vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
I am filing a complaint against XXXX because they have failed to investigate and correct inaccuracies on my credit report. Despite multiple attempts to dispute these errors, XXXX has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate the dispute and correct the incorrect information. This issue has persisted even after multiple letters and attempts to resolve the dispute. Additionally, the recent CFPB lawsuit against XXXX for similar violations strengthens my claim that XXXX is not upholding their duties as outlined under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
I am filing a complaint against XXXX for failing to properly investigate inaccuracies on my credit report. Despite multiple dispute attempts, XXXX has not corrected or properly investigated the charge-off status, payment history, and balance on my SYNCB/PPC account ( Account Number : XXXX ). This failure to investigate and update my report is in violation of the Fair Credit Reporting Act, including 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). This issue persists, and Im asking for a resolution and for XXXX to comply with the law.

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 2025-01-29 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: IL

Complaint narrative:
I am filing a complaint against XXXX because they have failed to investigate and correct inaccuracies on my credit report. Despite multiple attempts to dispute these errors, XXXX has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate the dispute and correct the incorrect information. This issue has persisted even after multiple letters and attempts to resolve the dispute. Additionally, the recent CFPB lawsuit against XXXX for similar violations strengthens my claim that XXXX is not upholding their duties as outlined under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
I am filing a complaint against XXXX for failing to properly investigate inaccuracies on my credit report. Despite multiple dispute attempts, XXXX has not corrected or properly investigated the charge-off status, payment history, and balance on my XXXX account ( Account Number : XXXX ). This failure to investigate and update my report is in violation of the Fair Credit Reporting Act, including 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). This issue persists, and Im asking for a resolution and for XXXX to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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:
Im filing a complaint toward Equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax action may also contravene The Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I report are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: KY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal infomation 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 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AR

Complaint narrative:
Trans union XXXX and XXXX are reporting incorrect information on my credit report with out my consent i would like all three to remove all negative reportings

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 2025-01-29 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: IL

Complaint narrative:
I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next 15 days. Enclosed are the supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

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 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 2025-01-29 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: NV

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my XXXX  Score. Under XXXX XXXX XXXX XXXX. XXXX, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I have been calling Mohela since XX/XX/year> for information about income based repayment. Nobody has given me the correct information. Every time I call Im placed on hold for at least XXXX hours at a time. Every so often the voice menu offers a call back, this is not consistent. Almost always the first representative will transfer to an advanced agent. Again Im placed on hold for up to XXXX hours. At XXXX the hold queue ends because Mohela closes for the business day. 

The agent tells me theres an option to request an advanced agent on the initial voice menu. There is none. I have tried every combination of keystrokes available in the voice menu, all them go to an unidentified hold. 

As of right now, even if I call at XXXX right when they open, there is no less than a XXXX hour wait, but Mohela only stays open for XXXX hours a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I was using Zelle to send money to my son while away at college. I typed in his name, selected it, sent {$500.00} to him then after my son told me he never received it. I went back and realized I sent it to the wrong person who had a similar name and when tried to get the money back Zelle basically told me I lost it and cant get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: DataMax Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute of Inaccurate Account Information Request for Immediate Removal Dear XXXX I am writing to formally dispute inaccurate information on my credit report. The following account contains incorrect details and must be corrected or removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : XXXX Account Status : Incorrectly listed as Open Remarks : Placed for Collection ( Disputed ) Account Opened : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is inaccurately reported as Open when, in fact, it should no longer be in this status. If this account has been sold to a collection agency or otherwise closed, the current reporting is misleading and negatively impacting my credit score. 

Additionally, I request validation of this debt, including a complete payment history and documentation proving its legitimacy under my name. If the credit bureau can not verify this information with proper documentation from the original creditor, this account must be deleted from my report immediately. 

Please investigate this matter and update my report accordingly. If the inaccuracy is not corrected, I will escalate my dispute and explore legal action as permitted under federal law. I appreciate your prompt attention to this matter and expect a response within the legally required XXXX period. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: GA

Complaint narrative:
DISPUTE LETTER XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, GA XXXX SSN # XXXX XXXX To Whom It May Concern, It has been brought to my attention, with diligent investigation, that my account has been tampered with.

NOTICE OF FRAUD I have made several attempts to rectify this issue with the creditor & credit bureaus. Pursuant to XXXX XXXX. XXXX XXXX. XXXX, I am due a promise of accuracy in my report based on federal law. I have report this account to the CFPB.Moving forward, I need to be provided with the following documents : original account, dates open and closed, payment history, fees, charge off, account purchased with XXXX or third party if apply Also my authorization and signature. 

This issue is time sensitive Respectfully 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 2025-01-29 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : Disputed Accounts : XXXXCreditor Name : XXXX Account XXXX : XXXX Balance : {$660.00} Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX XXXX Name : XXXX CRED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number XXXX XXXX Balance : {$3400.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
As seen in the attached history of payments from the Honda Finance Website, payment reversals happened. I selected autopayment and received no notifications of the reversals. Once my credit score was affected, I learned of these reversals. Since then, I have stayed on top of these payments manually.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The Following companies, Equifax, XXXX, XXXX, XXXX XXXX XXXX  XXXX, Affiliates, are in possession of my stolen credit card ( XXXX XXXX XXXX ) personal social security account information, absent my knowledge, consent and/or agreement ( XXXX XXXX XXXX XXXX. I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, et al, has failed and/or refused to implement a block. I have also demanded secific verifications : ( XXXX ) Any insurance claims ; ( XXXX ) chain of title ;, i.e. which has been ignored and/or authority exceeded with regard to possession of personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: IL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 an 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