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: 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: WI

Complaint narrative:
I am filing this complaint regarding ongoing inaccuracies, misleading information, and unlawful reporting practices on my credit reports. Despite my repeated attempts to dispute these issues through the proper channels, the credit bureaus and furnishers continue to act in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Standards. 

The following issues persist : XXXX XXXX XXXX : Reporting as Charge-Off ( CO ) indefinitely, preventing the statute of limitations from starting. 
XXXX XXXX : Reported without my permission or proper authorization, violating FCRA rules requiring permissible purpose. 
XXXX XXXX : Duplicate entries across credit bureaus, harming my XXXX XXXX unfairly. 
XXXX XXXX XXXX : Reported without validation of the debt or written consent to report it. 
XXXX XXXX Solutions : Reporting inconsistently across the credit bureaus, violating accuracy and XXXX XXXX compliance. 

Additionally, the E-Oscar system has been used to unlawfully verify these inaccuracies without proper investigation. Despite my cease-and-desist letters and prior disputes, these items remain on my reports unlawfully. 

I am requesting the CFPB to enforce compliance with the FCRA, XXXX XXXX guidelines, and consumer protection laws. I ask for a full investigation and resolution of these issues, as they have negatively impacted my financial standing.

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: WI

Complaint narrative:
I am filing this complaint regarding ongoing inaccuracies, misleading information, and unlawful reporting practices on my credit reports. Despite my repeated attempts to dispute these issues through the proper channels, the credit bureaus and furnishers continue to act in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX Compliance Standards. 

The following issues persist : XXXX XXXX XXXX : Reporting as Charge-Off ( CO ) indefinitely, preventing the statute of limitations from starting. 
Child Support : Reported without my permission or proper authorization, violating FCRA rules requiring permissible purpose. 
XXXX XXXX : Duplicate entries across credit bureaus, harming my credit score unfairly. 
XXXX XXXX XXXX : Reported without validation of the debt or written consent to report it. 
XXXX XXXX Solutions : Reporting inconsistently across the credit bureaus, violating accuracy and XXXX XXXX compliance. 

Additionally, the E-Oscar system has been used to unlawfully verify these inaccuracies without proper investigation. Despite my cease-and-desist letters and prior disputes, these items remain on my reports unlawfully. 

I am requesting the CFPB to enforce compliance with the FCRA, XXXX XXXX guidelines, and consumer protection laws. I ask for a full investigation and resolution of these issues, as they have negatively impacted my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Upon reviewing my credit report, I found inaccuracies in my employer information that must be corrected. Specifically, I am requesting that my employer details be updated to reflect my correct employer, " XXXX XXXX XXXX XXXX XXXX, '' and any outdated or incorrect information be properly revised. Accurate reporting of my employer is essential to prevent delays in financial matters and ensure I am not unfairly affected by outdated information. I kindly request that this update be completed promptly and confirmed in writing to avoid any future complications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CT

Complaint narrative:
Ive made numerous attempts at appealing these claims and regaining access to my account back around the time XX/XX/XXXX and just got a response from cash app support today, XX/XX/XXXX. Every time I asked them to elaborate what terms they told me that they were unable to explain and just kept saying that terms were violated. I have documentation that would be able to support the times that I have been scammed by individuals and was sending money to people that claimed they would do my hair in exchange for the payment but never followed through. Im not sure if this would be relevant to their decision in closing my account but I have made several attempts in making a dispute to which today, they finally declined after doing their one sided investigation. I was not given the opportunity to hand over any documents to prove that I have been using the platform within the guidelines, they made one decision and shut me out of my account to where I am unable to receive or send money. I also have a small business providing a service and my clients use cash app to pay me so that has been hindering me. The company has been very vague about what I violated and I feel like that is unfair, I have been using cash app for years.

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: OH

Complaint narrative:
On XX/XX/2024 I sent a dispute letter to Equifax. In this letter, I disputed all inaccurate personal information. In my dispute letter I verified my identity by attaching a copy of my drivers license. In my dispute letter I included my full social security number as well. Equifax refuses to update my personal information because they claim they can not verify my identity. I am submitting this complaint because Equifax is not cooperating with the dispute process. 

Equifax refuses to correct my personal information and they did not even acknowledge the account that I disputed which is a violation of my consumer rights. 

I just want the errors to be removed from my credit report because it's the law! 

Attached to this complaint I will include a copy of my drivers licesne, social security card and the dispute letter that I sent to Equifax on XX/XX/2024.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 , Delete or block deragatory Account by " XXXX XXXX XXXX appearing on my consumer credit report that is the result of inaccurate & False reporting within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at " XXXX XXXX '' derogatory items opened XX/XX/year>, AccT # ending in XXXX. These accounts have resulted in several Credit Damage to My XXXX and overall Equifax credit Score. Equifax as well as XXXX XXXX have failed to show investigative results of false " verified '' status for over 45+ days. I've attached a list of the credit reporting error in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned innacurrate item. I do not recognize the aforementioned collections, or hard inquiries as reported. i am provided supported documents of FCRA consumer rights XXXX XXXX violations they have broken through false reporting ; inaccuracies, and i Demand for Action Removal of this Account immediately or face Credit Report Litigation Damages.

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: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting a formal complaint regarding several potentially negative items on my credit report that I believe were not updated correctly following my XXXX XXXX bankruptcy discharge. 

Summary of the Issue : In XX/XX/XXXX, my XXXX XXXX bankruptcy case was discharged by the court ( XXXX XXXX XXXX XXXX XXXX, Date Filed XX/XX/XXXX ). After this discharge, I believe my credit report should have been updated to reflect that the following accounts were fully discharged and should no longer be marked as potentially negative, as the balances are XXXX and no further action is required on these accounts : Bank of America Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX XXXX XXXX XXXX  Multiple Accounts ) Dates Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Status : Discharged through XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Status : Discharged through Bankruptcy XXXX XXXX  Despite the discharge, these accounts still show as " potentially negative '' or " discharged through bankruptcy, '' which is misleading and may hinder my ability to rebuild my credit. According to my records, these accounts should reflect the discharge status accurately and no longer be listed as negative or derogatory. 

Request for Action : I am requesting the following actions : Immediate correction and removal of any inaccurately marked potentially negative status on the aforementioned accounts. 
Clear documentation from each creditor stating that the account balances are XXXX and have been fully discharged. 
Update of my credit report to reflect accurate information regarding these accounts, ensuring they are listed as discharged in full and not negatively impacting my credit standing. 
Please investigate this issue and assist me in ensuring that my credit report is properly updated in accordance with the discharge of my XXXX XXXX  bankruptcy. 

Details of Bankruptcy : XXXX XXXX  Bankruptcy Discharged : XX/XX/XXXX Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Thank you for your prompt attention to this matter. I would appreciate any assistance in resolving this issue and ensuring my credit report is updated accurately. Please feel free to contact me if additional information or documentation is required. 

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 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.

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 2025-01-30 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: TX

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WHEELS FINANCIAL GROUP, LLC.
State: MS

Complaint narrative:
I am rewriting to address multiple unresolved issues with the information on my credit report in 800 LOANMARTXXXX, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), 800 LOANMART-XXXX  is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i,800 LOANMART-XXXX is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXXXXXX and expect 800 LOANMARXXXX to XXXXooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hello to who it may concern, My Name is XXXX XXXX XXXX I Am currently XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am currently enrolled in a XXXX XXXX XXXX here at the XXXX to grasp the true understanding of Building wealth and a positive credit profile / While being enrolled in the program I had the opportunity to have my credit report pulled and I see I have 2 closed accounts along with some soft and hard credit Inqurires/ I am reaching out because I did not open these accounts or make any inquires in regards to opening up and New Accounts I have been iXXXX XXXX XXXX XXXX XXXX  and did not apply for nor did I open any Lines of credit or obtain any credit Cards and would like for these negative Items that are impacting my credit profile to please be removed

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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

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

Complaint narrative:
These Accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Inquiries : 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

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

Complaint narrative:
These Accounts and inquiries are incorrect, since i do not recognize them, please investigate them and delete them Accounts : XXXXXXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.0XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Inquiries : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i recently reviewed my credit score and realized there was some fraudulent activity. i would like it removed.

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: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I spoke with XXXX twice an still yet to see it taken off, She stated it would take twenty four to forty eight hours, XXXX XXXX, Which First National has as of XXXX an also one at XXXX XXXX  of the amount of XXXX XXXX XXXX dollars that I have to clue about being in good standards with my companys.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation