vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I am writing to you once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account number XXXX. Despite my previous letters dated XXXX XX/XX/year> and XXXX XX/XX/year>, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score.

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report. Attached are copies of the previous correspondence and any additional documentation necessary for your investigation.

Details of the affected payments are as follows : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the necessary corrections are not made within 15 days of receipt of this letter, I will proceed to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I'm writing regarding equifax block that does not allow me to all my 3 reports please review and make it work again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of fraud on XX/XX/XXXX, there has been a XXXX credit card opened with my name and SSN for {$XXXX} and I was never aware of it until XXXX of XXXX and I contacted XXXX several times to dispute this credit card that I have no affiliation with but they still report as I'm responsible for it please contact XXXX bank and dispute this 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 2025-01-31 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.

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 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact me and my credit. Despite my consistent efforts to resolve this directly with the reporting agency and debt collectors and it remains unresolved. I request immediate investigation and deletion from my credit report as it incorrect and does not reflect accurate data of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Dear reader, The FTC has alerted me on this day that it has been 5 days since the initial receipt of our Identity theft submission. I have followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX data breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NJ

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts that have been opened under my name without my knowledge or consent. These accounts are a result of identity theft, and I became aware of them in XX/XX/year>. Specifically, the account in question is with XXXX Bank ( Account XXXX : XXXX ). I am requesting that the credit reporting agencies ( Experian, TransUnion, and Equifax ) block and delete this fraudulent account in accordance with the Fair Credit Reporting Act ( FCRA ). Additionally, I am invoking my right to legal recourse under 15 U.S.C. 1681n due to the significant damage caused to my financial well-being by this 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 explanation
Consumer complaint received 2025-01-31 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:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX  / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the XXXX XXXX written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report.

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case.

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: CO

Complaint narrative:
I have disputed accounts and continuesly comes back as verified without any reason for it being verified. No due diligence has been done and no updates to my credit report. 
I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681o, credit reporting agencies and furnishers of information are liable for negligent noncompliance. The following item ( s ) on my report are inaccurate and must be corrected immediately :

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 2025-01-31 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.

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 explanation
Consumer complaint received 2025-01-31 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.

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 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 2025-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This company is reporting fraudulent inaccurate information on 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 this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
[ Collection Agency Address ] [ City, State, ZIP Code ] Subject : Formal Dispute & Cease Communication Request Violation of 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am formally disputing the account listed below and requesting its immediate deletion from my credit report under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX. 

Amount : {$XXXX} Under 15 U.S.C. 1692c ( c ) of the FDCPA, I am exercising my right to refuse to pay this alleged debt and demand that you cease all communication with me regarding this account. XXXX XXXX XXXX has a well-documented history of failing to provide proper debt validation before illegally placing accounts on consumers ' credit reports. The company has been sued multiple times for FCRA and FDCPA violations, including for misrepresenting debt ownership and reporting inaccurate information. 

Pursuant to 15 U.S.C. 1692g, I demand that you provide full validation of this debt, including : A signed agreement with my original signature proving my contractual obligation to this debt. 

A full accounting of all charges and payments made toward the alleged debt. 
Proof of your legal authority to collect this debt and report it to the credit bureaus. 
If you can not provide proper validation, per 15 U.S.C. 1681s-2 ( b ), you are required to immediately delete this account from all credit bureaus ( Experian, Equifax, and TransUnion ) and cease all collection activities. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office. 

I expect written confirmation within 30 days that this account has been permanently deleted. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Block, Inc.
State: TX

Complaint narrative:
Was informed of a certain amount to pay every time would send the rate amount would be a different fee. Charge you on this end more than once then I pay those fees then pay fees when they would pick up. So being charged 3 times {$1300.00} XX/XX/year> I have several pleny XXXX {$1000.00} another thing being called by someone to purchase items to say after you pay then you have to pay Cashapp another fee to get items those fees would vary different amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions Equifax consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation this practice violates the fair credit reporting act ( FCRA ) 15 U.S.C 1681i, which mandates a responsible investigation of disputes furthermore equifax 's actions may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File no.2025-CFPB-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked inaccurate XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I filed a dispute on MEDICAL DATA SYSTEMS INC due to the account being inaccurate. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of bettering my family. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC.
State: IL

Complaint narrative:
I believe you should take all the complaints Ive filed and investigate the credit collection company on behalf of XXXX and The XXXX XXXX XXXX. 

The Educational Credit Management Corporation ( ECMC ) is located at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, MN XXXX. Their phone number is ( 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 2025-01-31 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: AL

Complaint narrative:
I am disputing the reporting of my XXXX/DOFED XXXXXXXX loan account reporting on my credit report. This account was sold/transferred, yet it is being reported as a new account, which has negatively affected my credit score. Additionally, the open date is incorrect ( 2017 ), and I never received a legally required transfer notice, violating the 15 U.S.C. 1641 ( g ) ( 1 ) ( TILA ).

Legal Basis for Dispute *15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) requires accurate reporting.

*15 USC 1641i ( a ) ( 1 ) ( A ) requires credit bureaus to investigate and correct errors.

*15 USC 1641 ( g ) ( 1 ) ( TILA ) requires loan servicers to notify borrowers of loan transfers within 30 days. since I never received notice, the verification of this account is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Upstart loan, provided a contract with an electronics signature for a loan for {$1500.00} I did not take out. My ex husband may of done this but I was separated, did not have anyone with power of attorney, I was XXXX XXXX military at the time, and had no knowledge of the loan. Now a layer wants to sue me for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
This is in reference to CareCredt card, issued through Symphony Bank. I was on a deferred interest plan and was not notified by mail or email that the promotion was ending and I was charged over {$700.00} interest on a balance of {$300.00}. I had recently enrolled in the paperless statement to avoid the monthly charge for mailing a statement. I am enrolled in other paperless statements and always get an email when my statement is ready to view online, however when I called to complain about this the customer service representative first told me she checked and I was sent an email, which I did not receive. I then talked to a supervisor and was told they do not notify the cardholder that the promotion is ending, that I should have known to check my account online. I have always paid my bill on this card and paid off a previous promotion before it expired, I was receiving paper statements then. I believe this is an exorbitant amount to charge me when I wasnt even notified the promotion was ending. I paid the amount and closed the account but I feel this was unfair.

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