XXXX and XXXX and all credit bureaus by a few points and was never came off.

Company response to consumer: Closed with non-monetary relief