vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
The company refuses to send me bills or statements for my card. The only communication I receive from them is the occasional phone call telling me to pay the bill. In XXXX, they updated my mailing address but still sent me no bill and then in XXXX took payment and marked my account late/delinquent. The account would be paid on time and in full if proper notification would be sent. I cant pay what I dont know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Johnson Mark LLC
State: TX

Complaint narrative:
JONHNSON MARK LLC., ET., AL., ETC., IS IN VIOLATION OF 15 U.S. CODE 1681 ET., SEQ. : SECTION 603 THRU 629 ET., AL., I AM AGREIVED AND DAMAGED.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I have unauthorized and or fraudulent addresses and inquiries on my consumer file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I spoke with mountain land collections to see what bill I was supposed to pay. They had told me they billed XXXX and didnt receive payment. I told them to rebill select health which was my primary insurance and then bill XXXX. I spoke with select health and they stated they would pay even with it being a year. Mountain land collections never rebilled, and now the bill is sitting in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Subject : Demand for Removal of Inaccurate Negative Items Under XXXX U.S. CXXXX XXXXXXXX Civil Liability for Noncompliance To Whom It May Concern, I am writing to formally dispute the accuracy of negative items on my credit report and demand their immediate removal. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlights ongoing failures in properly investigating credit report errors, violating the Fair Credit Reporting Act ( FCRA ). Given this, I have reason to believe that your agencies have engaged in improper investigative practices regarding my disputes. 

Under XXXX U.S. CXXXX XXXX, you are legally liable for damages resulting from negligent noncompliance with the FCRA. Failure to conduct thorough, fair, and timely investigations into my disputes constitutes a clear violation of this statute. I have previously disputed the following inaccurate negative items, yet they remain on my credit report : [ List the specific accounts, creditors, or inaccuracies you are disputing ] As mandated by the FCRA, I request the immediate removal of these negative items from my credit report and a written confirmation of their deletion. If your agencies fail to comply, I am prepared to pursue all legal remedies available, including seeking damages for your negligence. 

Please provide a written response confirming compliance within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
Subject : Demand for Removal of Inaccurate Negative Items Under XXXX U.S. CXXXX XXXXXXXX Civil Liability for Noncompliance To Whom It May Concern, I am writing to formally dispute the accuracy of negative items on my credit report and demand their immediate removal. Recent legal action by the Consumer Financial Protection Bureau ( CFPB ) against Equifax and Experian highlights ongoing failures in properly investigating credit report errors, violating the Fair Credit Reporting Act ( FCRA ). Given this, I have reason to believe that your agencies have engaged in improper investigative practices regarding my disputes. 

Under XXXX U.S. CXXXX XXXX, you are legally liable for damages resulting from negligent noncompliance with the FCRA. Failure to conduct thorough, fair, and timely investigations into my disputes constitutes a clear violation of this statute. I have previously disputed the following inaccurate negative items, yet they remain on my credit report : [ List the specific accounts, creditors, or inaccuracies you are disputing ] As mandated by the FCRA, I request the immediate removal of these negative items from my credit report and a written confirmation of their deletion. If your agencies fail to comply, I am prepared to pursue all legal remedies available, including seeking damages for your negligence. 

Please provide a written response confirming compliance within 30 days of receipt of this letter. I expect full adherence to the FCRAs requirements, and I trust that you will act in good faith to correct these errors promptly. 

Sincerely, 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 2025-02-05 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: VA

Complaint narrative:
XXXX : Demand for Immediate Removal of Fraudulent and Inaccurate Information Under FCRA To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of inaccurate, unverifiable, and outdated negative information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Specifically, I request the deletion of fraudulent personal information and negative accounts that violate federal law.

The following incorrect names and addresses must be removed from my credit file immediately, as they are fraudulent and do not belong to me : Fraudulent Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Addresses : XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Additionally, I dispute the accuracy and legitimacy of the following negative accounts : Affirm Santander These accounts contain inaccurate, incomplete, or unverifiable information, and under 15 U.S.C. 1681i ( a ), you are required to delete any disputed items that can not be verified within 30 days. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian on XX/XX/year>, alleging violations of the FCRA and the Consumer Financial Protection Act ( CFPA ). The lawsuit highlights Experians mishandling of consumer disputes, which leads to inaccuracies in credit reports. Given this legal precedent, I expect full compliance with the FCRA and immediate removal of all disputed items. 

Failure to comply with this request will result in a formal complaint filed with the CFPB, the Federal Trade Commission ( FTC ), and potential legal action. Please send written confirmation that these items have been deleted from my credit report. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-02-05 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: AZ

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX - XXXX - {$30000.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX  XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$1200.00} XXXX  XXXX - XXXX - {$630.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am writing to formally state that I have been a victim of fraud and misuse related to the practices outlined in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, XXXX XXXX XXXXXXXX, JPMorgan Chase, and XXXX XXXX. Due to the lack of proper consumer safeguards and failure to protect users from fraudulent transactions, I have suffered financial losses and have been denied rightful reimbursement. 

I was a victim of fraud through XXXX in the sum of XXXX - two payments of {$5000.00}. 
Like many others, I placed trust in these financial institutions, only to be left without recourse when fraudulent activity occurred. Despite reporting the fraud, I received little to no assistance in recovering my funds. The failure of these banks and XXXX XXXX XXXX to properly investigate and prevent fraud has directly impacted me, and I seek accountability and appropriate redress. 

I stand in support of the CFPBs efforts to hold these institutions accountable and urge for necessary reforms to ensure that consumers are adequately protected from financial fraud in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McCarthy, Burgess & Wolff, Inc.
State: NY

Complaint narrative:
i do not recognize this account and i have made many complaints through CFPB and the credit agencies fail to remove it from my credit report, i request that it be deleted because it does not allow me to make progress on my credit since it was marked as bad debt. 

ACCOUNT : XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: FL

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

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report. 
ACCOUNT NAME : XXXX XXXX XXXX ACCT # XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
they are illegally reporting and I request specifically the alleged original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt is valid. You must show proof that you legally own this alleged debt and that it is accurate and complete. 

I am requesting immediate deletion of all prior reporting made to any consumer reporting agency. XXXX, Equifax, XXXX, and XXXX. You must cease collection efforts until this alleged debt This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 want reported accounts removed, these are the accounts. I also want all other public information of me removed. My only physical address is : XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX I want the following removed : XXXX XXXX XXXX account number XXXX XXXX XXXX  card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA protects consumers ' privacy and ensures that credit reporting is fair and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This is an Apple Credit Card issue - Apple and Goldman Sachs their banking entity are not providing their customers with their balance information before and after transactions/payments nor in their statements or App interface. They ONLY provide the CURRENT balance. There is no bookkeeping of historical balances throughout the month or on any previous statements. The only thing the statement offers is a list of transactions.

I was told by 2 specialists via chat and XXXX XXXX via phone that this is not something Goldman Sachs offers. 

By federal law a bank is legally required to provide you with a bank statement that details your account activity, including a breakdown of transactions, which is essentially a " statement breakdown '' ; this is particularly true if your account involved any electronic fund transfers ( EFTs ) during the statement period.

This is poor bookkeeping and a legally immoral practice of both Goldman Sachs and Apple , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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