vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
My personal was stolen and accounts were opened as a result that I had no knowledge of. The following account are ; XXXX XXXX XXXX, total debt {$15000.00}, date opened XX/XX/XXXX ; XXXX XXXX, total debt {$26000.00}, date opened XX/XX/XXXX. I reached out to these finance companies to resolve this issue, asking them to remove these fraudulent accounts. Per section 15USC 1681c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit in XXXX  days.

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 2025-01-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently noticed unauthorized hard inquiries on my credit report which I did not authorize. Under the Fair Credit Reporting Act ( FCRA ) 1681b, companies must have a permissible purpose to pull my credit report, and I have not given consent for these inquiries.

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 2025-01-30 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 inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens  ( 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 2025-01-30 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
i don't know anything about this company equifax keeps putting this on my credit they will take it away then put it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CHECKredi of Kentucky, LLC
State: TN

Complaint narrative:
They refused to talk to me on talk to me. XXXX  XXXX  easy pay debit card XXXX  my account up and drafted the wrong account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Block, Inc.
State: MI

Complaint narrative:
I paid for a XXXX dollar deposit on XX/XX/year> for a hotel with my cash app card and it has been pending since that date, I have not received my deposit from cash app as of this date XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX From : XXXX To : XXXX Mon, XX/XX/XXXX at XXXX PM For your security we XXXX all images and links in this email. If you believe it is safe to use, mark this message as not spam.Show images CREDITOR : XXXX XXXX XXXX NO : XXXX AMOUNT OUTSTANDING : {$1500.00} These Legal Proceedings were issued on your Docket Number XXXX with XXXX of XXXX XXXX XXXXXXXX Company XXXX XXXX XXXX that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 



We sent you this warning notification about legal proceedings on XX/XX/year> but you failed to respond on time now its high time if you fail to respond in the next XXXX HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/Faxing this issue to your current employer to make sure they are strict against you. Your salary and all your wages will be garnished. 



Do revert if you want to get rid of these legal consequences so make a payment today or else we will be proceeding legally against you. 



And we apologies that this notification will also sent to your current employer. The opportunity to take care of this volunteer is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



You can Email back to get the payment mode too. 

We will be forced to proceed legally against you and once it is processed the creditor has the entire right to inform your employer and your references regarding this issue the law suit will be the next step which will amount to {$7400.00} and will be levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 



Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your XXXX XXXX sheriff department and you will be served by court summons at your door step. 



WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. 



TERMS & CONDITIONS YOU AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: AR

Complaint narrative:
XXXX XXXX Balance {$600.00} Credit limit {$600.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} Account number XXXX  Open/closed Closed Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$110.00} Credit limit {$120.00} Account number XXXX Date opened XX/XX/XXXX 2021

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 2025-01-30 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: AR

Complaint narrative:
XXXX XXXX Balance {$600.00} Credit limit {$600.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} Account number XXXX Open/closed Closed Date opened XX/XX/XXXX XXXX XXXX XXXX  Balance {$110.00} Credit limit {$120.00} Account number XXXX Date opened XX/XX/XXXX 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-01-30 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 am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next XXXX  days. Enclosed are the supporting documents for your review.

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-01-30 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant XXXX  to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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 am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within XXXX  days. I have included the necessary supporting documentation.

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 2025-01-30 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 pulled a copy of my consumer report and noticed some hard inquiries I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 


INACCURATE INFORMATION DISPUTE : The hard inquiries I am disputing are as follows : XXXX XXXX VIA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : This hard inquiry was reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ) , and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE this item from my consumer 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 2025-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Block, Inc.
State: OH

Complaint narrative:
Dealing with cash app I was never able to speak to anybody and my information been compromise

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b6 ).

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 2025-01-30 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: PA

Complaint narrative:
please see supporting documentation pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

XXXX  under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: ID

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Dear XXXX XXXX, I am formally disputing your handling of my previous credit report disputes under the Fair Credit Reporting Act ( FCRA ), citing negligence and non-compliance in conducting a thorough investigation as required by law. Despite my repeated efforts to have inaccurate, incomplete, or unverifiable information removed from my credit report, your failure to conduct a reasonable and proper investigation has resulted in continued reporting of erroneous data, negatively impacting my financial standing. 

Under the FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within XXXX  days, and if the disputed data can not be verified, it must be removed. I have provided sufficient documentation supporting my disputes, yet you have failed to meet this legal obligation by either verifying the information inaccurately, failing to provide proper documentation of verification, or simply ignoring my request altogether. 

Due to your non-compliance, I am demanding the immediate deletion of the following inaccurate accounts : - XXXX XXXX XXXX : Account Number starting XXXX amount {$490.00} -XXXX XXXX XXXX  : Account number XXXX amount XXXX - XXXX XXXX XXXX  : account number XXXX Failure to comply with this request XXXX result in legal action against your organization for willful non-compliance and civil negligence, as I will not hesitate to pursue my rights under the FCRA XXXX which allows me to seek damages for your failure to follow the law. I expect a prompt response within the legally required timeframe. Please send written confirmation of the removal of these accounts or a detailed explanation of your verification process, including the method and source used. 

I am keeping records of all correspondence related to this matter. If I do not receive an adequate response, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies. 

I look forward to your prompt attention to this matter. You may contact me in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: ID

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Dear XXXX XXXX, I am formally disputing your handling of my previous credit report disputes under the Fair Credit Reporting Act ( FCRA ), citing negligence and non-compliance in conducting a thorough investigation as required by law. Despite my repeated efforts to have inaccurate, incomplete, or unverifiable information removed from my credit report, your failure to conduct a reasonable and proper investigation has resulted in continued reporting of erroneous data, negatively impacting my financial standing. 

Under the FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of disputed information within XXXX  days, and if the disputed data can not be verified, it must be removed. I have provided sufficient documentation supporting my disputes, yet you have failed to meet this legal obligation by either verifying the information inaccurately, failing to provide proper documentation of verification, or simply ignoring my request altogether. 

Due to your non-compliance, I am demanding the immediate deletion of the following inaccurate accounts : - XXXX XXXX XXXX : Account Number starting XXXX amount {$490.00} -XXXX XXXX XXXX : Account number XXXX amount XXXX - Credence Resource manag : account number XXXX Failure to comply with this request may result in legal action against your organization for willful non-compliance and civil negligence, as I will not hesitate to pursue my rights under the FCRA XXXX which allows me to seek damages for your failure to follow the law. I expect a prompt response within the legally required timeframe. Please send written confirmation of the removal of these accounts or a detailed explanation of your verification process, including the method and source used. 

I am keeping records of all correspondence related to this matter. If I do not receive an adequate response, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies. 

I look forward to your prompt attention to this matter. You XXXX contact me in writing at the address listed above. 

Sincerely, 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