vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XX/XX/XXXX paid all outstanding balance and closed the account, was told all balances and charges must clear before closing. However, they assessed and charge after account closing. Would not provide information without card number which I did not have since shredding the card because account was closed. I attempted to get information but they require a card number even though I was offering my name, dob, and ssn #. This action has lowered my credit score from high XXXX to low XXXX which I work hard a maintaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
These is the account that I have marked as inaccurate. 
XXXX XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased a car XX/XX/XXXX. I was making Auto payments on time twice a month. Went in to the hospital with XXXX XXXX XXXX. Also had my baby early due to it born with XXXX XXXX. My payment did start to become late or missed. But I noticed where I was making payments at was labeled has charge off like example i paid XX/XX/XXXX it reflects on my credit report has charge off. I made full payment to off the balance XX/XX/XXXX. And it reflects on my account has a charge offs for another couple of months until XXXX. I've been disputing this since XXXX. I feel like it's been over looked. I have bank statements uploaded to prove.

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 2025-02-05 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:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-05 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I attempted to make a XXXX payment to XXXX of my employees who was out of State on vacation. I set him up with a XXXX profile and clicked on Pay. Somehow the payment went to a woman who I had previously done business with and had a good relationship. Once I realized thia, I tried contacting her but to no avail. She refuses to communicate or give the money back. I filed a complaint with bank of America but they denied it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-05 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:
Subject : Formal Complaint Against Equifax for Failure to Investigate Fraudulent Account To Whom It May Concern, I am submitting this formal complaint against Equifax regarding its failure to properly investigate and remove a fraudulent account from my credit report, despite my repeated submissions of supporting documentation. 

The fraudulent account in question was reported by XXXX XXXX and appears as a charge-off on my credit report. I have provided Equifax with substantial evidence proving that this account is fraudulent, including but not limited to : Proof that the vehicle associated with the account was stolen under fraudulent circumstances. 
Evidence that I never voluntarily defaulted or had the vehicle repossessed. 
Documentation showing that the loan company falsely reported repossession and resale of the vehicle without my knowledge or consent.

I have submitted this documentation multiple times through Equifaxs designated dispute process, yet Equifax has repeatedly claimed that it never received the materials. This failure to properly investigate and address my dispute is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation of disputed information.

As a result of Equifaxs negligence, I have suffered significant harm, including damage to my credit score and financial reputation. I am requesting the following actions : 1. A thorough reinvestigation of my dispute, with confirmation of receipt of all documentation I have provided. 
XXXX. The immediate removal of the fraudulent XXXX XXXX account from my credit report. 
XXXX. A written explanation detailing why Equifax failed to acknowledge and properly investigate my dispute. 

If Equifax does not take appropriate action to resolve this matter promptly, I will be forced to escalate this issue through legal channels and additional regulatory complaints. 

Please confirm receipt of this complaint and provide an update on the actions taken to address this issue. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Subject : Formal Violation of 15 U.S. Code 1681o Dear To Whom it May Concern I am writing to formally dispute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, regarding negligent noncompliance. I recently reviewed my credit report and found that an incorrect account. Also failure to investigate a previous dispute According to the FCRA, consumer reporting agencies and furnishers of credit information are required to maintain accurate information and conduct proper investigations when disputes arise. Your failure to adhere to these requirements has caused me such emotional distress, or credit score impact To resolve this matter, I formally request that you Remove inaccurate information immediately from my credit file.

I expect a response within 30 days, as required by the FCRA. If this matter is not resolved, I may take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil litigation.

Please send all correspondence regarding this matter to the address listed on file If you require any additional information to facilitate your investigation, please let me know in writing. 

Sincerely, Would you like to add any specific details, such as the name of the credit bureau or company you're disputing? 

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 non-monetary relief
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Subject : Formal Violation of 15 U.S. Code 1681o Dear To Whom it May Concern I am writing to formally dispute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, regarding negligent noncompliance. I recently reviewed my credit report and found that an incorrect account. Also failure to investigate a previous dispute According to the FCRA, consumer reporting agencies and furnishers of credit information are required to maintain accurate information and conduct proper investigations when disputes arise. Your failure to adhere to these requirements has caused me such emotional distress, or credit score impact To resolve this matter, I formally request that you Remove inaccurate information immediately from my credit file.

I expect a response within 30 days, as required by the FCRA. If this matter is not resolved, I may take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil litigation.

Please send all correspondence regarding this matter to the address listed on file If you require any additional information to facilitate your investigation, please let me know in writing. 

Sincerely, Would you like to add any specific details, such as the name of the credit bureau or company you're disputing? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2025-02-05 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: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AZ

Complaint narrative:
I am Filing a complaint against Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report despite my submissions Equifax consistently responds within 24 hours in the account is accurate without providing any evidence of a throughout thorough investigation. This practice violates the fair credit reporting at 15 U.S.C & 1681i, which mandates a reasonable investigation of disputes, furthermore, Equifax actions may also contravene the financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX ) against them for similar violations I request that the CFPB take actions to ensure Equifax complies with federal law and provide consumer with the necessary proof of investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ {$280.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Late/Closed Chapter XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Late/Open Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-05 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

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 2025-02-05 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this dispute regarding the following negative items on my credit report : XXXX XXXX XXXX - XXXX - {$7400.00} XXXX XXXX - XXXX - {$480.00} XXXX XXXX - XXXX - {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$600.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.

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