vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I am writing to formally dispute the issues regarding civil liability and negligence noncompliance in relation to the information you are reporting under my credit profile. Specifically, I am referencing Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds parties responsible for negligent failure to comply with the standards outlined in the FCRA.

Upon review of the information, you provided or are maintaining, I have identified discrepancies and possible violations that warrant your immediate attention. The items, as well as any potential inaccuracies or omissions in the reporting, raise concerns of negligence that may be in violation of the FCRAs strict requirements. I dispute multiple inaccurate accounts, names, addresses and incorrect negative payment history from XXXX. 

As per Section 1681o, I am requesting a thorough investigation into these matters to verify the accuracy and completeness of the information being reported. I also request that you correct any inaccuracies promptly and issue a written statement confirming your findings and the actions taken.

Please be advised that under this section, a failure to comply with the regulations of the FCRA may subject your company to civil liability for damages resulting from negligence. Given the nature of the disputes outlined above, I expect prompt corrective measures. If I do not receive a satisfactory
response within the legally required timeframe of 30 days, I will be compelled to seek legal remedies available under the FCRA, including pursuing damages as outlined in Section 1681o for any negligence.

I trust that this matter will be handled with the seriousness and urgency it deserves. Kindly confirm receipt of this letter and provide a written response outlining the steps your company will take to investigate and rectify these issues. Should you require further documentation or details to assist in the dispute resolution, please do not hesitate to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to resolving these issues swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I am writing to formally dispute the issues regarding civil liability and negligence noncompliance in relation to the information you are reporting under my credit profile. Specifically, I am referencing Section 1681o of the Fair Credit Reporting Act ( FCRA ), which holds parties responsible for negligent failure to comply with the standards outlined in the FCRA.

Upon review of the information, you provided or are maintaining, I have identified discrepancies and possible violations that warrant your immediate attention. The items, as well as any potential inaccuracies or omissions in the reporting, raise concerns of negligence that may be in violation of the FCRAs strict requirements. I dispute multiple inaccurate accounts, names, addresses and incorrect negative payment history from XXXX. 

As per Section 1681o, I am requesting a thorough investigation into these matters to verify the accuracy and completeness of the information being reported. I also request that you correct any inaccuracies promptly and issue a written statement confirming your findings and the actions taken.

Please be advised that under this section, a failure to comply with the regulations of the FCRA may subject your company to civil liability for damages resulting from negligence. Given the nature of the disputes outlined above, I expect prompt corrective measures. If I do not receive a satisfactory
response within the legally required timeframe of 30 days, I will be compelled to seek legal remedies available under the FCRA, including pursuing damages as outlined in Section 1681o for any negligence.

I trust that this matter will be handled with the seriousness and urgency it deserves. Kindly confirm receipt of this letter and provide a written response outlining the steps your company will take to investigate and rectify these issues. Should you require further documentation or details to assist in the dispute resolution, please do not hesitate to contact me at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to resolving these issues swiftly.

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 2025-02-08 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: IL

Complaint narrative:
I am a victim of identity theft and my personal information was bought and sold illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. i am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done absolutely nothing about it. Please help me Delete these illegal accounts from my credit reports. 

THESE ADDITIONAL FRAUDULENT AND ERRONEOUS ITEMS NEED TO BE DELETED IMMEDIATELY : 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 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
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft and my personal information was bought and sold illegally because I was a victim of the Equifax Data Breach. I want these items Deleted from my credit reports effective immediately. i am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done absolutely nothing about it. Please help me Delete these illegal accounts from my credit reports. 

THESE ADDITIONAL FRAUDULENT AND ERRONEOUS ITEMS NEED TO BE DELETED IMMEDIATELY : 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 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I'm not sure what happened, but I noticed collections, debts, and charge-offs on my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX , I.C . System, and XXXX. I strongly believe these issues may be linked to the XXXX and XXXX data breaches.

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 2025-02-08 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
XXXX XXXX  # XXXX acct XXXX XXXX XXXX XXXXXXXX charge off XXXX XXXX, {$4800.00} it says closed XXXXAbility Recovery  XXXX an XXXX XXXX {$920.00} opened XX/XX/year>, an XXXX XXXX  {$440.00} an according to 15 USC 1681B an 15 USC 1681- ( c ) ( a ) I never gave permission to use my info to any of this please remove all this faulse information off my report please along with these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all wrong information an these names not mine names ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an XXXX XXXX XXXX aren't me at all

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 2025-02-08 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: CA

Complaint narrative:
There an account on my credit report that was closed yet it's still reporting that I am late. This practice using personal credit information is fraudulent and illegal. I demand that this account be removed from my credit report and any other accounts that are closed but also may be affecting my credit.

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 2025-02-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: AZ

Complaint narrative:
I have a vehicle loan on my account I took out XX/XX/XXXX. The account has never been transferred, refinanced or changed in any way during the time I had the vehicle. I traded this same vehicle in XX/XX/XXXX and the account was paid and closed. Currently, this same account is reporting 3 times on my credit reports with slightly different open dates along with with payment history which is inaccurate. I have disputed this online and in writing to each of the credit bureaus over the years. I have reached out to the creditor for them to fix the error as well to no avail. I have done everything I know, however, the account continues to report erroneously on all three.

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 2025-02-08 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: AZ

Complaint narrative:
I have a vehicle loan on my account I took out XX/XX/XXXX. The account has never been transferred, refinanced or changed in any way during the time I had the vehicle. I traded this same vehicle in XX/XX/XXXX and the account was paid and closed. Currently, this same account is reporting 3 times on my credit reports with slightly different open dates along with with payment history which is inaccurate. I have disputed this online and in writing to each of the credit bureaus over the years. I have reached out to the creditor for them to fix the error as well to no avail. I have done everything I know, however, the account continues to report erroneously on all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding an erroneous collection account reported on my credit report. I have reviewed my credit report and I discovered collection account under my name that does not belong to me.

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 2025-02-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding an erroneous collection account reported on my credit report. I have reviewed my credit report and I discovered collection account under my name that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am the recipient of XXXX XXXX XXXX XXXX. And request XXXX to make payment to Mohela on my behalf. 

I requested that a check for {$3800.00} be sent from XXXX in early XXXX to pay off my loans. According to XXXX, the request status is " Accepted by the Institution, '' and a Check Trace Inquiry ( XX/XX/year> ) indicates the check has been reconciled on XX/XX/year>. However, this payment is not reflected in my loan payment history. 

XXXX : Check Trace [ Incident : XXXX ] Payee ID : XXXX Check Number : XXXX Status : Reconciled Payee Information : DEPARTMENT OF EDUCATION - MOHELA MOHELA - DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX MO Original Issue Amount : {$3800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by XXXX U.S.C XXXX, 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 these fraudulent accounts 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, these collections were 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 these accounts. 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 non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Dear CFPB Service, I am writing to formally express my serious concern and dissatisfaction regarding the unexpected closure of my Chase bank account. I was neither informed in advance nor given any explanation for this action. Moreover, all my funds remain frozen in the closed account for over ten days, leaving me unable to cover critical financial obligations.

As a result of this unjustified closure, I am now facing severe financial difficulties, including but not limited to : 1. Inability to pay my childs education expenses.

2. Inability to pay my home mortgage.

3. Inability to make credit card payments.

4. Complete lack of access to my personal funds.

Chase Bank had ample opportunity to notify me in advance regarding this account closure, yet I did not receive any prior warning, written notice, or explanation. This has put my family under extreme financial strain, and I demand an immediate response regarding the following : 1. The exact reason for my account closure.

2. The timeline and process for the release of my funds.

3. Why I was not given any prior notice before my account was closed. 

I request an urgent resolution to this matter. If I do not receive a satisfactory response within 10 day, I will be compelled to escalate this issue to regulatory authorities, consumer protection agencies, and, if necessary, seek legal action to recover my funds. 

I expect your prompt attention to this matter and a detailed response at your earliest convenience. Please contact me immediately via the information provided above. 

Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
XX/XX/XXXX my card was hacked and used multiple times at XXXXXXXX XXXX XXXX and a bunch of other random times. Totaling XXXX plus dollars. I contacted cash app and they did an investigation saying that all the transactions were legit. That I swiped my card at all these locations XXXX miles away. When I have transactions minutes before in XXXX, Arkansas. Subsequently I was out all of that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 disputed account XXXX XXXX XXXX XXXX account XXXX opened on XX/XX/XXXX on my credit report with Experian and there not sending me the information I asked for or fully investigating the account because it keeps coming back accurate. 
I payed this account off in XXXX. 
This account say that it has late payments and also it was written off. Written off means that it was filed on a 1099 that I never received. 
I would like copies of the -1099 for the write off. 
-proof of identity. 
-proof of the account/payment history. 
-proof of when I payed the account off in XXXX. 
15 u.s code 1681a ( 2 ) ( Ai ) 15 u.s code 1666 ( a ) 15 u.s code 6802 15 u.s code 1681i ( a ) 15 u.s code 1681b2

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
XXXX I saw that my account was being hacked and I told cash app I have a direct deposit of XXXX XXXX dollers that will be in my account can y'all fix this they said they fixed so what do you know my job sent the money that Thursday the hackers changed all my info and bout bit couns all the XXXX XXXX XXXX

Company response to consumer: Closed with explanation