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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax XXXX I am writing to demand the immediate removal of fraudulent accounts listed on my credit report that were opened due to identity theft. I recently reviewed my credit report and discovered multiple accounts that I did not authorize and that I have no knowledge of. This situation is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to SECTION 605B of the FCRA it is illegal to report inaccuracies to a consumer 's credit report.

Under the FCRA, Equifax is obligated to investigate and resolve disputed items that result from identity theft in a timely manner. It is clear that these accounts are fraudulent and must be removed immediately from my credit report. The law requires that these items be removed promptly upon my dispute of them, and I expect nothing less. 
I also want to make it crystal clear that Equifax is currently facing legal action for failing to adhere to the guidelines set forth in the FCRA, and I would hate to escalate this matter further by involving my attorney. However, should you fail to comply with this dispute and rectify the error within the legal timeframe, I will have no choice but to bring legal action against you. I will also report your failure to comply with the FCRA to the appropriate regulatory authorities.

This letter serves as my formal request for the immediate removal of the fraudulent accounts in accordance with my rights under the FCRA. I expect your prompt attention to this matter and a resolution within 30 days, as required by law. Please provide me with written confirmation of the removal of these fraudulent accounts. 
I trust that Equifax will take swift action and resolve this issue without further delay. However, should you fail to address this dispute appropriately, I am fully prepared to take all necessary legal actions to protect my rights and seek any damages to which I am entitled. 
Thank you for your immediate attention to this serious matter. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT BALANCE : XXXXXXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT BALANCE : XXXX XXXX  DATE OPENED : 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 — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I requested information from Bridgecrest Auto loan that was given deadline like correct balance, monthly payment the amount is still inaccurate on my credit report even though XXXX, XXXX and XXXX says they investigated just because company said that it was accurate that don't mean their right seems credit bureaus work with the companies instead of the facts

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: TX

Complaint narrative:
I reached out to the creditor and made them aware of my identity theft, but the creditor took no action.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. 
You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

Account Name : XXXX XXXX XXXX XXXX  Account Name : DEPT OF EDUCATIONXXXX XXXX XXXXXXXX -- {$51.00}, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- {$9500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- {$25000.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- {$25000.00} Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXccount 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 XXXXXX/XX/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 — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
So I've been trying to attend school haven't gain access to my fasfa til late 2024 and couldn't attend school until I paid XXXX on XX/XX/year>. That is all you owe. Made the payment received paperwork XXXX loans were paid by borrowers defense and XXXX loans paid in full. But no they kept talking me circles hanging up on me tell me the website is wrong I got XXXX people out of XXXX people to help me investigate. I found multiple Discrepancies. Such as I didn't owe certain money never received disbursements which were paid back into the account it was just a whole lot. I am enrolled in school right now and it shows I owe XXXX they are telly me I owe over XXXX I don't even know I'm fairly confused. It's been on my credit report for over 10 years.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent information to Experian to have removed due to data breach need this removed asap

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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I applied for an auto loan with Navy Federal Credit Union and was subsequently denied due to credit reasons. I have been a long-time account holder with Navy Federal and have significant funds invested in the institution. 

Securing this loan is critical for me, as I rely on personal transportation to commute to work. Currently, I am using XXXX, which has proven to be excessively expensive and unsustainable in the long term. Given my long-standing relationship with Navy Federal and my financial stability within the institution.

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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX CRAs, and they refuse to dispute or investigate the inquiries. LVNV and XXXX XXXX have violated my rights by failing to provide the itemization within 30 days per the CFPB Guidelines. Please delete this account.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Transunion, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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: 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 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 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. 
You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

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 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 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 XXXXXX/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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct.

You guys know its against the laws that protect us consumers to report any info or accounts that have-not been proven to be 100 % accurate!

In the FCRA I read that everything has to be 100 % accurate on my credit file under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate for this violation I can easily get {$3000.00} in a lawsuit against your company!! 

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 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 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 XXXXXX/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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against XXXX and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and Transunion consistently responds within XXXX hours 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, XXXX and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB/s recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB rake action to ensure XXXX and Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
Below I have listed the accounts that have not went through thorough investigation. 
- XXXX XXXX XXXX for {$270.00} - XXXX XXXX XXXX for {$10000.00}

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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year> my AppleCard " virtual '' card number was hacked in addition to my e-mail account hacked. 
The hacker proceeded to successfully open an on-line account at XXXX without my knowledge or consent. The XXXX account was fraudulently opened at XXXX PM on XXXX. The hacker then ordered a XXXX XXXX for {$420.00} at XXXX XXXX. 
I received NO text alerts for this fraudulent transaction from AppleCard!! The transaction was APPROVED by AppleCard. At XXXX XXXX  the order was " XXXX for Pickup ''. 
At XXXX XXXX  the order was picked up at XXXX on XXXX XXXX. The XXXX was given to the hacker without identification. 
On XX/XX/year> I noticed the fraudulent transation and a declined SECOND transaction at XXXX. 
I contacted AppleCard to report stolen credit card and fradulent transaction of {$420.00}. In addition I contacted XXXX to report fraudulently created on-line XXXX account. 
AppleCard has not reversed this fradulent transaction. In addition their system is not designed to send text alerts for ALL transactions equal to or greater than {$1.00} All my other credit cards have the ability to set text alerts for ALL transactions of {$1.00} or more. This prevents fraud and " fishing ''. 
I visited XXXX to determine how someone with stolen identity can pick up items. XXXX advised me to file a police report to examine who stole the merchandise. 

I have yet to receive credit from AppleCard for this fraud.

Company response to consumer: Closed with 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 — Old information reappears or never goes away
Company: DISCOVER BANK
State: AZ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, requested account be removed from my reports card was not mine I did not agree to be a user or signer took 3 years to get anything done Dicover Card XXXX limit was not my account was fraud

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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief