vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Experian for FCRA Violations and Dispute Negligence Dear CFPB Representative, Im filing this complaint because Experian has been dragging their feet, violating the Fair Credit Reporting Act ( FCRA ), and refusing to fix the inaccurate information on my credit report. Since XX/XX/XXXX, Ive been trying to get them to do their XXXX job, but they continue to play games with my disputes. 

Despite providing everything theyve asked formy ID, utility bills, and detailed explanationstheyve sent me dismissive form letters claiming my disputes arent authorized. Thats total XXXX. Im the one submitting the disputes, and they know it. 

The FCRA requires them to investigate disputes and resolve them within 30 days, but its now been over XXXX months with no resolution. This is a blatant violation of federal law and has caused me unnecessary stress and financial harm, including denied credit applications and increased costs. 

Heres the mess Experian has left me with : 1. Failure to Investigate : Experian has ignored my disputes and continues to allow inaccurate and unverifiable information to sit on my credit report.

2. Excuses and Delays : Theyve sent letters claiming my disputes werent authorized, even though Ive provided proof of my identity multiple times.

3. FCRA Violations : Theyve exceeded the 30-day timeline to resolve disputes, which is a clear violation of my rights under federal law. 

Im demanding that the CFPB take immediate action to hold Experian accountable. Specifically, Im requesting : 1. An investigation into why Experian has failed to resolve my disputes within the legally required timeline.

2. Removal of all inaccurate and unverifiable information from my credit report.

3. Assurance that Experian will comply with the FCRA in handling my future disputes.

Ive attached copies of Experians correspondence, including letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which clearly show their refusal to take my disputes seriously. 

Im tired of being ignored and mistreated by a company that is supposed to act in compliance with federal law. I trust the CFPB will take action to ensure Experian is held accountable for their negligence and outright disrespect. 

Sincerely, XXXX XXXX XXXX Attachments : Experian Correspondence ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) Supporting Documents ( ID, utility bills, etc. )

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 2025-01-22 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: PA

Complaint narrative:
I disputed this month 's ago and it was removed. Now, I'm not sure what kind of magic they added. But this thing is back on my credit report, and I'm not paying for someone else 's criminal activity. 
The credit card was being paid but not being used often. One day I noticed my balance wasn't decreasing at all even after making payments, then I started to investigate and found out there was transactions made at a XXXX  in XXXX. Immediately I knew my card info leaked. In America we call that FRAUD/SCAMMING. Someone made XXXX or XXXX purchases AT THE STORE which caused my accounts balance to continue to stay high. Thing is, during the dates of the transaction back in XX/XX/XXXX - XX/XX/XXXX year 2022 I was in XXXX XXXX at the XXXX XXXX in New Jersey. Which is miles and MILES away from XXXX. I even had tickets to see XXXX XXXX perform live on XX/XX/XXXX. I STILL have the tickets and purschase info. So my QUESTION is how can I go INSIDE a XXXX  XXXX  IN XXXX and also be at XXXX XXXX stand up show in XXXX XXXX all at the SAME TIME? When i first called and mentioned this the bank failed to provide me with a legit answer and said they'll investigate. From what I've experienced when a bank INVESTIGATES fraud activity or unknown transactions they call the customer to verify other past and present transactions. Well that wasn't done they never even asked if ever been to XXXX. And if you check my previous transactions under that credit card there's NEVER BEEN ANY PURCHASES IN XXXX. That should've been an immediate RED FLAG. Another additional information is that this bank didn't have any fraud PREVENTION ALERTS. If I would've been notified about the transactions made in XXXX via text or email. I could've replied VIA TEXT OR EMAIL and said '' No Do Not Approve '' to stop the transaction from happening. Days later they still said I'm responsible even though I spoke in details about being in XXXX XXXX during the transactions. We are talking about a balance of {$160.00}. I have the money, but I will never pay this. I rather pay a LEGIT DEBT of {$2000.00} that I genuinely did than pay a fraud debt of {$160.00}. I will never pay for someone else 's crime. I'm a victim of fraud while still having possession of the PHYSICAL CARD. That's the part that shocked me the most. Whoever scammed me had my card info without having my actual card. Even after the bank sent me a NEW CARD. Let 's not FORGET THIS WAS DURING COVID 19 TIMES. Scamming and fraud was at a all time high. I stop dealing with them and never activated the new one in fear that the same thing would happen and I would still be held responsible. I lost trust in them and felt like they were more against me. As if fraud or scam isn't possible in today 's world.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-22 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: VA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TN

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-01-22 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: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain 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 2025-01-22 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: NM

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain 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 explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The property tax bill of {$8500.00} was due on XX/XX/XXXX but payment of {$8900.00} was not received by the town until XX/XX/XXXX after multiple calls and emails. This payment included {$340.00} in late payment fees which should be due to the mortgage servicer but instead, was deducted from our escrow account. Multiple emails with documentation were sent to the servicer and we have received almost weekly letters saying " due to the complex nature of the matter, Shellpoint requires additional time ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a car loan through Regional Acceptance. 3 months after I bought the car, my car was parked in front of my home and was hit by an intoxicated driver, which flipped my car into my neighbors yard, and my car was totaled. The driver took off running before the sheriffs arrived. I had full coverage car insurance through XXXX. My accident was in XX/XX/year>. XXXX paid off the vehicle loan and confirms Regional Acceptance cashed the check from XXXX in XX/XX/year>, the day after they received it. Regional Acceptance states on my credit report I missed XXXX payments after that, however, there were no payments to be made, as the debt had been completely paid for. They were going to continue until I had bought a different car and because my credit score was affected by the lie from Regional Acceptance, the dealership was going back and forth between XXXX  and Regional Acceptance, which then Regional Acceptance finally stopped adding months of nonpayment to my credit score. I believe this is fraud and is still negatively affecting my credit, when my payments were in good standing. I was not late 3 months.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
I has funds taken from my account when my phone was stolen while attending a court hearing. My phone case has my debit card and ID in there. I reached out to cash app immediately to cut off my card and report it stolen when I got home from court. By the time I got home there was 4 transactions on my card. Three of the transactions were declined by my bank but two of them went thru. There were two charges that went thru for {$300.00} and {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries listed on my consumer credit report, as referenced below. These entries appear to be the result of a data breach, fraud, or unauthorized activity. I request verifiable proof, including my signature or electronic signature, for any transactions or inquiries associated with these entries. 

Please note that I am submitting this letter on my own behalf, not through a third party. I ask that you carefully review this matter, as I did not authorize these actions. These unauthorized entries represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from a data breach or fraud, and Section 604 ( 15 U.S.C. 1681b ), which defines permissible purposes for consumer reports.

I have already contacted the relevant companies and discovered that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they should be classified as a result of a data breach or illegal reporting by creditors or third-party data furnishers. 

I request that you conduct a thorough investigation into this matter and take appropriate action to resolve these discrepancies as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Ive sent money and it has returned to me 2 times for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was given given multiple hard inquiries on my credit report without my consent.

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