vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Today, I found that my credit report contains inaccurate accounts, and I have no clue why. I check my credit report routinely, but this time, I noticed unexpected inconsistencies. Thinking it might be a browser glitch, I refreshed the page, but the errors persisted. Due to this issue, I ask that my submitted documents be carefully examined so I wont have to worry about this problem again.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items, XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX Inquiry XX/XX/XXXX. 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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

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 2025-02-12 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I am writing to formally request the removal of an unauthorized or inaccurate credit inquiry from my credit report. Upon reviewing my credit report, I noticed multiple inquiries listed that I do not recognize or recall authorizing. I have throughly reviewed my records, and I can confirm that I did not authorize these inquiries. According to the fair credit reporting act ( FCRA ) I have the right to dispute any information that is inaccurate or unverified. I have already contacted the original creditors who pulled my credit report and filed a dispute with them as well. I kindly request that you investigate this matter and remove all unauthorized inquiries from my credit report as they dont belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 those violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I created a checking and savings account with Chase last week. They closed my account for no reason when my check was deposited. I was told I no longer have access to all my funds until XX/XX/year>. They did not want to state why they closed my account. I can not withdrawal or overall touch my life savings and checking until that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: SC

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 XXXX 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 2025-02-12 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: NC

Complaint narrative:
Experian and Equifax have both failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where both Experian or Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and Equifaxs inaction violates federal law and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act the following inquiries has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX - XX/XX/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 XXXXXX/XX/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 2025-02-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On my capital one app it shows a charged off account. It's several years old XXXX+ to be exact. Tried to have it removed bit no solution. This needs to be fully closed off and removed from the dashboard for active accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
I sent a request to update my personal information removing old names and addresses that no longer belong to me. They no longer apply as they are not me and I don't live at all these places nor have all the numbers listed. It is my right to have on my report what I have authorized, and I want that information removed. I put in the request to the credit bureau to remove it and I was told the names and addresses, and old phone numbers do not affect my credit score. And my request was totally ignored. I don't care that it doesn't affect my score I ask for them to remove it and they failed to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 2. My Free Application for Federal Student Aid ( FAFSA ) data, including finan
cial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
I am writing to formally dispute Experians failure to properly investigate a dispute I submitted regarding an account on my credit report. I requested an investigation, and within minutes, the request was closed without a thorough review, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days. The fact that my dispute was closed within minutes indicates no proper investigation was conducted, which constitutes a violation of federal law. 
Failure to Forward My Dispute to the Furnisher ( XXXX U.S.C. XXXX ( a ) ( 2 ) ) Upon receiving my dispute, Experian is legally obligated to notify the data furnisher and provide all relevant information regarding my claim. Given the rapid closure of my dispute, it is evident that no such notification was made, further violating the law. 
Willful Non-Compliance ( XXXX U.S.C. XXXX ) Knowingly failing to conduct a proper investigation and disregarding my dispute request qualifies as willful non-compliance. Under this statute, I am entitled to damages of up to {$1000.00} per violation, in addition to punitive damages and legal costs. 
Negligent Non-Compliance ( XXXX U.S.C. XXXX ) If this failure to investigate was due to negligence, Experian is still liable for damages suffered due to their lack of due diligence in properly handling my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
I am writing to formally dispute Experians failure to properly investigate a dispute I submitted regarding an account on my credit report. I requested an investigation, and within minutes, the request was closed without a thorough review, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Investigation ( XXXX U.S.C. XXXX ( a ) ( 1 ) ) Under the FCRA, Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days. The fact that my dispute was closed within minutes indicates no proper investigation was conducted, which constitutes a violation of federal law. 
Failure to Forward My Dispute to the Furnisher ( XXXX U.S.C. XXXX ( a ) ( 2 ) ) Upon receiving my dispute, Experian is legally obligated to notify the data furnisher and provide all relevant information regarding my claim. Given the rapid closure of my dispute, it is evident that no such notification was made, further violating the law. 
Willful Non-Compliance ( XXXX U.S.C. XXXX ) Knowingly failing to conduct a proper investigation and disregarding my dispute request qualifies as willful non-compliance. Under this statute, I am entitled to damages of up to {$1000.00} per violation, in addition to punitive damages and legal costs. 
Negligent Non-Compliance ( XXXX U.S.C. XXXX ) If this failure to investigate was due to negligence, Experian is still liable for damages suffered due to their lack of due diligence in properly handling my dispute.

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 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
I have disputed a medical bill on my credit report multiple times from Receivable Management Group. CFPB 's Recent Rule Eliminates Medical Debt from Credit Reports. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) published a final Rule ( the Rule ) that prohibits consumer reporting agencies from including individuals ' medical debt on consumer credit reports. 

The amount is for {$760.00} I called Receivable Management Group on XX/XX/year> and they will not remove the medical bill from my credit report and continue to want to collect the money from me even though it is illegal for them to do so because it is a medical bill.

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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing in response to your recent communication regarding the debt you claim I owe, referenced under account number XXXX. To ensure that I am addressing this matter accurately, I kindly request that you provide me with the necessary documentation to validate this debt. In accordance with the Fair Debt Collection Practices Act, I have the right to request verification of the debt. Specifically, I would appreciate the following information : The amount of the debt and a breakdown of any fees or interest. The name of the original creditor and details of the account. Documentation that proves I am responsible for this debt. Evidence of the securitization of the debt, including any assignment of the debt and the chain of ownership. Furthermore, I would like to formally request the cancellation of this debt if the requested validation can not be provided. Please send this information to my address or email listed below. I look forward to your prompt response so we can resolve this matter. Thank you for your attention to this request. Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Delete immediately XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Delete immediately XXXX  XXXX XXXX Account Number : XXXX Please ensure that all information is accurate

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