vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
In XX/XX/year> I learned that my personal information was compromised in a data breach involving Experian/Transunion/Equifax credit reporting agency ] . 
Following this incident, I reviewed my credit report and discovered several inaccuracies that I believe are linked to the breach. 
**Inaccurate Information** : The following items on my credit report are incorrect : 1. [ XXXX XXXX in the amount of {$1800.00} account number listed is XXXX this is not my account and I would like this deleted immediately. 

2. XXXX credit card is not my account Amount of {$2000.00} **FCRA Rights Violated** : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have already initiated disputes with the credit reporting agencies, but I am seeking your assistance to ensure these inaccuracies are addressed promptly and appropriately. 
**Request for Action** : I request that the CFPB investigate this matter and assist in the removal of the incorrect items from my credit report. Additionally, I would appreciate guidance on any further steps I can take to protect myself from identity theft and ensure my credit report is Accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
In XX/XX/year> I learned that my personal information was compromised in a data breach involving Experian/Transunion/Equifax credit reporting agency ] . 
Following this incident, I reviewed my credit report and discovered several inaccuracies that I believe are linked to the breach. 
**Inaccurate Information** : The following items on my credit report are incorrect : 1. [ XXXX XXXX in the amount of {$1800.00} account number listed is XXXX this is not my account and I would like this deleted immediately. 

2. XXXX credit card is not my account Amount of {$2000.00} **FCRA Rights Violated** : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I have already initiated disputes with the credit reporting agencies, but I am seeking your assistance to ensure these inaccuracies are addressed promptly and appropriately. 
**Request for Action** : I request that the CFPB investigate this matter and assist in the removal of the incorrect items from my credit report. Additionally, I would appreciate guidance on any further steps I can take to protect myself from identity theft and ensure my credit report 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
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a excessive amount of credit inquiries that I did not authorize and I notified the credit bureaus and file the dispute which they say came back as mines but how theres over XXXX credit increase when I know I did not do myself. I was under a XXXX XXXX XXXX so I wouldnt apply for anything and all the cure credit bureaus do not want to help me. This is my last resort to get help is to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
There is a excessive amount of credit inquiries that I did not authorize and I notified the credit bureaus and file the dispute which they say came back as mines but how theres over XXXX credit increase when I know I did not do myself. I was under a XXXX XXXX XXXX so I wouldnt apply for anything and all the cure credit bureaus do not want to help me. This is my last resort to get help is to file a complaint.

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 2025-02-08 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:
I am writing notify you I am a victim of identity theft and a data breach that has impacted my personal financial information. As such I request that you block and delete all account related to the following collection agencies from my credit report, pursuant to my rights under FCRA 605B15 U.S.C 1681c-2 ( a ). 
XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : 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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
refer to the attached, as this is widespread and involves numerous credit cards as none of the business have easy XXXX options for someone who is XXXX, struggling with XXXX XXXX XXXX issues and who also fall under protected class. 

Each of the business expects a person with XXXX XXXX to spend countless hours with each of them and I barely have the XXXX XXXX XXXX, XXXX XXXX XXXX some days and yet when I am able to call I am verbally attacked. 

I no longer have a phone so as I stated many times before email is the only option and since I either have to live in my XXXX  since I was denied many loans or if my credit card does work is when I have access to wifi. 

it would be great if some company allowed me to live and focus on my health. you can stop sending mail as I can XXXX XXXX and going to a mailbox isn't top priority my life is. 
thanks similar letter was mailed to social security, illinois, VA, and 3 credit bureaus

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 2025-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: PA

Complaint narrative:
I contacted cash app about my card ( XXXX XXXXXXXX ) that kept being closed/cancelled without notice. They told me that because of my account having been involved in a dispute ( that I initiated ) for services not received, my account was closed. When I asked for more information they gave me a generic answer to try to resubmit my request to open/request a new card in 14 days. After 14 days, I was still banned from accessing a new card ; and I was told to wait 30 more days. Everytime I contact cashapp since then, they tell me that they can not provide any information in regards to my card/account being reopened and provided some generic terms of service agreement. Its been 6+ months since Ive been banned and I dont feel this was fair. I used my card for services I was not given, and then following a dispute, I was blackballed relentlessly with false promises and generic answers and nobody I could speak to about to escalate it. I ended up deleting the cash app account and opening a new one ( XXXX XXXXXXXX ), but because my social security number was banned, when I request a card- it says unexpected error, please try again later. Its only when I contact support that I am still being provided the basic policy, which doesnt say anything about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Excessive phone calls. When I told them I would be making a payment in the near future, they continued to call excessively. Another time when I answered I expressed that it is illegal for them to call me as much as they do and the rep informed me the only way to stop the phone calls is to ask for a cease and desist. I told them I did not want that, only for the excessive calls to stop. When I asked to speak with a supervisor I was informed there was not one available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I contacted a representative the company about a refund on a person name XXXX XXXX XX/XX/XXXX amount was {$20.00}. The company fell to give my money back each time I contacted about something coming out of my account they fall to handled it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
XX/XX/XXXX Dispute letter sent XX/XX/XXXX Dispute letters sent XX/XX/XXXX Dispute letters Incorrect information still remains on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have several accounts that are being reported and they don't belong to the consumer and the information requested to validate the debt has not been provided. XXXX  account reference a date of birth that is incorrect and the date of the age for account is incorrect. A XXXX more or less is being reported by a unknown party that has been sending letters of collection, the request for validation of debt has not been provided.

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: 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: FL

Complaint narrative:
I have several accounts that are being reported and they don't belong to the consumer and the information requested to validate the debt has not been provided. XXXX  account reference a date of birth that is incorrect and the date of the age for account is incorrect. A XXXX more or less is being reported by a unknown party that has been sending letters of collection, the request for validation of debt has not been provided.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
My information was exposed in a data breach. 

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs to be removed within XXXX days. 

Please remove the following accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed. 
It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am contacting Portfolio Recovery as I have asked you all to stop contacting me via email and cease from ALL communication on XX/XX/year>. Portfolio Recovery has continued to contact me on XX/XX/year> via email after asking you all to cease from communication. This is harassment, your tactics are aggressive, and it is against my rights according to 15 USC 1692c ( c ). Portfolio Recovery is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I will be seeking damages with your company if I receive further contact regarding alleged debt below : Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding fraudulent accounts and credit inquiries that have appeared on my credit reports due to identity theft. I have attached my FTC Identity Theft Report ( Report Number : XXXX ) as supporting documentation. 

Details of the Identity Theft After reviewing my credit reports in XX/XX/XXXX, I discovered multiple fraudulent accounts and unauthorized credit inquiries that I did not initiate. The details are as follows : Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX ( Auto Loan ) Opened fraudulently in XX/XX/XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX Bank ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX Additionally, fraudulent personal information ( including a different name and address ) has been associated with my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 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 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 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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC
State: MD

Complaint narrative:
I am currently in the process of disputing a Credit Card and amount on my credit report. I continue receiving documentation regarding wage garnishment and my employer is receiving the documentation as well from Brock & Scott PLLC. I receive calls from my employer when these documents are received. Within the week of receiving the documents I receive documentation from the XXXX office stating the garnishment is dismissed. The following month I receive an notification of garnishment and a dismissal of garnishment a short period later. This is harassment and may cause my to lose employment. I feel this is harassment and will contact Brock & Scott PLLC in writing. Are there steps I can take to end this harassment? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
Name, address and all personal information is inaccurate. 
15 USC 1681s-2 please remove all inaccurate information and I have attached copies

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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