vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: NC

Complaint narrative:
Fourth Notice to Equifax Equifax , Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXXXXXX XXXX XXXX  ( Case No. XXXX ) Demand for Immediate Removal of Unauthorized Accounts Due ; Equifaxs Data Breach Theft My file keeps showing FCRA violations : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Despite my repeated efforts, supported by documentation, Equifax has failed to take appropriate corrective action. Equifax continued inaction violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Given the significant impact this identity theft has had on my life, I demand that Equifax immediately remove the fraudulent accounts from my credit report. This situation has been exacerbated by data security breaches involving Equifax Data Breach ( XXXX XXXX. XXXX ), which exposed my personal information to misuse. I am requesting the immediate removal of these fraudulent accounts from my credit files. The disputed items are below : XXXX. XXXX XXXX $ XXXX XXXX. XXXX, XXXX  Equifax have continue to fail at conducting a timely and meaningful investigation, as mandated under XXXX5 U.S.C. 1681i ( a ) ; improperly verified or ignored accounts that are clearly unauthorized and linked to the Equifax and XXXX XXXX XXXX XXXX data breach; continued to report inaccurate information in violation of 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. Equifax violations of the law and their actions, or lack thereof, constitute the following : Failure to Investigate : Under 15 U.S.C. 1681i ( a ) ( 1 ), credit reporting agencies are required to conduct a reinvestigation of disputed information within 30 days of receipt. Equifax has failed to meet this obligation in my case ; Negligence in Reporting : Under 15 U.S.C. 1681e ( b ), you are obligated to ensure that all reported information is accurate and up to date. Your continued reporting of unauthorized accounts fails this standard ; Failure to Provide Notice : Under 15 U.S.C. 1681i ( a ) ( 6 ), Equifax must provide the consumer with a written notice of the results of its investigation. To date, I have not received adequate notice regarding my disputes. 
There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. Furthermore, I have not granted your agency any authority to access or report information about me under the Fair Credit Reporting Act ( FCRA ), which explicitly requires a permissible purpose for such actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: CT

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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 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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I keep receiving the following email from XXXX. I have never had contact with XXXX or any other company billing through Paypal and never purchased anything from it. I do not have a paypal account. Please advise paypal that illegal activity is occuring. Phishing!! 

XXXX XXXX sent you an invoice for {$450.00} USD Due on receipt. 
Invoice details Amount requested {$450.00} USD Note from seller Didn't place this order? If not, report it immediately at ( XXXX ) XXXX. 
Invoice number XXXX View and Pay Invoice PAY BUTTON

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I have requested that a representative from Transunion would unlock my credit report multiple times. I have not had access to upload my documents on service.transunion.com and it is imperative that I do so to rectify this situation. This is a big issue for me because the post office is closed by the time that I get off work and I am unable to mail them on Sundays because the mail doesnt run on Sundays. I work 6 days a week and the least that Transunion could do ( if I am paying for their credit monitoring service ) is to make sure that I am able to upload my documents to them in a secure manner. 
Thank you, XXXX 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 non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Disclosure of not returning money sent to wrong individuals was not presented for my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CL Holdings LLC
State: TX

Complaint narrative:
Account does not belong to me I have never had a XXXX  account in the amount of XXXX  trying to be collected by XXXX XXXX XXXX says the date opened was XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: GA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally submit a complaint against Experian Information Services LLC for failing to investigate my disputes regarding inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Details of the Complaint : 1. Dispute Information : - AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Nature of Inaccuracy : I would like to have these accounts removed from my report. 

2. Experian 's Response : Despite my repeated submissions regarding these inaccuracies, Experian has consistently responded within 24 hours asserting that the accounts are accurate. However, they have not provided me with any evidence or details regarding the nature of their investigation, which I believe is insufficient and violates the requirements outlined in the FCRA ( 15 U.S.C. 1681i ). 

3. Legal Basis for Complaint : - The FCRA mandates that consumer reporting agencies conduct a reasonable investigation into disputes. Experians failure to do so not only undermines my rights as a consumer but also suggests noncompliance with the law.

- Furthermore, Experians actions may violate the CFPA ( 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) ), as highlighted in the CFPB 's recent administrative proceedings that emphasize the obligations of credit reporting agencies to ensure accuracy and transparency in their reporting practices. 

4. Requested Action : I request that the CFPB investigate my complaint against Experian for these alleged violations and take appropriate action to ensure compliance with federal laws. I also seek assistance in rectifying the inaccuracies on my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am writing to formally file a complaint against the XXXX major credit bureausEquifax, XXXX, and TransUnionregarding significant discrepancies across my credit reports. Each of these bureaus has reported different information, which is inaccurate, misleading, and potentially damaging to my credit profile. Despite my attempts to resolve these discrepancies directly with the credit bureaus, I have not seen a resolution or even a satisfactory explanation for why these errors persist. 

Upon reviewing my credit reports from each of the XXXX bureaus, I have noticed the following discrepancies : Different Collection Accounts : Each credit bureau is reporting different collection accounts, some of which I have no knowledge of or responsibility for.

Inconsistent Information : The same account may be reported differently ( in terms of status, balance, or date of last payment ) across the bureaus, leading to confusion and a lack of clarity in my credit history. 
Unverified Entries : Some accounts listed are not verified, and I have not been provided with documentation or verification from the creditors or debt collectors involved.

These discrepancies are causing severe harm to my credit standing and making it impossible to get a clear and accurate view of my financial history. The lack of consistency across the three reports is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also creates an environment where I am unfairly penalized based on inaccurate and incomplete information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the following : The credit bureaus comply with the legal requirement to report accurate and consistent information. 
The disputed items are corrected or removed based on the results of an independent investigation by your office. 
The credit bureaus are held accountable for failing to maintain consistency in their reporting of my credit information. 
Enclosed, you will find copies of my credit reports from XXXX, XXXX, and TransUnion, highlighting the discrepancies I have outlined. I have also included any communication Ive had with the bureaus, as well as any responses or lack thereof. 

I request that you keep me informed throughout the resolution process and provide me with a summary of the actions taken to address my complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 am writing to formally file a complaint against the XXXX major credit bureausXXXX, Experian, and XXXXregarding significant discrepancies across my credit reports. Each of these bureaus has reported different information, which is inaccurate, misleading, and potentially damaging to my credit profile. Despite my attempts to resolve these discrepancies directly with the credit bureaus, I have not seen a resolution or even a satisfactory explanation for why these errors persist. 

Upon reviewing my credit reports from each of the XXXX bureaus, I have noticed the following discrepancies : Different Collection Accounts : Each credit bureau is reporting different collection accounts, some of which I have no knowledge of or responsibility for.

Inconsistent Information : The same account may be reported differently ( in terms of status, balance, or date of last payment ) across the bureaus, leading to confusion and a lack of clarity in my credit history.

Unverified Entries : Some accounts listed are not verified, and I have not been provided with documentation or verification from the creditors or debt collectors involved. 
These discrepancies are causing severe harm to my credit standing and making it impossible to get a clear and accurate view of my financial history. The lack of consistency across the three reports is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also creates an environment where I am unfairly penalized based on inaccurate and incomplete information. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure the following : The credit bureaus comply with the legal requirement to report accurate and consistent information. 
The disputed items are corrected or removed based on the results of an independent investigation by your office. 
The credit bureaus are held accountable for failing to maintain consistency in their reporting of my credit information. 
Enclosed, you will find copies of my credit reports from XXXX, Experian, and XXXX, highlighting the discrepancies I have outlined. I have also included any communication Ive had with the bureaus, as well as any responses or lack thereof. 

I request that you keep me informed throughout the resolution process and provide me with a summary of the actions taken to address my complaint. 

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the following account on my report related to identity theft. I have filed my identity theft properly and transition has helped me in removing all fraudulent accounts on my report be removed along with the following inquiries. FRAUDULENT Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
Hello, This is my second complaint for this issue and I am not satisfied with the orignal response. 

I have my loans with EdFinancial. In XXXX XX/XX/year> I logged into my account and my total was XXXX less. I previously stated that it looked like maybe I was given forgiveness but I truly dont know why I had $ XXXX removed. 

I feel EdFinancial did not do it due diligence in investigating this issue. 

When I logged back into my account in XX/XX/year>, My account total went back up by ~ $ XXXX and I had not taken out any new loans because I have been out of school for many years now. 

The $ XXXX was even reduced from my credit report and the READDED lowering my overall credit score. 

There has been a mismanagement of my account and I dont understand how $ XXXX can just appear and disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested outdated and incorrect items to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested outdated and incorrect items to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
Dispute of Incorrect Name and Address Information Dear Sir or Madam, I am writing to formally dispute the incorrect name and address information reported on my credit file. Upon reviewing my credit report. 

These inaccuracies are affecting my credit report and, potentially, my credit score. I request that these incorrect names and addresses be removed from my credit file immediately. 

Please investigate and remove the erroneous information from my credit report. 

As required by the Fair Credit Reporting Act, I expect your investigation to be completed within 30 days, and I would appreciate written confirmation that these discrepancies have been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have submitted disputes to you and i didnt get response within XXXX  days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief