vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NJ

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

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

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$52000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff XXXX XXXXXXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

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

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

Items that need attention : XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff XXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$52000.00} Chargeoff XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$12000.00} Chargeoff XXXX XXXXXXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance : {$10000.00} Chargeoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance : {$13000.00} Chargeoff XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
Called XXXX XXXX to see about a debt that is on my credit report told them to send me proof of debt the amount owed or anything representative stated no she will not. Asked if I can contact Montgomery ward to get this information she stated it was sold to us we take care of it and no we will not send anything and I stated well I do t know if it's mine I'm not paying it ... representative them stated we'll don't pay it. If I can't get proof the debt is mine it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. Please remove all fraudulent accounts from my credit report. This is hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
Re : Dispute of Account Information Account Name : AMSHER COLLECTION SERVIC Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the accuracy of the information listed for the above-mentioned account in my credit file under Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ). According to this provision, credit reporting agencies are required to maintain accurate and complete information in consumer reports. 

The account listed by AMSHER COLLECTION SERVIC with account number XXXX shows a collection account with a reported balance of {$750.00}, which was last updated in XX/XX/XXXX. The information listed under the account is incomplete and inaccurate. I believe that there are discrepancies that need to be investigated and corrected. Specifically, I would like to dispute the following : 1. Date Opened : The account indicates a date opened of XX/XX/XXXX, which appears inconsistent with the timeline of the collection process. 
2. Account Status : This account is marked as a collection account, but I have no record of being contacted by the creditor regarding this balance. I request that the creditor provide proof of the debt or validate the collection account.

3. Payment History : The payment history indicates that the account has been marked as a collection account from XX/XX/XXXX through XX/XX/XXXX, but I have no record of any payment being applied or any formal agreement with the creditor. I request verification of the payment history and any records of communications made regarding this debt. 

Under Section 1681i of the FCRA, I request that the credit reporting agency investigate this matter and provide a resolution. I ask that the disputed information be verified or removed if it is found to be inaccurate. Please provide me with a written response to confirm the steps being taken to resolve this issue and the outcome of your investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/24 - XXXX XXXX XXXX ( {$320.00} ) reporting to all three agencies without my consent or acknowledgment. 
XXXX Portfolio Recov Assoc ( {$290.00} ) I have no knowledge of this account or its creditor XXXXXXXX XXXX XXXX XXXXXXXX ( {$1300.00} ) unfair practices on this account XXXX XXXX XXXX XXXX XXXX {$520.00} ) Inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XX/XX/year> - XXXX XXXX XXXX ( {$320.00} ) reporting to all three agencies without my consent or acknowledgment. 
XXXX XXXX  XXXX XXXX XXXX {$290.00} ) I have no knowledge of this account or its creditor XXXX Sunrise Credit Service ( {$1300.00} ) unfair practices on this account XXXX XXXX XXXX XXXX XXXX {$520.00} ) Inaccurate reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have contacted XXXX multiple times regarding inaccuracies in my credit report, specifically incorrect mortgage balances and inaccurate credit card balances with XXXX. Despite my repeated efforts, I continue to face difficulties in getting these issues resolved. This ongoing problem is now directly affecting my livelihood, and I need it addressed immediately. 

XXXX 's last reporting date was XX/XX/XXXX. 
Rocket Mortgage 's last reporting date was XX/XX/XXXX. 
Rocket Mortgage XXXX XXXX last reporting date was XX/XX/XXXX. 

None of these have been updated since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against cash app ( block , inc ) due to inadequate practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the continued reporting of XXXX XXXX XXXX account number XXXX on my credit report. Per my previous dispute ( s ) and the outcome of your investigation ( s ), this account was determined to be inaccurate/unverifiable/erroneous, and I was informed that it would be deleted. However, as of my most recent credit report, this account remains on file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), credit bureaus are required to delete or correct inaccurate or unverifiable information within 30 days of a dispute. Since you have already determined that this account should be deleted, I demand immediate compliance with this requirement.

Action Requested : 1. Immediately remove the [ account from Experian, Equifax, XXXX 2. Provide written confirmation that the account has been permanently deleted. 
3. Update and send me a new copy of my corrected credit report. 

Failure to comply with this request may result in me taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies as provided under the FCRA.

I have attached copies of my previous dispute letters and any responses I received for your reference. Please correct this issue immediately and confirm compliance in writing. 

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 2025-02-03 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: OH

Complaint narrative:
I recently ordered copies of my credit reports, and discovered numerous accounts that do not belong to me, which means that i am not the one who opened these accounts. i am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
This company XXXX XXXX has without my consent sent a background report to a potential employer without first verifying the information. I have since resolved the matter with other public information agencies having the inaccurate information removed and updated reports sent out to the employers butXX/XX/XXXX XXXX has no phone number to speak with anyone theXX/XX/XXXX based live chat has no resolution and I am without employment due to the inaccuracies and defamation being reported. An updated background report needs to be sent out to every employer they sent the inaccurate report to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform., leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TN

Complaint narrative:
There are unauthorized hard inquires from XXXX XXXX XXXX. I did not apply for these credit cards and I called Experian on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquires remain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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