vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-02-15 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: TX

Complaint narrative:
I am filing a complaint AGAIN against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA )., which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), as highlighted in the CFPB 's recent administrative proceeding ( File Number : XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Below are the accounts reported for inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. No one is sending me information verifying the debt. It is well out of the 15 day window and I demand each account be deleted. I am not asking for confirmation through a data furnisher. You all have not thoroughly looked into this, therefore it is not validated. Remove each account immediately. This is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FREEDOM FINANCIAL NETWORK
State: MN

Complaint narrative:
This is a follow up complaint against Achieve Personal Loans. Achieve Personal Loans provided debt validation without an original signature and a bunch of itemized documents and printouts of bills. The alleged signature did not look like mine either. I have no knowledge of this account. The original company named Freedom Plus has been deleted multiple times from the credit bureaus for violations against the FCRA. Achieve Personal Loans is violating Fair Credit Reporting Act XXXX ( but not limited to other sections ). It is the furnishers duty to provide accurate information. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. As the consumer Im stating this account reporting against me is inaccurate and not correct. This account is violating the Fair Credit Reporting Act via Section XXXX and Negligent Enablement of Identity Fraud, Defamation, and numerous other FCRA sections XXXX Achieve Personal Loans told me to address my questions and concerns with XXXX XXXX XXXX but they aren't reporting this inaccurate account against me. Im addressing Achieve Personal Loans for violating my rights under the FCRA and reporting an erroneous account against me. This is my final dispute to clear this matter up. I have kept good records and will be seeking legal action against Achieve Personal Loans, if this account is not removed in the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: MD

Complaint narrative:
I contacted XXXX XXXX, a XXXX XXXX  with NO CONTRACT, on multiple attempts requesting validation of in accordance with 15 USC 1692g which the company never responded to. On XX/XX/XXXX, I sent out these notices attached below notifying the company of my intent to arbitration due to their default and violation of the FDCPA specifically : 15 U.S.C. 1692g ( a ) - ( b ) ( Validation of Debts ) : They have not provided adequate documentation or explanation verifying the debts legitimacy despite my timely dispute. 
15 U.S.C. 1692d ( XXXX XXXX XXXX  ) : Continued collection efforts without proper validation or investigation of my dispute could be construed as harassing or unfair. 
15 U.S.C. 1692c ( Communication in Connection with XXXX XXXX ) : They have seemingly ignored my requests for cessation of collection activities until the debt was validated, as outlined in my affidavit. 
Please see the attached affidavit for the detailed breakdown. 

I received a very brief response from the company stating " I received your request. Here 's an account summary which validates the debt. '' In which the account summary they provided did not validate the debt at all according to 15 USC 1692. The company ignored my detailed response of showing how reporting the invalidated debt is noncompliance of the FDCPA. I requested cessation of collection affect which also include reporting the information to my consumer report, which they were noncompliant by still reporting. I also broke down how they are committing aggravated identify theft and they still continue to report. 

The company is showing no remorse for their actions as I continue to support due to these collections appearing on my report WITH NO PERMISSIBLE PURPOSE. Additionally, the company responded with a general letter. Affidavits must be rebutted by affidavits, arguing point by point. If an affidavit is not responded to it in fact stands true in commerce and as of now, XXXX provided no affidavit in response and continues to violate the FDCPA. Please see attached documents for great detail.

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 2025-02-14 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: MD

Complaint narrative:
I contacted XXXX XXXX a XXXX XXXX  with NO CONTRACT, on multiple attempts requesting validation of in accordance with 15 USC 1692g which the company never responded to. On XX/XX/XXXX, I sent out these notices attached below notifying the company of my intent to arbitration due to their default and violation of the FDCPA specifically : 15 U.S.C. 1692g ( a ) - ( b ) ( Validation of Debts ) : They have not provided adequate documentation or explanation verifying the debts legitimacy despite my timely dispute. 
15 U.S.C. 1692d ( XXXX XXXX XXXX  ) : Continued collection efforts without proper validation or investigation of my dispute could be construed as harassing or unfair. 
15 U.S.C. 1692c ( Communication in Connection with XXXX XXXX ) : They have seemingly ignored my requests for cessation of collection activities until the debt was validated, as outlined in my affidavit. 
Please see the attached affidavit for the detailed breakdown. 

I received a very brief response from the company stating " I received your request. Here 's an account summary which validates the debt. '' In which the account summary they provided did not validate the debt at all according to 15 USC 1692. The company ignored my detailed response of showing how reporting the invalidated debt is noncompliance of the FDCPA. I requested cessation of collection affect which also include reporting the information to my consumer report, which they were noncompliant by still reporting. I also broke down how they are committing aggravated identify theft and they still continue to report. 

The company is showing no remorse for their actions as I continue to support due to these collections appearing on my report WITH NO PERMISSIBLE PURPOSE. Additionally, the company responded with a general letter. Affidavits must be rebutted by affidavits, arguing point by point. If an affidavit is not responded to it in fact stands true in commerce and as of now, XXXX provided no affidavit in response and continues to violate the FDCPA. Please see attached documents for great detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
i was in the hospital with a XXXX XXXX i was given many tests and XXXX XXXX XXXX XXXX XXXX i can not handle the stress of this bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: UT

Complaint narrative:
This is my final

notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This is my final

notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: Credit Karma, LLC
State: CA

Complaint narrative:
A hard inquiry was pulled against my credit from a company called Autopay, operating out of XXXX. They claim consent was given to them from credit karma. My credit karma account was hacked and I do not have access to it. Credit karma is uncontactable by phone and I expressly did not give consent to any credit inquiry. I do not need anything from any lender and I did not apply for anything. I demand they remove this fraudulent credit inquiry from all three credit reporting agencies. I have since changed the login details on credit karma to protect the account. I did not give consent to any such companies on XX/XX/year> to access my credit for my reason, I did not apply for anything credit karma or autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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 2025-02-14 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: MA

Complaint narrative:
I am extremely disappointed with Experians handling of my credit dispute. They were reporting incorrect information on my account, with details that did not match up and numerous inaccuracies. I exercised my right to dispute these errors, expecting a thorough investigation as required under the Fair Credit Reporting Act. However, instead of conducting a proper review within the 30-day period, they prematurely closed the investigation in just five days without making a single correction. 

When I checked my credit report, I was shocked to see that nothing had changed. The same inaccurate information remains, which is not only an insult but also a clear violation of consumer rights. If they can not provide evidence to support their reporting, then they should not be allowed to continue displaying false information that negatively impacts consumers. 

This experience has been frustrating, unfair, and completely unacceptable. Experian needs to be held accountable for failing to conduct proper investigations and for disregarding the rights of consumers. I would advise anyone dealing with them to be extremely cautious and to document everything, as they do not seem to take disputes seriously.

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 2025-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I understand that was I was behind on my note. I asked the company for more time and they took the car without telling me that it would be repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-14 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: CA

Complaint narrative:
I recently checked my credit report and found accounts that I do not recognize. I have never opened or managed these accounts, yet they are being reported under my name. This is a serious issue, as it presents false information about my financial history, and I need immediate clarification on why this is happening.

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 2025-02-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-14 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: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-02-14 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:
the following accounts are not mine, my information was exposed during the data breach XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX Installment ( Account # XXXX XXXX XXXX XXXX XXXX Revolving ( Account # XXXX ) I am a victim of identity theft. This account must be deleted immediately. 
XXXX XXXX XXXX Installment ( Account # XXXX ) - XXXX XXXX  XXXX Installment ( Account # XXXX ) XXXX  / XXXX  Revolving ( Account # XXXX ) - Opened : XX/XX/2022 XXXX XXXX XXXX  Revolving ( Account # XXXX ) XXXX XXXX XXXX Collection ( Account # XXXX )

Company response to consumer: Closed with non-monetary relief