vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
XXXX continues to report incorrect loan balances to the credit bureaus. I have been calling for months trying to track down where the discrepancy is. They have not been reporting to one of the credit companies since XXXX of 2024! And the information that is listed is incorrect. My total balance is still showing OVER double the actual amount COMING TO A TOTALNOF XXXX. I have been rejected for home loans because without actual proof from XXXX amd the credit bureaus, they are utilizing the fraudulent information listed. XXXX and Equifax are not being reported to correctly. These corporations are stifling the growth of the XXXX people and essentially robbing them of any opportunity to create better lives for themselves. They need to be held at a higher regard as a federal operating entity. FIX YOUR SYSTEM!!! I have been doing my die diligence, why are they not doing theirs?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My debit card expired. I never received the replacement via mail. Someone else seemed to have intercepted my card and began using it. They were able to activate my card. They charged approx {$3000.00} until my checking account was emptied. 

I reported this on XX/XX/year> to Wells Fargo in person. Went over the fraudulent purchases one by one. They were in a different town than I live to stores I never frequent.

Was told they would " get back to me ''. Visited bank two more times and was told it would be resolved in " 10 buisness days ''. Never received any further emails or information. 

Checked via their website and only information was " after careful consideration the claim was denied ''.

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 2025-02-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian Information Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services, XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Immediate Removal of Fraudulent Accounts Due to Data Breach Under FCRA Compliance Dear Experian and Equifax Dispute Departments, I am writing to formally dispute fraudulent accounts appearing on my credit report as a result of a data breach. It has come to my attention that my personal information was compromised due to the recent security failures at your agencies. Under the Fair Credit Reporting Act ( FCRA ), I demand the immediate and permanent removal of these accounts. 

The fraudulent accounts on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA ( 15 U.S.C. 1681c-2 ), I have the right to request the blocking of fraudulent information resulting from identity theft or data breaches. Additionally, per 15 U.S.C. 1681i, you are required to : Conduct a reasonable reinvestigation within 30 days.

Provide all relevant dispute information and supporting documents to the data furnisher. 

Correct or delete inaccurate, incomplete, or unverifiable information. 

Provide clear, written results of the reinvestigation, specifying any updates made. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers of inaccurate information must correct or delete disputed accounts. Failure to do so violates federal law.

Given the recent lawsuits against your agencies and the severity of this matter, I demand the permanent removal of these fraudulent accounts within five ( 5 ) business days. Failure to comply will leave me with no choice but to escalate this matter legally through formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please provide me with written confirmation of the removal and an updated credit report reflecting these changes. I expect full compliance with the FCRA within the specified time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
Mohela continues to report incorrect loan balances to the credit bureaus. I have been calling for months trying to track down where the discrepancy is. They have not been reporting to one of the credit companies since XXXX of 2024! And the information that is listed is incorrect. My total balance is still showing OVER double the actual amount COMING TO A TOTALNOF XXXX. I have been rejected for home loans because without actual proof from Mohela amd the credit bureaus, they are utilizing the fraudulent information listed. XXXX and XXXX are not being reported to correctly. These corporations are stifling the growth of the XXXX people and essentially robbing them of any opportunity to create better lives for themselves. They need to be held at a higher regard as a federal operating entity. FIX YOUR SYSTEM!!! I have been doing my die diligence, why are they not doing theirs?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Somebody created an account and card with my identity, address, and social security number and then received payment with this account. Then CashApp sent a 1099-K to me with the income that this criminal received. 
CashApp is not acknowledging this and not helping cancel the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: PA

Complaint narrative:
I am filing this complaint regarding inaccurate and improper reporting of charged-off accounts on my credit report by Experian. These accounts were reported as charge-offs by the respective creditors, and based on IRS regulations XXXX the creditors likely issued a 1099-C Cancellation of Debt form. 

Details of the Issue : Several creditors, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXXXXXX XXXX, reported accounts as charged off and continued to reflect them as outstanding balances on my credit report. 
The IRS considers canceled debt as income, and per IRS Publication 4681, once a 1099-C is issued, the debt is no longer legally enforceable.

Experian is inaccurately reporting these charged-off accounts as past due debts, despite the fact that a 1099-C form converts them into income, which should not appear on a credit report per the Fair Credit Reporting Act ( FCRA ) and FTC guidance. 
I disputed these accounts with Experian on multiple occasions, requesting deletion due to the issuance of 1099-C forms and the misrepresentation of these accounts on my report. However, Experian failed to remove the accounts, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of information to report only accurate information. 
These errors have caused significant financial harm, including denials of credit, higher interest rates, and reputational damage. 
Key Violations : Failure to remove inaccurate charge-off accounts after debt cancellation ( IRS 1099-C ) FCRA violation Reporting inaccurate and misleading information Failure to conduct a reasonable reinvestigation under FCRA 15 U.S.C. 1681i Requested Resolution : I demand that Experian immediately delete all charged-off accounts that have been reported as canceled debt under 1099-C filings and ensure compliance with FCRA regulations. If the company fails to act, I request regulatory intervention and enforcement. 

This matter requires urgent resolution as it directly impacts my financial well-being.

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 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I need your assistance in reviewing accounts from these companies that are incorrectly reporting late payments. After checking my credit report, I noticed certain accounts showing late payments that should not be there. These accounts should not have any late payment marks.

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 2025-02-12 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: OH

Complaint narrative:
someone tried to go online and get a car in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Syncrony Bank ( Care Credit. has been receiving dispute requests for over six months and not taken them seriourly. My credit report has been recently pulled to find a new rental for my home in both XXXX XXXX XXXX XXXX. I have immediately been denied HOUSING in both cities becuase of credit card debt listed on my report that is : a ) several years old b ) settled and CURRENT c ) the result of medical bills Although I stated all these facts when I disputed my directly with Syncrony, all they did was " verify '' the accounts and not look into whether they were actually legal, or had any affect on my ability to pay rent and keep a roof over my head ( they do not ). 

As I said, all my debt is being serviced ( through XXXX ) and this account is CURRENT. 

My lease is up and my apartment building suffered an electrical fire on XXXX I have to move. I work in a job where I am paid enough to cover rent for the properties I am applying for and I am about to befcome homeless becuase serviced debt remains on my reports and none of the bureaus, or the lenders directly are bothering to listen to me, or do their due diligence to help and allow me to move forward with my life. Housing is a basic human need and I am being denied it. Continuously. I have a perfectly reasonable credit score ( XXXX XXXX despite the nefarious reporting ) and years of flawless payment history, however, I can not RENT AN APARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STELLAR BANCORP INC.
State: TX

Complaint narrative:
XXXX {$4600.00} debit from personal account to square cash. Wife had XXXX  XXXX and I was in hospital for 3 months every day XXXX, Around XXXX noticed XXXX unauthorized debit, reported to bank president at stellar bank XXXX, XXXX told they could look at it since it was recent but other {$4600.00} was too old to investigate. I accepted her statement. Recently I had my XXXX account hacked for XXXX, XXXX not helpful at all until I submitted a case with you and then XXXX XXXX called me and was now willing to discuss because she said a cfpp rep had called. XXXX reversed THANKYOU!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I purchased ( paid in full ) a device to provide 5g service in XX/XX/XXXX from XXXX XXXX. I used the service from XX/XX/XXXX until XX/XX/XXXX. I was told when i set up the device/service that since i paid in full there was no contract and the service was considered " pre-paid ''. There is now a charge on my credit report from a debt buyer, Jefferson Capital Sys. for {$190.00}. The date opened on my credit report shows as XX/XX/XXXX almost three years after i stopped service. 

I have never had any additional dealings with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

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 2025-02-12 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-12 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-12 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: National Collection Systems, Inc.
State: TX

Complaint narrative:
I am writing to express concerns regarding a debt that was sent to collections, which I was only notified of via email in XXXX. Upon further investigation, I discovered that XXXXXXXX XXXX placed an account from two years ago into collections in XX/XX/XXXX, despite the fact that I transferred from the university in XXXX. 

When I contacted the financial aid office, I was informed that they had sent an email to my old XXXX account ( which I no longer have access to ) in XXXX, but they were unsure why I didnt receive a phone call or more timely notification. I was assured that someone would reach out to me with further details regarding the lack of proper notification, but unfortunately, no one has contacted me. Additionally, I was told that a case would be opened regarding this matter. 

Further, I noticed that the collection notice I received contained an incorrect mailing address, further complicating the situation. To clarify, I was never properly notified of any outstanding debt until receiving the collections email two years after the fact. 

I would appreciate your prompt attention to this issue and request clarification on the steps being taken to resolve the situation. I also seek to understand why I was not notified in a timely manner and how this error will be corrected. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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.
State: PA

Complaint narrative:
I have not authorized any of these inquiries. I was involved in a data breach which I have got part of the settlement from the data, XXXX of the credit bureaus reached out to me and we were calling everywhere to see if we can get things resolved. This was around XX/XX/XXXX. I dont know the exact date, but I still have these inquiries on my credit that I didnt approve of I dont even have a car. 

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

Company response to consumer: Closed with explanation