vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 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: IL

Complaint narrative:
My XXXX XXXX account should NEVER have been reported late, in the year of XXXX. The Lender did NOT include my apartment number on my bills. After disputing these late payments multiple times with no success, I reached out to the XXXX of XXXX XXXX, explaining my issues. 

After further investigation, the XXXX had agreed that the two 30-days late charges payments were no fault of mine. They realized that they were at fault, so I was issued a refund check for all the months that I was charged a late fee. 

According to the Lender, they had submitted an AUD form to Equifax, XXXX, XXXX, and XXXX, requesting that they update late payments for XXXX and XX/XX/2018. 

Equifax is the only Credit Bureau that has NOT updated the TWO late payments thats being reported. I had uploaded all the documents that the Lender sent me when I disputed the late payments again, but still had no luck with Equifax updating the two late payments. The other Bureaus updated the reporting without any issues.

I have attached the following : Lenders letter apologizing for missing and/or delayed bills.

Lenders letter # 1 sent to Bureaus. 
Lenders AUD form that was sent to the Bureaus. 

Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants Acceptance Corp
State: NC

Complaint narrative:
The debt is erroneously reporting in my credit report. It is past XXXX years old and needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute an account on my credit report that was opened fraudulently using my personal information. Ive tried filing a dispute many times with both the credit bureau XXXX XXXX and the actual company but still nothing has changed. My name is XXXX XXXX, and i was a victim of identity theft. The account in question does not belong to me, and I have never authorized its creation. I believe this is a result of identity theft. 
Please investigate this matter promptly and remove the fraudulent account from my credit report. I request copies of all documents related to this dispute. 
Thank you for your immediate attention to this matter. The name of the company is XXXX XXXX  and out by 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has a different payment date on the credit bureaus and also is not reporting the correct payment history. XXXX, Transunion and XXXX is showing different history on XX/XX/2022.

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 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX  a deposit of XXXX a week later attempting to pay bills I noticed it had cleared called.in to assured it would take 2-3 day, i found that somewhat odd but shock i was worried i figure put into saving an earn interest, so busy I hadn't went on Vacation returned XXXX was when told of suspect ion of Faud my account was frozen I was upset of course, then i ask question everyone got no answer, There was no fraud excessive overdraft nothing, I was told the Banks just didn't want to bank with me finally I received cashiers check in this month. I want answers .and make sure this bank doesnt smear my name. 
Thank you 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 2023-10-28 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: CA

Complaint narrative:
This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : 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 2023-10-28 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: LEXISNEXIS
State: CA

Complaint narrative:
This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IN

Complaint narrative:
Squares payment protocol is an overbearing one. It completely binds the customer, but not Square. This is unfair and unfair.

The agreed 90-day review date was pushed back two years. Not proactively contacting customers, deliberately confiscating customer funds, and mechanically perverting customers. 

1. Square accounts have been deactivated inXX/XX/XXXX and the latest updated payment terms do not apply. 
2. If a customer refund event occurs and the refund has been actively processed, you have no right to confiscate the remaining legal funds.

3. Once a Square account is deactivated, customers have 90 days to dispose of the account instead of waiting two years for a permanent freeze.

4. Squares customer service team abuses the contract at will, fails to respond to customer complaints, and restricts accounts at will.

5. Square stated that the account was suspected to be high risk, but did not provide actual proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

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. Capitalone Spark Business XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: CA

Complaint narrative:
I sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.

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 2023-10-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This Bankruptcy accountis being reported on my credit report as if they are the furnisher,. this account is reporting inaccurately and needs to be deleted since you are violating 15 USC 1681e ( b ) by keeping my credit report from reporting 100 % accurately. This Account needs to be removed from my file. XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2018 Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: NY

Complaint narrative:
XXXX credit report now reflects XXXX derogatory remark from Williams and Frudgefor {$6100.00}. Debt is unknown. No notification or explanation given prior. XXXX called approximately 1 week ago for validation of debt. None obtained to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.

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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a very detailed letter with exhibits showing the inaccuracies on my credit report back on XX/XX/2023. I will attach a copy for your review and a copy of the Certified Mail tracking reciept to this complaint. I never recieved any updates from the credit bureaus other that that they were verified. They didn't update anything so the errors are still on my credit report. According to the FCRA they need to remove in inaccurate information or update it. They didn't correct the inaccurate information and they didn't delete any of the inaccurate items either. The credit Bureaus just simply claim they are verified and that is it. They just want people to give up ... .. My next step will be to take them to court for each violation. I would much rather they simply delete the inaccurate accounts. If they do not delete them they need to prove these are accurate and show me how these are validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
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 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 2023-10-28 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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 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 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 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I been communicating with Experian for some months now cause they have a fraud shield on my credit report. they deleted my home address with all my credit cards, they also dont post my employer on my report. they are showing my account and my file as high risk. i will get to the bottom of this and file a lawsuit. i see. they already got one for XXXX XXXX dollars for this. i will be contacting the state attorney to gather up evidence quickly. i been denied 3 times loans and they said that my identity could not be verified and experian was the report pulled.

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 2023-10-28 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: KS

Complaint narrative:
I have filed disputes on various incorrect accounts on my credit through Experian yet they continue to show incorrect information that is negatively affecting my credit. 


1 ) I have a {$380000.00} loan through XXXX XXXX XXXX with the account number XXXX. This account has never been late and it is also completely paid off in full. Experian is claiming that I have been late on the account which is false as it is on autopay and the balance of {$380000.00} was paid in full already. This account has no balance and I own my home outright and I WAS NEVER LATE on ANY PAYMENTS on this account. If Experian is incorrect about me even having this loan, how can they be trusted to reflect whether or not I was on-time or behind on payments? 

I demand they remove all late payments in regards to this account and show this account as fully paid off. 

2 ) I have a secured loan through XXXXXXXX XXXX and XXXX with the account number XXXX that is showing as paid, close and {$32000.00} written off. I have no knowledge of this account as the only account with XXXX I have is a mortage on an apartment complex. I have asked Experian and XXXX to provide me with written documentation showing this account and that was never provided to me. 

I demand Experian to remove this account off my credit profile entirely. 


3 ) I also have numerous false inquiries on my credit. I am currently out of the country and these inquires are not mine and I demand they be removed off my credit. 

XXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXXXXXX XXXX XXXX which was inquired on XX/XX/XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXl which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was inquired on XX/XX/XXXX XXXX XXXX XXXX  which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXXXXXX XXXX XXXX  which was incquired on XXXX  Experian Business Credit which was inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXX XXXX XXXX XXXX which was inquired oXXXX XXXX XXXX XXXX XXXXXXXX which was inquired on XX/XX/XXXXXXXX XXXXXXXX which was inquired on XX/XX/XXXX All of the above are not known to my knowledge and I demand they be removed. 


The only valid inquiry on my credit should be : XXXXXXXX XXXX XXXX  which was inquired on XX/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 2023-10-28 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I noticed a charge from door dash for {$96.00} on my XXXX XXXX cash back card. I called customer service to report the fraudulent charges. They reversed the charges and returned my {$96.00} back to my card. On XX/XX/XXXX I received a letter stating that they investigated the charged and determined it was my charge. I called 3 times to have this fraudulent charge removed to no avail. I called XXXX XXXX to get my {$96.00} back and because I don't have a XXXX XXXX account they were unable to refund the money and I would have to contact my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have notice different variations of my name. My name should only be written in one legal format. XXXX XXXX XXXX. I have included my driver 's license.Please update and remove all different names written on my consumer report. Only one should appear as my Drivers License. Thank you.

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