vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
I looked at my Equifax credit on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 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 15 USC 1681s-2 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-01-22 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: NJ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX ( XXXX ) and their reporting practices concerning a charged-off account. XXXX charged off my account with a balance of {$7000.00} as of XX/XX/year>. Despite the charge-off, AMEX has failed to issue an IRS Form 1099-C, which is required when a debt is canceled, discharged, or written off. 

Under IRS guidelines, creditors are obligated to issue a 1099-C for discharged debt exceeding {$600.00}, as the cancellation of debt constitutes taxable income. Once this form is issued, the debt is considered settled, and creditors are no longer allowed to report the debt as unpaid on consumer credit reports.

Impact on Me : The lack of a 1099-C has created complications in tax preparation and reporting, potentially subjecting me to tax penalties or inaccuracies.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity. my Proof of Address. and my W2 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

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 2025-01-22 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: NV

Complaint narrative:
I have contacted Experian, XXXX, and XXXX multiple times to report theft, but each time they have returned verified reports, which is absurd because the reports they sent were for a XXXX XXXX, and my name is not XXXX XXXX. When I confronted them, my account was locked for reports. Consequently, I sent hard copy forms with my Social Security number and license. I have not received any updates or correspondence. I demand that any accounts associated with my Social Security number be deleted immediately, and that everything be removed from my credit report as the names do not match mine. I want everything corrected and fixed, or I will take legal action, as my lawyers are on standby.

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 2025-01-22 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: CA

Complaint narrative:
I am writing to request specific information regarding the account referenced below. I am not disputing the account ; I am requesting clarification and verification of the following details for my records : Account Information : Account Number : XXXX Account Type : Credit Card Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account. 
I kindly request that you provide this information at your earliest convenience. This will assist me in understanding the status and history of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request specific information regarding the account referenced below. I am not disputing the account ; I am requesting clarification and verification of the following details for my records : Account Information : Account Number : XXXX Account Type : Credit Card Requested Information : The date of first delinquency on this account. 
The date of last payment made on this account. 
The date of charge-off, if applicable, for this account. 
I kindly request that you provide this information at your earliest convenience. This will assist me in understanding the status and history of the account.

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 2025-01-22 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: LA

Complaint narrative:
I have discovered a unauthorized account on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-01-22 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: NJ

Complaint narrative:
Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate.The fraudulent information on my credit report includes the following : XXXX XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
have constantly called and called and Ive done everything I needed to do on my end and my part to ensure that I get the refund back for the money orders that were supposedly stolen out of an addressed mailbox for my old property manager this has been an ongoing thing for 7 MONTHS NOW! I have called and spoke with a MILLION REPRESENTATIVES and got a million and one case numbers!! I have spoken with supervisors! I have got all evidence and paperwork filled out notarized and kept a paper trail of my WHOLE process!! Im spending money after money to get this issue resolved and still havent been refunded my {$1700.00} dollars! That I got EVICTED FOR TAKING to court and a property manager stating that she hasnt received payment from these EXACT MONEY ORDERS THAT I PUT A STOP AND CANCELLATION FOR!!!! I FILLED OUT the necessary information to get these money orders STOPPED and cancelled the NEXT DAY XX/XX/year>, after I purchased them on the XXXX of XX/XX/year> so HOW WERE THEY STILL even allowed to be cashed when the money orders should have been FLAGGED OR STOPPED!!! Because they were allowed to be cashed TWO WEEKS AFTER THEY WERE REPORTED STOLEN/MISSING to western union ! ! I have spoken with EVERYBODY at western union and NONE of them are all on the same page with NOTHING!! One person tells me one thing and the next 15 people tell me something else!! Now they are sending me back letters to get the PAYEE to fill out an affidavit when me and her NO LONGER HAVE CONTACT!!! We have had to see each other in court on top of me losing a place for me and my kids to call home when I have followed every protocol to get this money back!!! Now this is affecting MY CREDIT because shes saying that she never received payment!! they have guys the CASHED MONEY ORDER receipt and see there was NO ALTERATIONS ON THE MONEY ORDER THEN EVIDENTLY, THEY WERE CASHED from someone who works at the old property why would I take some paperwork to a FRAUD and have her fill anything out when she doesnt even want to work with me! Im sure before the money orders were cashed the person who cashed them HAD TO PRESENT an id!!! I have done everything on my part and still havent received ANYTHING!!! Western union have FAILED me as a customer and are not working on my side in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

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 explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
Experian, i have sent many dispute letters to them about accounts that have been charged off and still showing a balance. When some accounts have XXXX and others they will not change the balance. This is inaccurate information. I did not give them the consent to keep incorrect information on my credit report. Also there are two collections in which i have disputed and those companies can not provide the bill of sale where they purchased my alleged debt. My privacy has been compromised and these transactions are not to be disclosed. They never told me what they did to verify any dispute.

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 2025-01-22 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: NC

Complaint narrative:
XXXX I am writing to formally dispute inaccurate and unverifiable information on my XXXX credit report, which violates the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of the following : Hard inquiries for which no credit or service was extended : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute XXXX. Hard Inquiries Under the FCRA ( 604 ), consumer reporting agencies are permitted to include hard inquiries only if they meet a permissible purpose. Since these inquiries did not result in the extension of credit, they lack a legitimate basis to remain on my report. The Consumer Financial Protection Bureaus ( CFPB ) recent enforcement action against XXXX underscores the need for compliance in verifying the legitimacy and purpose of information furnished on consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
To Whom it May Concern, This Letter is a formal complaint that you are reporting inaccurate and incomplete credit information, I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years of employment purposes. 

Additionally, please provide the name, address, and telephone number of each grantor or other subscriber. Under Federal Law, you have 30 days to complete your re-investigation.

Be advised that the description of the proc
edure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Once I sent the company TSI ( Transworld Systems Inc. ) the certified letter to show proof with the 1099 C form that the information on my credit is true they did not responded. They have not done anything since XX/XX/year>. This information needs to be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) Dear XXXX, I am writing to formally dispute the claim of civil liability for negligence referenced as 1681 0. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX via XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely,

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 2025-01-22 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX, on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AL

Complaint narrative:
Company quickly verified disputed information on my credit report without proper research and documentation of its accuracy

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 2025-01-22 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: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if the is actually an account that belongs to me.

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 2025-01-22 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: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if the is actually an account that belongs to me.

Company response to consumer: Closed with explanation