vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: CA

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 2025-01-30 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: DE

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-00002 ) against XXXX for similar violations . I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-30 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: IL

Complaint narrative:
I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX  - {$270.00} XXXX XXXX XXXX XXXX {$1400.00XXXX XXXX XXXX XXXX - {$300.00} XXXXXXXX XXXX XXXX XXXX {$300.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MD

Complaint narrative:
Re : Urgent Request for Immediate Removal of Fraudulent Account Account : XXXX XXXX XXXX Dear Experian, I am writing to formally address the ongoing issue regarding the XXXX account ( account # XXXX ) that is inaccurately reported on my credit report. Despite multiple letters and requests for further information, this account continues to be listed as mine. I have made several attempts to resolve this matter directly with both your agency and the company in question, including disputes through the Consumer Financial Protection Bureau ( CFPB ). However, the investigation into this matter has now extended well beyond the 30-day period allowed by the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, credit reporting agencies are legally obligated to investigate disputed information within 30 days. It is now evident that this timeline has not been honored, and I am requesting immediate action in accordance with the law. The ongoing presence of this account on my credit report is having a significant, negative impact on my financial well-being. As I have previously stated, this account is not mine and I do not owe any debt associated with it. The consequences of this inaccuracy are severely affecting my economic status and causing undue stress for my family.

I request that you promptly remove the XXXX account ( account # XXXX ) from my credit report as I do not own any debt associated with it. If you fail to resolve this matter in compliance with the FCRA, I will have no choice but to take further action. 

Please confirm the immediate removal of this account and provide me with an updated copy of my credit report reflecting this change.

Thank you for your attention to this urgent matter.

Enclosed : ID, FTC report, bank statement ( address verification ), and previous CFPB report 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 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
I was overcharged on XX/XX/year> by XXXX {$15.00} I usually only pay {$10.00} for the ride to XXXX XXXX XXXX but the driver missed the exit for XXXX XXXX XXXX and proceeded to take me to XXXX XXXX XXXX which is much further than what I normally go so of course they charge me extra but it was her mistake not mine and I did not tell her to go to the next subway station she took it upon herself to do this and I tried to dispute the charges but was not able to get a live person on the phone to assist me with this so I gave up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
My Lexisnexis clue report is incorrect. It is showing that I am at fault for 2 accidents in 2022. First on XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) and second on XXXX ( fXXXX XXXX XXXX XXXX  ) . My insurance company ( XXXX XXXX ) at the time shows that neither of these are at fault by me. So who is reporting this and how can o get it changed? Please let me know how you can help.

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
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 requirement
s under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
MADE PAYMENT ON TIME AND WITH IN GRACE PERIOD, APPLIED ADDITIONAL PAYMENT FOR UPCOMING MONTH WHICH WAS NOT APPLIED TO

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
MADE PAYMENT ON TIME AND WITH IN GRACE PERIOD, APPLIED ADDITIONAL PAYMENT FOR UPCOMING MONTH WHICH WAS NOT APPLIED TO

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I hope this letter finds you well. I am writing to provide a clear explanation regarding a recent late payment reflected on my credit report. My intention is to clarify the sequence of events that led to this issue, which does not accurately represent my usual payment habits.

Several days before my payment due date, I attempted to make the required payment through the standard online portal. During this process, I encountered unexpected technical difficulties. Specifically, the system repeatedly displayed error messages and would not accept my payment, even though I verified that my banking information was correct and that sufficient funds were available.

Concerned about resolving the matter promptly, I made multiple attempts on subsequent days to complete the payment via both the website and a mobile application. Unfortunately, these efforts failed for the same technical reasons, and I was unable to process the transaction in a timely manner. I also reached out to customer service for guidance, but the delays continued due to the ongoing technical glitch.

By the time the issue was finally resolved, the payment posted past the due date, causing a negative mark on my credit record. I want to stress that this late payment does not reflect my typical financial responsibility. I consistently pay my balances on or before the due date and have maintained a positive history of meeting my obligations. This isolated event resulted solely from technical issues beyond my control, despite my diligent efforts to remedy the situation as quickly as possible.

Thank you for reviewing this explanation. I appreciate your understanding of the circumstances and your assistance in correcting or removing the late payment entry, which I believe inaccurately represents my normal creditworthiness. If any additional information or documentation is required, I am prepared to provide it. I value my relationship with your organization and hope we can reach a fair resolution.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Collection Account Information Dear XXXX, I am writing to formally dispute inaccurate information on my credit report. The specific account in question is : Creditor Name : Transworld System IncXXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance Reported : {$1500.00} Status : Collection Account Upon reviewing my credit report, I identified a factual inconsistency that requires correction : 1.Impossible Date of Account Opening : The report states that this collection account was opened on XX/XX/XXXX, yet it is already being reported as a collection account in XXXX and XX/XX/XXXX, and XX/XX/XXXX. This is a clear logical erroran account can not enter collections before it even exists. This suggests incorrect reporting or re-aging of the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ).

2.Potentially Inaccurate Reporting Timeline : If the debt was indeed placed into collections, the status update dates and payment history should reflect accurate and consistent reporting. The timeline currently displayed on my credit report does not make sense, and this could be unfairly extending the time this negative account remains on my credit file.

These inaccuracies negatively impact my credit and must be corrected immediately. I requested that XXXX investigate this account, and if the creditor can not provide accurate and verifiable records, the account should either be corrected or removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
To Whom it May Concern : I am submitting this complaint regarding XXXX XXXX and XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. I am also a verified victim of the XXXX Data Breach. Despite providing evidence to support my claims, XXXX, XXXX, and XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

The inaccurate and unowned account in question are as follows : XXXX XXXX XXXX XXXX XXXX reference XXXX XXXX XXXX balance {$330.00} I have submitted proof of mailing dispute that I sent directly to this creditor and uploaded that letter and credit bureau report discrepancies on their portals as proof that the information is either inaccurate or unverifiable. However, they have either failed to verify the information properly and has not given any response explaining their investigation process or have shown any correction to their errors.

This failure to conduct a reasonable investigation has caused harm to my credit score and financial wellbeing, effecting my ability to ( get approved for credit, loans, housing, etc. ).

I am requesting the following actions from XXXX, XXXX, and XXXX through the CFPB : 1. Conduct a proper and thorough investigation in the actions Ive disputed.

2. Provide me with a detailed explanation of the steps theyve taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately.

I am attaching all relevant documents, including dispute letters, and supporting evidence, to this complaint for your review. I have disputed this via XXXX XXXX XXXX in XX/XX/year>, Radius Global Solutions, and XXXX XXXX XXXX Each time I disputed them directly through the companies they never responded to my dispute request and just sold my account. I then went online in XX/XX/year> to XXXX XXXX, and XXXX portals and uploaded my proof of prior disputes and heard nothing regarding that dispute. I then saw that the account had been sold again and was appearing on my credit bureau reports in The Fall of 2024. I never heard anything back on my disputes that this is not my account neither from the individual collection agencies nor the reporting bureaus.

Thank you for your assistance in addressing this matter and ensuring that all bureaus comply with federal laws to protect consumers like me. 
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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-01-30 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: FL

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 explanation
Consumer complaint received 2025-01-30 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: FL

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 2025-01-30 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: PA

Complaint narrative:
Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within 15 days. Enclosed are the relevant documents for your review and reference.

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 2025-01-30 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-01-30 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: NJ

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 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