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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. 
XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX Balance {$11000.00}

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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
account was chargred off and company wrote it off on there taxes and sent out a 1099c. this acount should not be on my credit report this is fraud

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dispute of Reinserted Accounts Request for Immediate Removal I am writing to formally dispute the unauthorized reinsertion of accounts on my credit report. On XXXX XXXX XXXX, the following accounts were successfully deleted from my credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  However, on XXXX XXXX XXXX, these accounts were improperly reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). As per the FCRA, if a previously deleted account is reinserted, the credit bureau is required to provide written notice within five business days, along with certification from the data furnisher verifying the accuracy of the information. I have not received any such notification or certification. 

Since these accounts were already removed after an initial investigation, I am requesting their immediate deletion from my credit report. Please provide a written response confirming the removal of these accounts and ensure compliance with federal regulations. 

Enclosed are copies of my previous dispute results indicating the deletions, along with a copy of my identification for verification purposes. I expect a response within the legally required timeframe of 30 days. 

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 2025-01-30 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am filing a complaint against 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 thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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

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: CA

Complaint narrative:
On my credit report. 
All of my balances or incorrect with Equifax, and XXXX and also XXXX i have over 12 disputes. This is a very serious situation that needs to be addressed. Or one of my accounts with XXXX account number # XXXX they have the account as a market. When it is not a mortgage, it is a resort. They also have it XXXX open. When the account been closed sense XXXX i don't owe no money on this account. This is with Equifax. All of my credit cards are paid up.Equifax saying I i have a balance this is not the case, I have no balance. 
My whole credit report needs to be highly examined with extreme correctness i can go on and on and on i need help expedition my credit score I know it's wrong. Please get back with me with all corrections. Your service would be highly appreciated, thank you for your time and concern XXXX XXXX XXXXXXXX XXXX XXXX XXXX...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank and I had been good partners they had a credit line and a card that were both reasonable and acceptable and their scope. And I always paid my bills on time. But they still without notice chose to close my credit card account leaving me in a tough financial situation. When customer support was contacted several agents refused to tell me the reason why they close my account, claim did not have access to that information. I find these claims to be incredulous, and unprofessional and it's weird that a bank wouldn't have information about account closures if they were the ones that have closed 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 2025-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: AL

Complaint narrative:
in accordance with the Fair Credit Reporing Act this creditor has violated my rights under 15 Usc 1681 section 6o2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt nor therefore any such debt in fact exists|

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
My personal information has some how been compromised which has led to fraudulent accounts being listed on my credit report by the CRAs. This issue has been brought to my attention as of XXXX XXXX XXXX5. Ive followed up by declaring identity theft. I would like these accounts completely removed from all three bureaus on my credit reports.

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: TX

Complaint narrative:
I mailed letters on XX/XX/XXXXXXXX XXXX  to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXX XXXX  XXXX acct # XXXX ) for an inaccuracy ( date last paid is incorrect on the 3 reports... XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on TransUnion ). I di not receive a response, no deletions. The FCRA states all data on reports must be 100 % accurate. 

I mailed letters on XX/XX/XXXX to all 3 credit bureaus asking that they delete the account for XXXX XXXX XXXXXXXX XXXX XXXX acct # XXXX ) for inaccuracies ( late payments state ok for XX/XX/XXXX on TransUnion, 120 days late for XX/XX/XXXX ; 30 days late on XXXX for XX/XX/XXXX XXXX Charged off for XX/XX/XXXX in XXXX. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX  D.O.B. 
XXXX - SSN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please delete this account for inaccuracy because the date last paid report as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on TransUnion. Please see exhibit : A ( attached ). 

Please send me a new credit report reflecting the removal of this account. 

Sincerely, XXXX XXXX Exhibit : A

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy in my Credit report, and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank 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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute Regarding Unjustified Closure of Credit Card Account Dear Navy Federal Credit Union , I am writing to formally dispute the closure of my CASH REWARDS account ( Account No. XXXX ) following an agreed-upon pause of payments. Based on my understanding of our agreement, Navy Federal granted a one-year payment pause with the expectation that I would continue to pay the outstanding balance without the risk of account closure. However, despite my compliance with the agreed-upon terms, my account was closed without notice or justification. 

This action is in direct violation of our agreement and may also constitute unfair and deceptive practices under federal and state consumer protection laws. Specifically : 1. Breach of Contract By agreeing to pause payments for one year while I continued to pay down the balance, Navy Federal entered into a binding agreement. The premature closure of my account, despite my adherence to the terms, may constitute a breach of that agreement. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ) Under the FCRA, lenders must provide accurate and fair reporting of credit information. Closing my account under these circumstances could negatively impact my credit standing unfairly. Additionally, under the ECOA, creditors must provide notice and reasoning for adverse actions taken against a consumers account ( 15 U.S.C. 1691 ).

3. Unfair and Deceptive Acts and Practices ( UDAP ) Potential Violation of the Consumer Financial Protection Bureau ( CFPB ) Guidelines Closing an account after promising a one-year payment pause and continued balance repayment may be considered an unfair or deceptive practice under federal and state UDAP statutes. If such an agreement was made in good faith, then the unilateral account closure appears to be misleading and harmful to the consumer. 
I request the following corrective actions : 1. Immediate reinstatement of my credit card account under the original terms of our agreement.

2. A written explanation of why my account was closed despite our agreement.

3. Assurance that my credit report reflects accurate and fair information regarding this account closure. 

Please respond to this dispute within 30 days, per federal consumer protection guidelines. If this matter is not resolved satisfactorily, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the National Credit Union Administration ( NCUA ), and other appropriate regulatory agencies. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: MI

Complaint narrative:
I received a letter in the mail about my information being linked in a data breach but im just noticing this issue.

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: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
XXXXXXXX XXXX website is now showing shut down and or unable to submit my request to dispute wrong information and or negative items on my report.The first contact was XX/XX/year>

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: Kikoff Inc.
State: MI

Complaint narrative:
To whom it may concern, I am filing a formal complaint against Kickoff regarding the improper reopening of my account after it was paid off and closed. I had fully paid off the account and was under the impression that it was closed, as indicated by the account status at the time. However, I recently discovered that the account was reopened, and this action has significantly impacted my credit score.

The information Kickoff is reporting is incorrect. My account was marked as a " profit and loss write-off '' at one point, but I never requested for it to be reopened. Additionally, I never re-opened the account after paying it off and closing it. I reached out to Kickoff for clarification, but they were unable to provide any details regarding how the account was reopened. They also stated that they would not remove the account from my credit report, leaving the incorrect information to continue negatively impacting my credit. 

The inaccurate reporting of this reopened account has caused a significant drop in my credit score, which is causing me financial harm. I have been unable to get a resolution directly from Kickoff, and I am seeking assistance from the CFPB to ensure that this erroneous information is removed from my credit report and that the account status is corrected. 

I respectfully request an investigation into this matter and the removal of the inaccurate information from my credit report. I also ask that Kickoff be held accountable for failing to correct this issue or provide any explanation regarding the reopening of my account. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Best Regards, XXXX XXXX

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Called Experian XXXX XXXX XXXX on the XXXXXXXX XXXX XXXX 
Stating I had changed my phone #, Email and address..in the last few months, couldn't use the app, when I tried to update it was a hassle... so on the XXXX XXXX XXXX XXXX XXXX Experian Ordered a New card on XXXX after 2 days of dealing with in competent people my cards otw ... or not?? 
Well much to my sadness and anger after calling 3 times just to double check was assured my cards otw ... after 10 days of waiting for card, no food, landlord is Mad he wants his money I get a agent @ Experian that said u don't have a card otw... there was none ordered... in Dismay and Panic, oh yea ..I'ma XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks Experian.. 
So on the XXXX XXXX They ordered me a card well I got it the XXXX of same month, thank God... well go through the activation and the card is all set ... great says " Ur card is activated '' the recording on the phone says this..Go to atm to get my rent money and get outta the cold... says DENIED contact ur bank ... yea that's a joke ... after 4 calls to Experian to fix this XXXX agent says card was ordered on XXXXXXXX XXXX.. I DID NOT ORDER ANOTHER CARD ... I HAD ONE... Needless to say the last card don't work plz helpXXXX 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