vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( s ) in question include : XXXX XXXX XXXX /Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within XXXX days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I want to know the method that the collection company uses to verify and validate this debt. 15 U.S.C. 1681e ( b ) under the FCRA, credit reporting agencies are required to maintain maximum accuracy. This account is erroneous, unverifiable, and damaging to my credit report. If you are reporting inaccurate or incomplete information you are violation this provision. 15 U.S.C 1692g ( b ) under the FDCPA, debt collectors are obligated to validate debt upon request. This includes providing proof that I owed the debt, proof that the debt collector has the legal right to collect it, verification of the original creditor. if no validation is provided, you are required to cease collection and reporting activites. 15 U.S.C 1681i ( a ) I demand an immediate investigation of this disputed account as required under this section If the account can not be verified withing 30 days, it must be deleted from my credit report promptly. And lastly i want to be provided with proof of which methods use to verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion Consumer Solutions. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-12 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: MD

Complaint narrative:
I sent the letter in to all three credit rules to have the situation resolved. No one result. No one respond.

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 2025-01-12 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: FL

Complaint narrative:
I am writing to dispute XXXX unauthorized Inquiries on my credit report that EQUIFAX is reporting innacurate, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry XXXX : XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Unspecified. 
Disputed inquiry XXXX : XXXXXXXX XXXX, XX/XX/XXXX, Unspecified. 
Disputed inquiry XXXX : XXXX XXXX, XX/XX/XXXX, Unspecified. 


Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Equifax continues to allow XXXX XXXX XXXX to report medical debt to my credit report, in which I do not recognize nor did I consent to them accessing my medical information. This coincides with my belief that I have been a victim of the Equifax Data Breach. 

They did not provide the original signed document alleging my consent to this debt, nor did I ever agree to pay this debt to XXXX XXXX XXXX. 

XXXX XXXX RECEIVABLES- Opened XXXX XXXX, XXXX ( {$1100.00} ) XXXX XXXX receivables is a medical debt The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that required the creation of national standards to protect sensitive patient health information from being disclosed without the patients consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my Equifax credit report. I believe this information is inaccurate and warrants immediate correction or removal. Background Impact of Data Breaches : As you are aware, Equifax suffered a significant data breach in 2017, exposing the personal information of over XXXX XXXX consumers, including Social Security numbers, addresses, and birth dates. This breach, along with the most recent industry-wide breaches, raises serious concerns about the integrity of data handling and its impact on credit reporting accuracy. The inaccurate information on my credit report is a result of data compromised during this or subsequent breaches. 

Potential Identity Theft : Due to the data breaches, I am at heightened risk for identity theft and unauthorized credit activities. All and any inaccuracies on my credit report must be thoroughly investigated to determine if they are the result of identity theft. 

Compliance with FCRA and CFPB Regulations : Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ), Equifax is obligated to ensure maximum accuracy in credit reporting and to investigate consumer disputes promptly and thoroughly. 
The Consumer Financial Protection Bureau ( CFPB ) enforces consumer protections to ensure that credit reporting agencies uphold their responsibilities under the law. 
Requested Actions In light of the above, I am requesting the following actions : Investigation and Correction : Conduct a full investigation of the disputed item and provide documentation verifying the accuracy of the attached disputed items.

Immediate Removal : If you are unable to verify the accuracy of the disputed information, remove it from my credit report immediately as required by FCRA 611.

Security Measures : Detail the steps Equifax is taking to ensure data security and the prevention of unauthorized access or use of consumer information.

Please provide written confirmation of your receipt of this letter and a resolution to this dispute within 30 days, as required by FCRA. You may contact me via the information listed above.

Thank you for your prompt attention to this matter. I expect compliance with all applicable laws and regulations to ensure a fair and accurate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identify theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. Currently being reported as a New account XX/XX/XXXX after being removed XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned and accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identify theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. Currently being reported as a XXXX account XX/XX/XXXX after being removed XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned and accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity and fraud.

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 2025-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AMCOL Systems, Inc.
State: WV

Complaint narrative:
On XXXX I sent a cease and desist letter certified to amcol about buying or selling medical information which is fraud and identity theft per the cfpb it can not go on any credit reports they in fact said I owe a alleged debt which is not mine they are buying bad debts and reporting to credit bureau I want this harassment stopped today I do not owe someone elses debt I asked for purchase agreement and west Virginia business license they have neither and are breaking the law per fcra cfpb you must have a persons authorization to sell or transfer personal medical records to anyone its a hippo violation. Delete from my credit report today or I will take action and it wont be tolerated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Va XXXX ] [ XXXX ] [ XXXX ] XX/XX/year> [ CFPB ] [ XXXX XXXX XXXX ] Subject : Dispute of Inaccurate Information Code XXXX Dear [ CFPB ], I am writing to formally dispute certain inaccurate information that has been reported to you regarding my credit profile. I believe that the information provided is incorrect and does not accurately reflect my financial history. 

The accounts in question are as follows : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX DOT XXXX - Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : [ Specify if known ] - Date Opened : [ Specify if known ] XXXX. XXXX XXXX, XXXX. 
- Account Number : XXXX - Status : Open/Closed - Account Type : [ Specify if known ] - Balance : Credit $ - Date Opened : XX/XX/XXXX, [ Year if known ] XXXX. XXXX Secured - Account Number : [ Specify if known ] - Status : XX/XX/XXXX, [ Year if known ] - Account Type : Secured I am disputing these accounts based on Code XXXX, which pertains to inaccuracies regarding the status and balance of the accounts listed above. After reviewing my records, I have identified discrepancies that require correction. 

Please conduct an investigation into this matter and provide me with the results as well as a copy of my updated credit report once the corrections have been made. I have also enclosed copies of relevant documents that support my dispute, including [ list any documents you are including, such as bank statements, payment records, etc. ]. 

Thank you for your prompt attention to this matter. I look forward to your response and the correction of my credit report. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX Account XXXX reported a XXXX XXXX XXXX collection on my credit report after this debt had been XXXX on XX/XX/XXXX in my XXXX XXXX XXXX. I submitted a copy of the final discharge papers confirming XXXX was included in the XXXXXXXX and was XXXX before collection was reported. XXXX Account XXXX closed the collection but left the balance of {$830.00} as unpaid reflected on the credit report. I have requested that this debt be deleted since it was XXXX before this credit reporting agency reporting it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX XXXX some items were purchased to a company called XXXX and paid for by my cash app card. I have looked at this site but did not purchase these items so I called cash app and explained I did not purchase these items. They said they would have to investigate etc. So I contacted XXXX myself and before the order had been filled, I was able to get a full refund back to my cash app card with no problem on he very same day the order was placed. I saw that a total amount of {$94.00} and another amount of {$120.00} was placed back into my account, but later that day there was a line through the amount and my account had a total of {$3.00} in it. I had not purchased anything or used my cash app account for anything. Later that day I got a notice from my XXXX XXXX bank account saying cash app had taken {$120.00} from my account, which made no sense to me, but by the time I was able to contact XXXX XXXX the $ had been put back into XXXX XXXX account. This transaction has nothing to do with XXXX XXXX, but I figured that cash app wanted to keep their " middleman Cut '' out of the deal and did not want to lose whatever they get paid for their services, that they decided to not give me the return, but before that they decided to try and charge my regular bank account to make up for their losses in XXXX way or another but realized that wasn't a good idea and put it back. My cash app account still shows the amount returned with a line through it. I have never seen this before and I have called cash app several times trying to get this resolved, but they refuse to give me a straight answer. I have even been hung up on before and when I asked them if I could record the phone call they told me '' no they don't consent to being recorded ''. But yer as customers we agree all the time to being recorded. I have proof of everything I am explaining. And have tried to work this out with cash app over XXXX times before contacting you.

Company response to consumer: Closed with explanation