vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : XXXX, Account name : XXXX, has violated my rights. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
" To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a few credit inquiries by your company. One was on the XXXX of XX/XX/XXXX, the second one down the list is an inquiry on XX/XX/XXXX of XXXX that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless you have a permissible purpose per FCRA Section 604. You have no permissible purpose so please have this inquiry removed from my credit file immediately.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this along with your certification to the bureaus that certifies your permissible purpose.

Otherwise, please note that I am reserving the right to take civil action if necessary. 
" I sent a letter containing the above text to the address shown on the credit inquiry entry on XXXX XXXX using certified mail. The letter got there on XXXX XXXX, It is now XX/XX/XXXX and I have not received any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
" To Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company on XX/XX/year>, that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless you have a permissible purpose per FCRA Section 604. You have no permissible purpose so please have this inquiry removed from my credit file immediately.

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this along with your certification to the bureaus that certifies your permissible purpose. 
Otherwise, please note that I am reserving the right to take civil action if necessary. '' The address listed on the entry is likely a bad address as I sent a certified letter there on XXXX XXXX, it was available for pickup on XXXX XXXX, and still hasnt been picked up. It is my understanding that you have reported false information on my credit file and its costing me time and money to get these things sorted out. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't recognize these inquiries, i asked credit bureaus to remove them but they didn't remove them, i am providing identity theft report which ill attach, and I am requesting to remove them because they are inaccurate and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
Equifax has failed to fulfill its legal obligations 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 Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NY

Complaint narrative:
To : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX  XXXX which has been assigned to XXXXo XXXX XXXX XXXX XXXX ). I am not liable for this debt, and I do not have a contractual agreement with XXXX XXXX XXXX authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation XXXX must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX  lawfully transferred or sold this debt to XXXX. 
XXXX XXXX XXXX If this debt has been reported to the credit bureaus, I demand its removal if it can not be validated. 
Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

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 2025-02-23 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:
To : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX  XXXX which has been assigned to Portfolio XXXX XXXX XXXX XXXX ). I am not liable for this debt, and I do not have a contractual agreement with XXXX XXXX XXXX authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation XXXX must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX  lawfully transferred or sold this debt to XXXX. 
XXXX XXXX XXXX XXXX this debt has been reported to the credit bureaus, I demand its removal if it can not be validated. 
Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX ( {$5000.00} ) XXXX XXXX XXXX XX/XX/XXXX {$11000.00} I HAVE BEEN TRYING TO FIX MY CREDIT, I SENT OUT MULTIPLE LETTERS TO EXPERIAN BUT THEY ARE NOT COMPLYING WITH 15 USC 1681e ( b ) ,15USC 1681i ( 5 ) 15USC 1681c THIS ISSUE HAS SIGNIFICANTLY IMPACTED MY ABILITY TO ACCESS CREDIT, HOUSING, AND EMPLOYMENT OPPORTUNITIES, CAUSING ME FINANCIAL AND EMOTIONAL DISTRESS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: SC

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Dear Veros Credit, I am writing to address an issue with my credit report concerning an account that was written off as a bad debt by your company. It has come to my attention that I did not receive a Form 1099-C for the cancellation of this debt, which is necessary for my tax records. The absence of this form means the information reported is incorrect, affecting my financial standing.

According to 15 U.S. Code 1692d ( 2 ) and 15 U.S. Code 1681b ( a ) ( 2 ), I am entitled to accurate reporting and the ability to claim the canceled debt as a loss. The failure to provide the necessary documentation not only impacts my credit report but also my tax filings.

I kindly request that you : 1. Immediately issue the Form 1099-C for the canceled debt.

2. Correct the information on my credit report to reflect this cancellation accurately.

3. Confirm in writing that these actions have been taken.

If these issues are not resolved promptly, I will have no choice but to report this matter to the IRS and consider legal action to protect my rights.

I trust that you will address this matter with the urgency it deserves. Please contact me at your earliest convenience to confirm the steps you are taking to resolve this issue. 

Thank you for your prompt attention to this matter. 

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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX an unauthorized charge of {$19.00} was charged to my debit card by a company called XXXX. 

On XX/XX/XXXX, another charge in the amount of {$39.00} was charged by the same company. 

On XX/XX/XXXX. I contacted my bank, Chime, to dispute the charges. At the time I did not know how or if my personal information had been compromised, but I immediately disputed the charges. 

I also contacted XXXX and informed them that any account made with my information was fraudulent and to immediately stop using my card information. 

I waited while chime conducted their investigation in order to be reimbursed for the {$59.00} taken fraudulently from my checking account. I was disgusted when I received their response DENYING my claim for reimbursement! I then requested the information and documents that lead them to deny my claim. The documents I received were ALL what I sent in support of my dispute! They had ZERO documentation from the company that made the charges. 

On the phone with the agent at chime, I was told that the charges were made in a state I was not and have never even been to. I live in XXXX. So I immediately escalated my dispute as I DID NOT AUTHORIZE VCOURDIV TO CHARGE ANY AMOUNT FROM MY CHECKING ACCOUNT! 

I was also informed that an account was never used within XXXX. No product being used should be the first clue to chime that I did not make the charges and that they were in fact FRAUDULENT! There was a lack of effort made by chime to investigate otherwise the claim would not have been denied. The chime institution failed me as an account client. They do not have my best interest and I can not trust them to correct fraudulent charges made to my account. This is not ok! All evidence was clearly in my favor, yet it was denied. In fact, during the investigation chime made no effort to contact me to make any kind of inquiry or to confirm/check any facts! Only the initial intake form of basic questions when I filed the dispute! That is NOT a proper investigation!!!! 

I was denied another legitimate claim previously and after this came to light how they are failing to properly investigate, I believe that denial was another failure to properly investigate as I sent even more evidence to prove my case, so I will be reopening that XXXX as well. 

All this leads me to believe Im not the only XXXX Chime has done this to. If they are allowed to get away with this, it could affect so many people ( and most likely has ) who trust that chime will do the right thing when it come to entrusting them with their hard earned money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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 have tried for the last three years to correct inaccurate information on my credit report. I had an excellent credit score and an ideal credit report until covid happened. Ive tried to correct the inaccurate information several times. Both with the original companies and the credit reporting agencies with no avail. This has made financial hard times even harder. It has kept me from being able to consolidate any debt I did have. When our rental was sold and we needed to move it made it look like I wasnt responsible. Made it to where I cant get approved for anything. At this time. They are re reporting charge off every month on accts and keep doing this for over 24 months on several accts. Total failure to properly investigate and failure to correct inaccurate information. These need to be completely deleted from my credit report this is obvious willful negligence on their part to allow this. I feel they should compensate me for the violations they continued to put on my credit report. To avoid more distress and having to actually sue a lawyer will want more. Just delete and pay for the obvious damage of being will ful negligent by leaving obvious inaccuracies month after month. Failure to to due independent re investigation after XXXX XXXX obviously failed and XXXX XXXX didnt catch it. I re disputed and called several times for each act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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