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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit. These accounts I don't recognize them, I didn't authorize them, they are being reported by a 3rd party could you please remove them off my report.

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: PA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to dispute the following information on my credit report. I have circled the items I dispute on the attached copy of the report I received. 
The item ( XXXX ) I dispute is/are : Account Name : XXXX  Reason for Dispute : This account was paid in full in XXXX of XXXX. There should be a XXXX balance. 
I am requesting that the item ( XXXX ) be removed ( or corrected ) to reflect accurate information, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Under the FCRA, you are required to investigate the disputed information within 30 days of receiving this letter and to notify me of the results of your investigation. 
consumer.ftc.gov Please provide me with a copy of the updated credit report once the dispute has been resolved. 
Thank you for your prompt attention to this matter.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 harm 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 2025-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My information was exposed in a data breach which was used to open various accounts in my name.

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: GA

Complaint narrative:
Account 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 Every time this debt is close to being removed from my credit report, a new debt buyer appears. I am unable to determine which of the many reporting companies actually holds the original debt. Despite reaching out to all of them, I have not been able to verify its origin. The original debt dates back to XXXX, but it is being inaccurately reported as a XXXX debt. This misrepresentation is inflating my debt-to-income ( DTI ) ratio and extending the time this debt remains on my report, effectively violating the statute of limitations for debt reporting.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account 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 Every time this debt is close to being removed from my credit report, a new debt buyer appears. I am unable to determine which of the many reporting companies actually holds the original debt. Despite reaching out to all of them, I have not been able to verify its origin. The original debt dates back to XXXX, but it is being inaccurately reported as a XXXX debt. This misrepresentation is inflating my debt-to-income ( DTI ) ratio and extending the time this debt remains on my report, effectively violating the statute of limitations for debt reporting.

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: Experian Information Solutions Inc.
State: MI

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

Company 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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 am submitting a complaint against Equifax for failing to conduct a proper investigation into inaccuracies in my credit report. Despite my dispute submissions, Equifax routinely responds within 24 hours, asserting that the account is accurate without providing any evidence of a thorough review. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, Equifaxs actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as noted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar infractions. I urge the CFPB to take action to ensure Equifax complies with federal law and provides consumers with proper evidence of its investigations.

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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted a claim after my information was involved in a data breach. There are accounts on my credit profile that are not mine and I have no knowledge of. The company is saying it has been verified but is not providing any proof.

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 2025-02-08 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: IL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Amsher Collection SE XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Formal Dispute of Debt Request for Validation Dear Sir or Madam, I am writing to dispute the collection account reported by Amsher Collection SE on my credit report. The details of the disputed account are as follows : Creditor Name : XXXX Collection Agency : Amsher Collection SE Account Balance : {$150.00} Date Opened : XX/XX/year> I do not recognize this debt, and under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting written validation of this account, including : 1. A detailed breakdown of the debt amount.

2. The original contract or agreement with XXXX that shows I am responsible for this debt.

3. Proof that Amsher Collection SE has the legal right to collect this debt.

If you can not provide this validation, I formally request that you remove this collection account from my credit report immediately. If this debt is being inaccurately reported, failure to correct it may be a violation of federal law. 

Additionally, please cease all collection efforts until proper verification is provided. 

Please respond in writing within 30 days of receiving this letter. Failure to do so will be interpreted as confirmation that you can not validate the debt, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and state regulators. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: SC

Complaint narrative:
I received an email from XXXX on Mon, XX/XX/XXXX, at XXXX, stating : " We would like to inform you that temporary restrictions have been placed on your Skrill account.

To help us get the restrictions lifted, please could you provide us with a few details : What are you mainly using your Skrill account for?

What is your relationship with the recipients of the payments you make with Skrill? 
What do you mainly receive money for? 

To send us the information, please reply to this email. 

Should you have any questions please contact our Customer Service team. '' I responded on Tuesday, XX/XX/XXXX at XXXX with the required information. 

I received a response a minute later that said they would respond within the next 24 hours. 

I have since followed up via email asking for any updates, on both XX/XX/XXXX and XX/XX/XXXX. I have not received any response and my account remains locked. I have {$4500.00} in that account that are locked. I need access to those funds to pay my bills. I am unable to withdraw the funds and have not received a response from Skrill after several attempts to reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc.
State: MO

Complaint narrative:
I noticed unauthorized and unverified collections on my credit report. In reference to codes 15 USC 6082, 15 USC 1681b, and 18 USC 1028a. This company has violated my rights. I have taken the necessary steps to remove this collection and it has not been removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I never had an account with this company. This is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I had 5 % back on my Chase card when using it via XXXX from XXXX through Dec.On XX/XX/XXXX at XXXX I purchased a clothes dryer for {$660.00} from XXXX XXXX using my XXXX account charging it to Chase. It showed on my XXXX account that it was charged that day and time immediately. I did not receive the rewards because it showed up on my Chase credit card on XX/XX/XXXX. I called to dispute this but Chase claimed there was nothing they could do ; it was how long XXXX took to process it. There is no reason it would take 5 days to charge it to my Chase card when it showed on my XXXX account as being charged immediately. 

Additionally, they are currently running 5 % cash back rewards on both fitness/gym memberships and spa services. I have been going to XXXX XXXX for 12 years which is a fitness club I'm charged a monthly fee. I've gotten these rewards in the past for this exacty reason. They told me the way it's categorized by the owner is the reason it's not coming up as a fitness club. Again makes no sense. It's LITERALLY ONLY a workout facility and you have to have a membership to go. 

I also recently went to a XXXX which has ONLY spa serviceXXXX and charged over {$500.00} for which again I did not receive 5 % cash back as they list it as medical services and health practitioners. There is not one medical provder there. They do massages, facials and XXXX. No one is a health practitioner. 

This has been going on consistently with Chase and more so recently. It always seems to be on large purchases. By my accounts, they owe me almost {$80.00} in rewards.

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: OK

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. Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with the requirements under the Electronic Fraud Transfer Act and Regulation E. These actions have caused significant financial loss and inconvenience. 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

Complaint narrative:
I have sent multiple complaints through CFPB and FTC but I don't see why these inquiries, which I didn't authorize are still on my credit report when I have done my part. I've checked this and reached out to the creditors that I am not aware of and have no knowledge of this.

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: 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: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Civil Liability, Neglect, and Non-Compliance Violation of 15 U.S. Code 1681o Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding the failure of certain creditors and credit reporting agencies to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, which relates to civil liability for non-compliance.

I have identified the following accounts on my credit report that I believe are either incorrect, incomplete, or have not been properly investigated upon my prior dispute submissions. Despite my efforts, these issues have not been resolved, and I am seeking the CFPBs assistance in addressing these violations and ensuring the creditors and reporting agencies comply with the law. 

The following accounts are in dispute : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have provided these creditors and credit bureaus with the necessary documentation and supporting evidence to dispute the inaccuracies in my credit report. However, they have failed to comply with their legal responsibilities to investigate and resolve these disputes in a timely manner. Under 15 U.S. Code 1681o, I am entitled to civil damages for harm caused by their neglect and failure to properly address these disputes. 

To date, the agencies and creditors listed above have either failed to respond, have not conducted thorough investigations, or have neglected their duties under the FCRA to remove or correct inaccurate information within the required timeframe. As a result, my credit report has been negatively affected, and I am suffering financial harm due to this non-compliance. 

I request that the CFPB investigate these violations and take appropriate enforcement actions to ensure that the involved parties are held accountable and that my rights under the FCRA are upheld. Additionally, I request that the necessary steps be taken to remove the inaccuracies from my credit report or to provide a detailed explanation of why these items have not been corrected. 


Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, 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 explanation