vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
I am submitting this complaint regarding a charge-off on my credit report for the amount of {$26000.00}. I believe this charge-off was a result of a data breach that led to unauthorized activity on my account. 

Description of Events : In XXXXXXXX XXXX, I became aware that my personal and financial information had been compromised due to a data breach. This breach occurred either through [ name of company or entity that experienced the breach, if known ] or through unauthorized access to my personal details by unknown parties. As a result, fraudulent charges were made on my account without my knowledge or consent. 

I was informed that a charge-off of {$26000.00} had been reported on my credit report due to the fraudulent activities resulting from the breach. The company reporting this charge-off has not removed the account from my credit report or taken action to correct the information. 

I request that the charge-off be removed from my credit report, as it was caused by fraudulent activity stemming from the data breach. I would also appreciate it if you could investigate this matter and help ensure that the reporting company addresses this issue properly. 

Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-08 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as provided by your company under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is as follows : Creditor Name : BMW Financial Services Account Number : XXXX The specific inaccuracy concerns the payment history for XXXX. Your report incorrectly indicates 30-day late payments for XXXX and XXXX and a 60-day late payment for XXXX. I dispute these entries as inaccurate because my records show that all payments were made on time. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within 30 days of receipt of this notice. As part of your investigation, I request that you verify the payment history with BMW Financial Services and provide me with the results of your findings.

Furthermore, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to ensure maximum possible accuracy of the information reported. This error violates that standard and has a negative impact on my creditworthiness. 

To assist in your investigation, I have attached the following : Payment confirmation statements from my financial institution for the disputed months. 
Correspondence between me and BMW Financial Services regarding this account. 
I demand that this inaccurate information be corrected or removed from my credit report as required by law. If you fail to address this dispute, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially taking legal action to enforce my rights under the FCRA. 

Please provide me with written confirmation of your investigation results and any changes made to my credit report. You can contact me by phone at XXXX my email is XXXX if additional information is required. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 am writing to dispute inaccurate information on my credit report, as provided by your company under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is as follows : Creditor Name : XXXX XXXX Services Account Number : XXXX The specific inaccuracy concerns the payment history for 2023. Your report incorrectly indicates 30-day late payments for XXXX and XXXX and a 60-day late payment for XXXX. I dispute these entries as inaccurate because my records show that all payments were made on time. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within 30 days of receipt of this notice. As part of your investigation, I request that you verify the payment history with XXXX XXXX XXXX and provide me with the results of your findings. 

Furthermore, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to ensure maximum possible accuracy of the information reported. This error violates that standard and has a negative impact on my creditworthiness.

To assist in your investigation, I have attached the following : Payment confirmation statements from my financial institution for the disputed months. 
Correspondence between me and XXXX XXXX XXXX regarding this account. 
I demand that this inaccurate information be corrected or removed from my credit report as required by law. If you fail to address this dispute, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially taking legal action to enforce my rights under the FCRA. 

Please provide me with written confirmation of your investigation results and any changes made to my credit report. You can contact me by phone at XXXX my email is XXXX if additional information is required. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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 am writing to dispute inaccurate information on my credit report, as provided by your company under my rights outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX The specific inaccuracy concerns the payment history for 2023. Your report incorrectly indicates XXXX late payments for XXXX and XXXX and a XXXX late payment for XXXX. I dispute these entries as inaccurate because my records show that all payments were made on time. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within XXXX days of receipt of this notice. As part of your investigation, I request that you verify the payment history with XXXX XXXX XXXX and provide me with the results of your findings. 

Furthermore, 15 U.S.C. 1681e ( b ) obligates consumer reporting agencies to ensure maximum possible accuracy of the information reported. This error violates that standard and has a negative impact on my creditworthiness. 

To assist in your investigation, I have attached the following : Payment confirmation statements from my financial institution for the disputed months. 
Correspondence between me and XXXX XXXX XXXX regarding this account. 
I demand that this inaccurate information be corrected or removed from my credit report as required by law. If you fail to address this dispute, I may pursue additional remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potentially taking legal action to enforce my rights under the FCRA. 

Please provide me with written confirmation of your investigation results and any changes made to my credit report. You can contact me by phone at XXXX my email is XXXX if additional information is required. 

Thank you for your prompt attention to this matter.

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 2025-01-08 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: WA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ID

Complaint narrative:
My cash app account was closed with no warning and no recourse and no explanation. Support has not answered any questions. Other than I violated tos. I went over their tos and found no violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting an unverified collection account on my credit report. I was never notified of this alleged debt, and I do not believe it is accurate. The original creditor listed could not verify this balance or any other of the account information listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of this debt, but XXXX XXXX XXXX has failed to provide : An explanation of the alleged account balance. A complete payment history and audit trail proving the amount is accurate. Documentation showing I agreed to this debt and authorized its reporting. Proof of legal authority to collect in my state, including their state license. A master bill of sale, purchase agreement, and chain of custody for the debt. Additionally, XXXX XXXX XXXX has violated the FDCPA and the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information, failing to validate the debt, and engaging in deceptive practices that harm my reputation. I demand immediate removal of this account from my credit report. If the account is not removed or properly validated within XXXX days, I will pursue litigation for damages of {$1000.00} per violation, as allowed under 15 U.S. Code 1692k. I have also submitted this complaint to my State Attorney General 's Office and the Better Business Bureau for further action. This account is also reporting misleading information such as inconsistent open dates and the date last active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute accounts that have been reported by your agency on my credit report. ( The accounts referenced are attached ). The accounts referenced was opened or charged fraudulently as a result of identity theft, and I request that it be permanently removed from my credit report. Please note that I have never opened or authorized these accounts. I discovered this fraudulent activity while reviewing my credit report, and I immediately filed an identity theft report ( The affidavit is attached ). In accordance with the fair credit reporting act ( FCRA ) and the fair debt collection practices act ( FDCPA ), I am requesting the removal of these accounts from my credit report, and that you cease all collection activities related to these accounts.

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 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX has a collections account under the collections agency XXXX XXXX XXXX. The account was reported resolved on XX/XX/year> for an amount of {$120.00}. I have sent letters and tried to speak to someone about having the account removed from my credit report, as the account was paid in full. No correspondence or ability to speak to someone has successfully happened.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/year>, the axle on my front driver side broke on my truck and sent me into a bridge causing me to have a major car accident. The officer that responded on scene contacted the next available wrecker service to get me out of the roadway. XXXX XXXX arrived and towed me to their location in XXXX, Texas. I contacted my insurance XXXX immediately to file the claim. XXXX eventually sent an insurance adjuster to the location which deemed my truck as " totaled ''. I called my lender Santander to report the accident after I received information that XXXX would not cover the entire amount owed to my lender. I had Gap Insurance which I purchased when I bought my vehicle. Santander contacted XXXX and when they called me back, they advised they would not cover the reminder of the loan due to XXXX claiming I would be taking possession of the vehicle because they did not want to pay storage fees at XXXX XXXX XXXX XXXX. After the vehicle was deemed " totaled '' I did not sign any paperwork taking possession and I did not take any payment from XXXX. Santander is advising they will not cover my vehicle with XXXX XXXX and that I am responsible for the remaining {$15000.00}. They have impacted my credit negatively where it is making it hard for me to purchase a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
According to FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this account off my credit report unless you can send me proof that I gave you and the creditor the right to report this on my credit report. This is causing me a great deal of mental stress. I will seek legal advice if this is not removed effective immediately. I was also a victim of identity theft and mailbox theft, and information was compromised through more than XXXX credit leak. Please remove these inquiries from my credit report as they are not mines. 


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Company response to consumer: Closed with explanation