vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CA

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 2025-02-07 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: TN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-02-07 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: TN

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them 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 explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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 2025-02-07 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: GA

Complaint narrative:
PLEASE BLOCK AND REMOVE I never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-07 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
Me complaint is with national recovery agency. They have placed collections on my report without questioning or verifying the age and legality of this debt. The cfpb new rule has banned medical debt but these people have placed a new collection through XXXX from 2018. Date of first delinquency was 2018

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 2025-02-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : US BKPT CT XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
XX/XX/XXXX I tried applying for having but I noticed several hard and soft unauthorized inquiries on my credit report that needed to be removed. Experian & XXXX did not properly investigate my disputes and failed to remove or reinserts errors on my report, threatening my access to credit, employment, and housing starting from XXXX until XXXX. My credit score isnt correct nor have my Legal name have been corrected XX/XX/XXXX I reached out to the company about several soft and hard unauthorized inquires like : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX and told me to write a letter

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stems from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$890.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$890.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was the victim in an impersonation scam and lost my money on XXXX. Neither XXXX nor Capitol one stopped the transfer when asked or have given me the information to send to the FBI to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My Information was stolen during XXXX data breach and XXXX Data breach . It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
My Information was stolen during XXXX  data breach and XXXX Data breach . It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
My Information was stolen during XXXX data breach and XXXX XXXX XXXX XXXX It has affected my livelihood and altered my credit score drastically. I'm unable to live because this has destroyed my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 ). Cash app failed to take timely and effective measures to provent and address fraud on their platform, leaving my account vunerable and unprotected.

Futhermore, 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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXXXX/XX/XXXX WA, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX XXXX XXXX XXXX XXXX, XXXX, OR, XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided.

Send me written confirmation once the corrections are made, along with an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 price 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 2025-02-07 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 submitting this formal complaint against XXXX XXXX XXXX, 12 XXXX, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) related to the inaccurate reporting of a collection account that I have no knowledge of. 

On my TransUnion credit report, XXXX XXXX XXXX is reporting a collection account allegedly originating from 12 XXXX with a balance of {$1700.00}. According to the creditor, the account was opened on XX/XX/XXXX. I have never been contacted by XXXX XXXX XXXX or 12 XXXX regarding this account, and I have never made any payments toward this so-called debt. 

Believing this to be an error and potentially fraudulent, I filed a dispute with TransUnion on XX/XX/XXXX, explicitly stating that I have no knowledge of this account and that it is inaccurate. Despite the seriousness of the dispute, TransUnion closed the investigation in just 10 days, providing their response on XX/XX/XXXX. Their investigation report stated : TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

This response raises concerns about whether a proper, thorough investigation was conducted, as required under federal law. The account remains on my credit report, negatively impacting my credit profile. 

1. FCRA 15 U.S.C. 1681s-2 ( a ) : Duty of Furnishers to Report Accurate Information XXXX XXXX XXXX and 12 XXXX  are responsible for reporting accurate information. Despite my dispute, they have failed to correct or remove inaccurate data.

2. FCRA 15 U.S.C. 1681i ( a ) : Right to Dispute Inaccurate Information TransUnion is legally required to conduct a reasonable investigation into disputed information within 30 days. A 10-day resolution without substantive verification indicates a lack of due diligence.

I was not provided with any documentation verifying the legitimacy of the alleged debt.

3. FCRA 15 U.S.C. 1681e ( b ) : Duty to Maintain Maximum Possible Accuracy TransUnion has a legal obligation to ensure the maximum possible accuracy of the information in consumer reports, which was not upheld in this case.

4. FCRA 15 U.S.C. 1681c-2 : Procedure in Cases of Identity Theft ( if applicable ) Given that I have no knowledge of this account, this could potentially involve identity theft. TransUnion failed to properly investigate or take corrective action under this provision.

5. FCRA 15 U.S.C. 1681n & 1681o : Liability for Willful and Negligent Non-Compliance The continued reporting of this inaccurate information, despite my formal dispute, suggests willful non-compliance, exposing the responsible parties to potential legal liability.

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