vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5100.00}, XXXX & XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$820.00} , XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 equifax mortage , XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-26 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$11000.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$5100.00}, XXXX & XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4600.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$4500.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$820.00} , XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : 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 equifax mortage , XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-26 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: PA

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached 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 explanation
Consumer complaint received 2025-02-26 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 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 2025-02-26 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:
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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, has violated my rights. 

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 an 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 non-monetary relief
Consumer complaint received 2025-02-27 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:
Upon reviewing my TransUnion credit report, I discovered multiple fraudulent accounts and unauthorized inquiries. These accounts and inquiries were opened in my name without my consent, negatively impacting my credit score and financial standing.

The fraudulent accounts listed in my TransUnion report include : XXXX Opened XXXX XX/XX/XXXXXXXX XXXX Opened on XX/XX/XXXX XXXX Opened in XX/XX/XXXX These fraudulent accounts were not authorized by me and must be removed immediately.

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 2025-02-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
[ Portfolio Recovery Associates , LLC ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX ] Subject : Debt Validation Request Notice of Legal Compliance Required To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 to formally dispute and request full validation of the alleged debt referenced above, which you have reported on my credit file.

1. Legal Validation Requirements Under 15 U.S.C. 1692g, you are required to provide the following documentation to verify this debts validity : A legally assigned contract with my original signature from the original creditor. A simple bill or statement is not sufficient proof of a legally owed debt.

Proof of chain of custody ( all assignments of ownership ) if this debt was transferred or sold.

Verification that you are legally authorized to collect this alleged debt. 

Failure to provide the above documentation constitutes a violation of federal law under the FDCPA and FCRA. If you continue reporting this unverified debt, you are liable for damages under 15 U.S.C. 1681n and 1681o, which allows me to seek legal action for willful or negligent noncompliance.

2. Cease and Desist Communication Terms As per 15 U.S.C. 1692c ( c ), you are hereby prohibited from contacting me by phone, email, or any method other than written correspondence via my mailing address above. If you fail to comply, you are subject to fines of {$1000.00} per violation, as outlined in 15 U.S.C. 1692k.

3. Immediate Deletion from My Credit Report Since this debt remains unverified and inaccurate, it must be removed from my credit report immediately per 15 U.S.C. 1681s-2 ( b ). Failure to do so will be considered a willful violation of the FCRA, and I will pursue legal remedies, including a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action against your agency. 

This is a formal dispute and not a refusal to pay ; it is a request for validation under my rights as a consumer. You are required to respond within 30 days or remove this debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
Subject : Formal Dispute of Unauthorized and Inaccurate Reporting of XXXX XXXX XXXX XXXX Dear Equifax Dispute Department, I am formally disputing the reporting of XXXX XXXX XXXX XXXX on my Equifax credit report. After reviewing my credit file, I have identified multiple violations of federal consumer protection laws, specifically : 1. Violation of 15 U.S.C. 6802 Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions and credit reporting agencies are prohibited from disclosing my personal financial information to third parties without my explicit consent.

Equifax has failed to provide proof that I authorized XXXX XXXX XXXX XXXX to report this account on my credit file. 
Resolution Demand : If Equifax can not provide signed documentation proving my consent, this account must be deleted immediately from my credit report.

2. Violation of 15 U.S.C. 1681b Lack of Permissible Purpose The Fair Credit Reporting Act ( FCRA ) 1681b restricts credit reporting agencies from furnishing consumer reports without a valid permissible purpose. 
Equifax has not provided evidence that XXXX XXXX XXXX XXXX had a legitimate reason to report this account. 
Resolution Demand : I request that Equifax provide verifiable proof of permissible purpose, including : Signed authorization allowing XXXX XXXX XXXX XXXX to report this account on my credit file. 
Details of the verification process, including how this account was validated. 
If Equifax can not produce this information, this account must be deleted immediately.

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft Unauthorized and inaccurate reporting of accounts constitutes identity theft under 18 U.S.C. 1028A.

If Equifax is reporting an incorrect or fraudulent account, my consumer rights have been violated.

Resolution Demand : If Equifax can not 100 % verify the accuracy of this account through signed contractual agreements, it must be removed immediately, and a fraud investigation must be conducted.

Formal Request for Reinvestigation and Deletion Under FCRA 611 ( a ) ( 1 ) ( A ), I formally demand that Equifax conduct a reinvestigation of this account within 30 days. If these violations are not corrected, I will escalate this matter by filing formal complaints with the CFPB, FTC, and my State Attorney Generals Office and will consider legal action under FCRA 616 & 617, which entitles me to statutory damages, punitive damages, and attorneys fees.

Final Notice & Next Steps I expect a written response confirming the removal of this account within 30 days. If Equifax continues to report unauthorized, unverified, and inaccurate information, I will pursue all legal remedies available. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
At A Chase Bank ATM machine I deposited a few checks on XX/XX/year> at the same time totaling $ XXXX the available balance of {$14.00} bringing the present balance to {$2300.00} on the same day. Funds actually became available on the XX/XX/year> and they locked my account froze my ATM card and told me that the checks were not valid total unfairly treated and refused to pay me all my funds from every chase account I had and to close them. Also informed the banker that I would be reaching out to complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging I owe a debt to Capital One NA in the amount of {$5800.00}. I disputed this debt and requested documentation from them. They sent me a statement showing dates : XX/XX/XXXX - XX/XX/XXXX with a balance of {$5600.00} addressed to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This address is unknown to me. Furthermore, there is an additional cardholder listed on the statement which is also unknown to me. I continued to dispute their efforts to collect this alleged debt. The matter was brought to hearing before the XXXX XXXX XXXX XXXX on XX/XX/XXXX. I again disputed this debt to the Judge advising I have been a victim of identity fraud/theft. The Judge said he would review the case and render his verdict. I heard nothing further regarding the matter. I then receive an email from my employer on XX/XX/XXXX advising me that a garnishment order hearing has been set for XX/XX/XXXX. I was never served such notice, which is a violation of my rights under due process. I mailed the Court an appeal notice requesting a hearing immediately. I have tried to resolve this matter myself, but my efforts clearly are not working. I believe XXXX XXXX XXXX XXXX to be in violation of many regulatory laws & statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NE

Complaint narrative:
I was sent a debit card I did not request on XX/XX/year>. I called US bank on XX/XX/year> and they told me that nobody but me had accessed my account and everything was fine, however my bank account was hacked, the email and password changed, and I was only able to get back in via phone notifications. I monitor my transactions and two payments of {$3000.00} were made to XXXX on XX/XX/year> and on XXXX reported that my account was hacked on XX/XX/year>, froze the account and filed a fraud claim. My claim was denied on XX/XX/year>, and I was told today on XX/XX/year> that this was because the transaction was authorized, not factoring in the obious suspcious activty on my account, nor US Bank 's error in telling me I was the only one to log into my account.

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 monetary relief
Consumer complaint received 2025-02-26 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 name is XXXX XXXX. My identity was stolen and I have been dealing with the fallout for years XXXX  Some of the perpetrators were arrested but it was a group and others still use my identity and credit in various ways. I just found out that someone was using my information in XXXX  and XXXX  XXXX XXXX for XXXX and XXXX. They had identification and drivers license in my name but their pictures. The person in XXXX  is white but I am XXXX XXXX however they were able to get past XXXX. This means that they registered a vehicle and had insurance in my name. Ive also received medical bills in my name that were not mine. 
They also had duplicates of my credit cards and could use my credit cards at anytime. Because they had all of my information they could go into the credit bureaus and change or reverse anything that I did. Its been horrible and stressful for years. With the recent information breaches fraudulent activities have increased. Im even more frustrated because companies ask me questions and for information that I dont have because others are using my identity. They even used my bank account to make payments to make it look as if it was me making the payments. I struggled to keep up payments because I wanted to maintain good credit and I felt like there was nothing more that I could do because I couldnt get help. Now I cant make the payments and my credit is suffering. The problem is I did use the cards but others were using them also but I was stuck paying the bills. Ive payed my debts but been forced to pay others debts as well. Ive been successful in challenging some things but its hard to deal with this situation because some of it is me and lots of it is fraudulent. This has caused me to have panic attacks and close to a nervous breakdown along with other issues in my life. My credit debts is so convoluted by fraud that Ive considered getting a new social security number and starting over. I dont know what to do! Please help!

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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 : address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
this stuff is fraud on my credit report please help

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