vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: MI

Complaint narrative:
I am writing to formally request a re-investigation of the inaccurate information that remains on my credit report despite my initial dispute. This is my second attempt to correct this error, as the previous response failed to provide adequate verification as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

Account : XXXX XXXX XXXX XXXX XXXXcount Number : # 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were on my consumer report fraudulently and were removed then came back unknowingly

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement.

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 2025-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: LA

Complaint narrative:
I disputed them last year and he constantly harassed my phone numbers and brought down my credit score of {$1700.00} debt that I do not owe them. This collection is old and it constantly harassing me through email and text and phone I previously talked to him two years ago and disputed it and it still keep coming back even though they took it off my credit report and but they still keep coming back. I need this to stop. it is Jefferson capital systems LLC. Thats causing the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
This situation is beyond frustrating and completely unacceptable. Imagine waking up one day to find yourself burdened with a debt youve never incurred, unverified and completely foreign to you. On top of that, I am being bombarded with relentless harassment from various communication channels, using different tactics to pressure me. The thought of facing legal threats over something I have no connection to is both infuriating and distressing. As a responsible and law-abiding citizen, I find it deeply insulting that my consumer rights are being blatantly violated. This ongoing issue has taken a serious toll on my mental health, leaving me exhausted and anxious for days.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
All three major Credit bureaus have continuously allowed XXXX XXXX XXXX to report a negative collection account on my personal credit reports. XXXX XXXX XXXX has called me and harassed me over this for several years. They have refused to cease and desist with this process. The credit bureaus have constantly ignored all of my disputes and requests to block and or remove this in accurate information on my reports. It is fraudulent misleading, and based on non-conforming information.

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 2025-02-17 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:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-17 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-02-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and was alarmed to find unauthorized inquiries from companies I have never engaged with. I have not applied for any new credit, nor have I given consent for these inquiries to be made. These unexpected activities are deeply concerning and raises serious questions about the security of my personal information. As someone who takes financial privacy seriously, I find it unacceptable that these inquiries were conducted without my permission.

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 2025-02-17 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:
Dear CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for repeatedly reporting inaccurate information on my credit report, despite my numerous disputes. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, All the creditors and collection agency listed above is required to investigate disputed information within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.

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 2025-02-17 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: MI

Complaint narrative:
I recently obtained a my Experian credit report and noticed the following account : XXXX XXXX XXXX XXXX XXXX I WOULD LIKE A re-investigation of this account XXXX theyre still inaccurate data. Please support all findings with data and documents to back up your claims. 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 2025-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Recovery Corporation
State: CO

Complaint narrative:
Dear CFPB, I am writing to formally dispute an unexpected {$40.00} copayment for an XXXX XXXX  that was ordered by my XXXX. I was not informed about this additional fee, and now the bill is being sent to collections without any prior acknowledge or sign agreement or communication regarding this charge. 

I believe this situation is unfair and request your assistance in resolving this matter. I kindly ask that you review my case and help ensure that this incorrect billing is corrected. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I FOUND OUT THA SOME ACCOUNTS WERE OPEN FRAUDUNLENTLY WITH MY INFORMATION IN XXXX AND XXXX. THE AMOUNTS ARE {$27000.00} - {$75000.00} AND {$43000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit report and was alarmed to find an unauthorized inquiry from a company I have never engaged with. I have not applied for any new credit, nor have I given consent for this inquiry to be made. This unexpected activity is deeply concerning and raises serious questions about the security of my personal information. As someone who takes financial privacy seriously, I find it unacceptable that this inquiry was conducted without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: WI

Complaint narrative:
I pulled my credit in XXXX of XXXX, to discover a collection for bad debt placed on my credit report from XXXX XXXX with no explanation as to what it was. I filed a dispute with XXXX because the phone number for the company listed did not work : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX and no other information was listed as to what this debt was for. I later discovered that the debt was from a timeshare in XXXX I attempted to cancel entirely in XXXX. Please note, this timeshare was supposed to be in my business name and I never gave them my social security number, only the business name. I paid almost {$10000.00} total including a {$4500.00} deposit and was never able to use the timeshare at all. They would never answer the phone and was never able to book online. When I did get someone on the phone they always told me every date I attempted to use it was booked. Because at no time did I agree to this and even was promised this would not impact my credit at all, I am filing a complaint against this collection agency for violating FCRA 15 U.S.C. 1681. This company used other means to falsely assign a debt to my credit profile which is a violation of FCRAs accuracy and verification requirements. The law states furnishers of credit information must establish procedures to ensure accuracy before reporting a debt. This is also a violation of FDCPA for misleading debt collection practices, specifically implying that I owe a debt and reporting it to credit bureaus under my name without proper authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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, 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 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because Equifax has failed to report my authorized user account from XXXX  XXXX credit card ( Account Number : XXXX XXXX XXXX XXXX ), despite confirmation from XXXX  XXXX that they have sent the account information to all three major credit bureaus, including Equifax. 

Background of the Issue : I was added as an authorized user on the above-mentioned XXXX XXXX credit card ( XX/XX/year> ). 
XXXX XXXX has confirmed multiple times that they report my account to all three credit bureaus ( XXXX, XXXX, and Equifax ). 
My XXXX and XXXX credit report reflects the XXXX XXXX account correctly. However, Equifax has not reported this account. 

I previously filed a complaint with the CFPB against XXXX XXXX regarding this issue. In response, XXXX XXXX confirmed that they are correctly reporting to Equifax and even sent an additional request to Equifax ( Confirmation Number : XXXX ). 
Despite this, my Equifax credit report still does not show the account. 
Steps Taken to Resolve the Issue : Contacted XXXX XXXX, which confirmed multiple times that they are reporting my account to Equifax. 
Filed a CFPB complaint against XXXX XXXX, which resulted in them resubmitting my account information to Equifax. 
Waited for Equifax to update my credit file, but the account remains missing. 

Attachments : Copy of my Equifax credit report showing the missing XXXX XXXX account. 
Copy of the CFPB response from XXXX XXXX confirming they report to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I received a prepaid debit card as part of the Equifax settlement in the amount of {$7.00}. I have followed the directions they sent me but am unable to use the card. I tried to use it on XXXX ( since their is no name on the card this did not work ), add to my XXXX XXXX, as well as use in XXXX XXXX XXXX XXXX The phone number they gave me for customer service has a recorded message which does not address my issue and then it disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 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 2025-02-17 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:
Equifax is not properly addressing my XXXX XXXX XXXX  status and is refusing to remove inaccurate credit information related to my XXXX  experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX Experian, XXXX  - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-17 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX Experian, XXXX  - XX/XX/XXXX Equifax, XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief