vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-05 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: FL

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 2025-03-05 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: FL

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 2025-03-05 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: GA

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections XXXX ( 15 U.S.C. XXXX ) and XXXX ( 15 U.S.C. XXXX ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section XXXX ( 15 U.S.C. XXXX ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX Account Number:XXXX  Amount : XXXX XXXX XXXX XXXX : {$540.00} Date of Account: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 2025-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: 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 XXXX. Account name : XXXX XXXX XXXX XXXX, Debt buyer XXXX XXXX U.S.C XXXX XXXX XXXXA. States i have the right to privacy XXXX XXXX USC XXXX Section XXXXA Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX Section ( 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. XXXX U.S.C XXXX ( XXXX ) ( 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 the information is inaccurate. Only have one home address ; all other addresses on the report are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: 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 XXXX USC XXXX. Account name : XXXX XXXX XXXX  XXXX, Debt buyer XXXX XXXX U.S.C XXXX XXXX XXXX. States i have the right to privacy XXXX XXXX USC XXXX Section XXXX Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. XXXX U.S.C XXXX Section ( 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. XXXX U.S.C XXXX ( XXXX ) ( 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 the information is inaccurate. Only have one home address ; all other addresses on the report are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in 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 2025-03-05 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: LA

Complaint narrative:
I just submitted a FBI report. I have my document number for that too and I need to provide it but recently my credit has been going up and down and Ive been getting these weird emails like I got approved for credit cards from XXXX XXXX and I like a lot of big banks

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 2025-03-05 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-03-05 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: Possible Financial Inc
State: LA

Complaint narrative:
Subject : Cease and Desist Communication and Reporting to Consumer Reporting Agencies To Whom It May Concern : This letter serves as a formal notice to Possible Financial to immediately cease and desist all forms of communication with me, including phone calls, letters, emails, or any other type of contact, regarding the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). This also includes reporting or furnishing any inaccurate, unverifiable, or outdated information regarding the alleged debt to any consumer reporting agency, as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 15 U.S.C. 1681 ( a ) 4, 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( 6 ), Cease Communication Under FDCPA, 15 U.S.C. 1692c ( c ), I am exercising my right to request that Possible Financial XXXXXXXX  cease all communication with me about the alleged debt. Any further contact by your company will be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Cease Reporting to Consumer Reporting Agencies Additionally, under FCRA, 15 U.S.C. 1681s-2 ( a ), your organization is required to ensure that all information furnished to consumer reporting agencies is accurate and complete. If the alleged debt can not be verified in full compliance with the FCRA and FDCPA, you must refrain from reporting it or promptly delete any inaccurate or unverifiable information. 
Violations Creditor did not Provide : Requested Validation Chain of Ownship ( Securitization ) Assignment Contract with Wet Signature Legal Consequences Please be advised that any failure to comply with federal and state laws will result in immediate legal action to protect my rights. This includes, but is not limited to, filing a complaint with the CFPB, FTC, and pursuing private legal remedies for damages caused by violations. 

Final Notice This letter constitutes my formal request under the FDCPA and FCRA. Any future communication regarding the alleged debt should only occur through written correspondence sent via certified mail to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Klarna AB
State: AZ

Complaint narrative:
I make multiple purchases with this merchant. There was an issue with 3 of my purchases. which is over {$350.00} in charges that are not being addressed with urgency. 

!. A card was created and cashed for an orde that was cancelled. The system error has caused the money to be held and the merchant can not assist. 
: XXXX XXXX XXXX XXXX {$140.00} 2. ORDER WENT MISSING PRIOR TO DELIVERY, REPORTED TO MERCHANT, 2 DAYS LATER DRIVER REPORTED AS DELIVERED WITHOUT FACE TO FACE DELIVERY SECURITY CODE BEING GIVEN : XXXX XXXX XXXX  XXXX {$70.00} 3. ORDER WENT MISSING 2 DAYS AGOAND CANCELLATION WAS REQUESTED : XXXX XXXX XXXX XXXX {$100.00} This is {$320.00} in charges and XXXX doen not have a system in place to address multiple purchases. I tried to contact customer service and never got through to anyone even though my call was in cue for over 30minutes and the chat option only responds to the questions it forces you to ask. the wait time said 10 minutes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 2025-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I made a transfer payment from my Wells Fargo checking account to my Regions credit card. Wells Fargo immediately put a pending charge on my account for XXXX As of today, XX/XX/XXXX at XXXX yhe money has not been transferred to my regions credit card I noticed this on last month payment delayed so I paid attention this time. 
The notification on my Wells Fargo alerts claims thst transfer was made XX/XX/XXXX and funds will transfer on XX/XX/XXXX This is unacceptable practices as Wells Fargo has played with my money for 7 days. 
I pay all my cards ahead of time and not when they are due.

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 2025-03-05 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: CA

Complaint narrative:
Greetings to the good men and women at the CFPB. Thank you for your service. On XX/XX/XXXX I notified EQUIFAX that my credit was reporting inaccurate information due to the EQUIFAX DATA BREACH OF XXXXXXXX XXXX XXXXXXXX. Which I am a victim of. The information was brought to my attention because I am currently buying a home and my agent told me that the deal can not be done with a charge off on my report. I immediately called EQUIFAX to promptly fix this situation. The representative from EQUIFAX demanded that I mail in a copy of my social security card and ID to allow them to verify who I am. I explained to the representative that I dont feel comfortable giving my social security card to a company that leaked millions of Americans personal data. He said it was the only way to fix it. I notified the agent that EQUIFAX is violating the FDCPA and the FCRA by continuing to report information without permissible purpose and without a contract giving them the authority to do so by the consumer. The agent disregarded my statement. I now can not close on a home for my family because EQUIFAX refused to remove the fraudulent item from my report. This is devastating to me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a balance transfer from my Bank of America Card XXXX XXXX XXXX XXXX card on XX/XX/year> for {$2900.00}. Bank of America posted it on XXXX and XXXX am told they tried to recall it on XXXX problem is I accidently included an extra number in the bank account for XXXX XXXX XXXX I have talked to Bank of America twice and they say the case is closed... they can't get the money back. XXXX XXXX says they can't help me. What I want to know is since there is an extra number in the account number I provided WHY did it go through. IF XXXX XXXX received it and there is the extra number in the account number WHY didn't they reject it! Neither company will do anything and I can't afford to have {$2900.00} floating around and me making payments. the last claim number was 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