vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-11 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: NC

Complaint narrative:
There is an inquiry from XXXX XXXX that doesnt belong to me. I notified Equifax and they refuse to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be resolved asap. looking over the data listed ive noticed all data is reporting illegal an fraudulent information. this has caused major denials on my credit report. please review an remove the listed items to help clear my credit profile asap.

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 2023-11-11 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

The Numbered Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 

Victim of identity theft, XXXX XXXX XXXX  all credit inquiries and New Credit during XXXX XXXX XXXX  to be Deleted From Credit Report 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 explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and I live at, and own a home at, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I appealed my property tax rate and received a successful decision to reduce my property taxes from a total of {$29000.00} per year to {$20000.00}. On XXXX separate occasions beginning on XX/XX/2023 I requested that Ally bank, my mortgage service company, review my escrow estimates for the next year so I would not be charged an overpayment of almost {$9000.00}. They have multiple times mis-calculated my new monthly escrow payment and most recently, on XX/XX/2023, they are calculating my monthly escrow payment based on an annual tax payment of {$27000.00}. I provided a summary letter, the annual calculations, the decision on my property tax value from the local taxing bureau and annual tax exact calculations that cover all 3 types of homeowner property taxes ( local township , county and school district ) that clearly demonstrate the {$20000.00} total. At this point, Ally bank are either incapable of completing simple mathematical addition or outright fraud. I need this fixed without another 30 day delay to try again to recalculate my escrow payment.

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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed the presence of inquiries that I did not authorize or initiate. I understand that my credit report should only include inquiries that I have explicitly consented to, and any unauthorized inquiries may negatively impact my credit score. 

Below are list of unauthorized inquires that need to immediately be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to these statutes, I have the right to dispute inaccurate or unauthorized information on my credit report. I kindly request that you investigate the aforementioned unauthorized inquiries promptly and remove them from my credit report as per the following legal provisions : Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) ( 1 ) : Requires that consumer reporting agencies provide consumers with a copy of their credit report upon request.

Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information on their credit reports.

Section 611 ( a ) ( 2 ) : Mandates prompt investigation of disputed items by the credit reporting agency.

Fair and Accurate Credit Transactions Act ( FACTA ) : Section 113 : Prohibits the inclusion of unauthorized inquiries on a consumer 's credit report.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices related to consumer financial products or services.

I kindly request that you provide a written response within the statutory timeframe acknowledging the receipt of this dispute and detailing the results of your investigation. If the inquiries are indeed unauthorized, I expect them to be promptly removed from my credit report.

Please send all correspondence related to this matter to the address listed

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 2023-11-11 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, Transunion and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX Acct XXXX XXXX XXXX Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2023-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: T.S. Holdings
State: FL

Complaint narrative:
This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impat the accuracy of my credit report. 2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
On Wednesday, XX/XX/2023, I'd Cash App {$300.00} to my receiver, and he is unable to cash it out, as there is nothing wrong with his bank account. He file a complaint with Cash App ( XXXX ), and they were unable to tell him why he can't Cash-Out the monies. They told him that they cancelled his account and put in a XXXX # XXXX, and that he will hear from a XXXX via email,. Well to date, the money {$290.00} ( $ XXXX {$8.00} Fee ) is still in limbo in the App, on his phone ; and no one has emailed him of the status of his complaint. My bank states that they can not return my monies to me, as this was a Cash transaction. Please help me get my full {$300.00} back from Cash-App. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: CA

Complaint narrative:
XXXX, Equifax and XXXX inaccurately reported hard inquiries on my credit report. 

Remove the following hard inquiries from my XXXX, Equifax and XXXX credit reports immediately! 

The hard inquiries below were reported as soft pull inquires that I do not recognize and XXXX, Equifax and XXXX inaccurately posted them on my credit report as hard inquiries that are not mine. 

Soft pull inquiry errors, inaccurately reported as Hard Pull inquiries that i do not recognize, that must be deleted - 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  Cc : FTC Report # XXXX Cc : Attorney Generals office Cc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau Also, see uploaded screenshots/ document. Please provide proof of my signature, giving permission for any inquiries to be posted to my credit report for the dates above. If you can not provide my signature as proof of verification and validation, giving permission, then the above inquiries must be removed immediately. Or I reserve the right to sue under the Fair Credit Reporting Act and Metro 2 Deletion of soft pull inquiries inaccurately reported as hard inquires that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 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:
I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed the presence of inquiries that I did not authorize or initiate. I understand that my credit report should only include inquiries that I have explicitly consented to, and any unauthorized inquiries may negatively impact my credit score. 

Below are list of unauthorized inquires that need to immediately be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to these statutes, I have the right to dispute inaccurate or unauthorized information on my credit report. I kindly request that you investigate the aforementioned unauthorized inquiries promptly and remove them from my credit report as per the following legal provisions : Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) ( 1 ) : Requires that consumer reporting agencies provide consumers with a copy of their credit report upon request.

Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information on their credit reports.

Section 611 ( a ) ( 2 ) : Mandates prompt investigation of disputed items by the credit reporting agency.

Fair and Accurate Credit Transactions Act ( FACTA ) : Section 113 : Prohibits the inclusion of unauthorized inquiries on a consumer 's credit report.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices related to consumer financial products or services.

I kindly request that you provide a written response within the statutory timeframe acknowledging the receipt of this dispute and detailing the results of your investigation. If the inquiries are indeed unauthorized, I expect them to be promptly removed from my credit report.

Please send all correspondence related to this matter to the address listed

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 2023-11-11 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:
I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I noticed the presence of inquiries that I did not authorize or initiate. I understand that my credit report should only include inquiries that I have explicitly consented to, and any unauthorized inquiries may negatively impact my credit score.

Below are list of unauthorized inquires that need to immediately be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. According to these statutes, I have the right to dispute inaccurate or unauthorized information on my credit report. I kindly request that you investigate the aforementioned unauthorized inquiries promptly and remove them from my credit report as per the following legal provisions : Fair Credit Reporting Act ( FCRA ) : Section 609 ( a ) ( 1 ) : Requires that consumer reporting agencies provide consumers with a copy of their credit report upon request.

Section 611 ( a ) ( 1 ) ( A ) : Grants consumers the right to dispute inaccurate information on their credit reports.

Section 611 ( a ) ( 2 ) : Mandates prompt investigation of disputed items by the credit reporting agency.

Fair and Accurate Credit Transactions Act ( FACTA ) : Section 113 : Prohibits the inclusion of unauthorized inquiries on a consumer 's credit report.

Consumer Financial Protection Act ( CFPA ) : Prohibits unfair, deceptive, or abusive acts or practices related to consumer financial products or services.

I kindly request that you provide a written response within the statutory timeframe acknowledging the receipt of this dispute and detailing the results of your investigation. If the inquiries are indeed unauthorized, I expect them to be promptly removed from my credit report.

Please send all correspondence related to this matter to the address listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with Equifax, XXXX and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 



Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXXXXXX XXXX  Acct # : XXXX Unauthorized Credit Inquiries to be Removed IMMEDIATELY : XXXXXXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the inaccurate information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I will describe my complaint in short but accurate detail. See attachment for full details. 
The Original creditor, Continental Finance sent me XXXX emails stating that the account was charged off and sold to : Email dated XXXX XXXX ( XXXX. ) XXXX XXXX XXXX XXXX XXXX Email dated XX/XX/2017 ( XXXX. ) XXXX XXXX, XXXX. Both emails states that I should refer any future questions I have regarding the account to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. That is misleading, and deceptive practice. Violation of the ( FDCPA ). 
Continental Finance continue to report onto my credit report making it seems that I owe them. This reporting has been going on for XXXX years. This reporting is a detriment to my credit and character. 

Also. XXXX furnished my private and personal information to two debt collectors without my permission. Violation of the ( FCA ). See attachments for full details.

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 2023-11-11 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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