vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson Capital is attempting to collect on an illegal debt from XXXX. I adamantly disagree with this debt and dispute owing verizon not even XXXX XXXX. 
They are claiming a balance {$2800.00} - of which I exercised my rights under federal law to have this balance and debt be validated. 

Jefferson capital responded with a XXXX statement dated XX/XX/year>2022 that itemized {$4.00}, and had no details on the remaining {$2900.00} balance. In addition to this failure to itemize and corroborate how the heck this balance can be {$2900.00}, they did not provide any evidence whatsoever to show that I am the correct consumer or that they have lawful rights to this debt, or anything that binds me to this claim whatsoever. 

I am not being pedantic here, I simply do not agree there is any possible way I could owe XXXX nearly {$3000.00}. How are they calculating this? What is this balance for? Is it even mine? I feel these are legitimate questions and concerns that as a protected consumer I have the right to be heard and answered. I have asked Jefferson Capital numerous times for this information and there failure to provide anything meaningful, substantive, and worthwhile is very concerning. 

JCS Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 explanation
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
Dear CFPB, I am filing a complaint against Experian, Equifax, and TransUnion for failing to properly verify and/or delete inaccurate accounts on my credit report. 

On XX/XX/year>2025, I sent formal dispute letters to all three credit bureaus, requesting verification of multiple accounts under FCRA 609 ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). I specifically asked for original signed contracts proving I agreed to these debts. However, the bureaus failed to provide proper verification or remove the accounts within the required 30-day timeframe.

Their failure to comply with the FCRA is negatively impacting my credit and financial opportunities. I am requesting the CFPB to investigate and ensure these inaccurate accounts are properly verified or permanently deleted as required by law. 

Please let me know the next steps regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/year> RE : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I receive a copy of my credit report and found the following items to be error. See the list of errors below. Here as follows are the items in error : 1. XXXX XXXX {$640.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX XXXX {$520.00} 4. XX/XX/XXXX {$4100.00} By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the credit can not verify. I understand that under 15 U.S.C Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Sincerely yours, 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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against CashApp regarding a serious issue of unauthorized account creation and their failure to provide adequate and timely resolution. 

Without my authorization, CashApp opened an account in my name and subsequently issued a debit card under this unauthorized account through XXXX XX/XX/XXXX At no point did I consent to or initiate the opening of this account. This is a clear violation of my financial security and privacy, and raises significant concerns regarding CashApp 's identity verification and account security practices. 

Upon discovering this fraudulent activity, I attempted to contact CashApp to report the issue and seek resolution. When I reached out requesting to investigate and close this account, they kept requesting more information from me and asking me to send photos (! ) of the face and back of this fraudulent debit card. This, of course, I refused, since this debit card should not even exist, and because this would mean disclosing sensitive information such as the card 's number, expiration, etc. that could be then used to cause me financial damage. Despite my attempt to have them fix the issue, I was unable to reach a resolution. As a result, I was forced to take alternative measures by contacting XXXX directly to cancel the unauthorized debit card. However, I remain uncertain as to whether the bank and CashApp account itself is still active under my name, which poses ongoing risks to my personal and financial security. 

I request immediate action from CashApp to : Close any unauthorized accounts opened in my name. 
Work with XXXXXX/XX/XXXX to close all existing accounts and debit cards, and completely remove my information from their systems that were all fraudulently created ( I am NOT a XXXXXX/XX/XXXX customer, nor would I like to be ). 
Provide written confirmation that no unauthorized accounts ( other than my existing authorized account ) remain open under my identity, both with CashApp and with XXXX. 
Conduct an internal review of their verification processes to prevent similar fraudulent occurrences in the future. 

I urge you to investigate this matter and hold CashApp accountable for their failure to implement proper safeguards against unauthorized account creation and their complete lack of customer support seriousness and timeliness. 

Please advise on the next steps I should take to ensure this issue is fully resolved. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : XXXX  , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IN

Complaint narrative:
I am writing to formally request a validation of certain accounts appearing on my credit report under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. As a consumer, I have the right to dispute and request validation of any account that is inaccurately or erroneously reported on my credit file. 

Under XXXX U.S.C. XXXX ( a ) ( 1 ) of the FCRA, credit reporting agencies are required to conduct a thorough investigation when a dispute is filed. Furthermore, any information reported must be accurate, verifiable, and substantiated by the original creditor or furnisher as required under XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX. 

I am requesting that you provide me with validation, not mere verification, of the following accounts, including but not limited to : 1. A complete accounting and itemization of the alleged debt 2. A copy of any signed agreements, applications, or contracts that prove my obligation to pay 3. Documentation showing the original date of delinquency and the chain of custody of the debt Please provide this information within 30 days as required by law. If the accounts can not be validated with the requested documentation, they must be deleted from my credit report immediately pursuant to XXXX U.S.C. XXXX ( a ) ( 5 ). 

Additionally, failure to comply with these requirements may constitute a violation of the FCRA and CFPB regulations, which could result in legal action against your agency. I request that all future communications be in writing. 

Please respond to this request at the address provided above. I look forward to your prompt attention to this matter.

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 2025-02-06 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: IN

Complaint narrative:
I am writing to formally request a validation of certain accounts appearing on my credit report under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. As a consumer, I have the right to dispute and request validation of any account that is inaccurately or erroneously reported on my credit file. 

Under XXXX U.S.C. XXXX ( a ) ( 1 ) of the FCRA, credit reporting agencies are required to conduct a thorough investigation when a dispute is filed. Furthermore, any information reported must be accurate, verifiable, and substantiated by the original creditor or furnisher as required under XXXX U.S.C. XXXX ( b ) and XXXX U.S.C. XXXX. 

I am requesting that you provide me with validation, not mere verification, of the following accounts, including but not limited to : 1. A complete accounting and itemization of the alleged debt 2. A copy of any signed agreements, applications, or contracts that prove my obligation to pay 3. Documentation showing the original date of delinquency and the chain of custody of the debt Please provide this information within 30 days as required by law. If the accounts can not be validated with the requested documentation, they must be deleted from my credit report immediately pursuant to XXXX U.S.C. XXXX ( a ) ( 5 ). 

Additionally, failure to comply with these requirements may constitute a violation of the FCRA and CFPB regulations, which could result in legal action against your agency. I request that all future communications be in writing. 

Please respond to this request at the address provided above. I look forward to your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a financial institution 's failure to provide me with a paid-in-full letter for an account. After being told by several of their representatives that I would have one once it was paid in full. I have successfully settled the debt. Despite fulfilling my financial obligation and making full payment, I have yet to receive written confirmation of this closure, which is necessary for my records.

The details of my case are as follows : Creditor/Lender Name : American Express Account Number : XXXX Date of Final Payment : XX/XX/XXXX Method of Payment : XXXX I have made multiple attempts to contact the creditor to request the paid-in-full letter, the most recent was on XX/XX/XXXX chatted with XXXX who stated that he would mail the letter in 5-7 business days. After following up today-XXXX with Abyss through the same chat feature who stated he will email me a letter, but what he email was not a letter and then proceeded to tell me he can not send a letter. I have not received a resolution. This document is essential for my financial records and credit reporting purposes, and the failure to provide it is causing unnecessary difficulty. 

I respectfully request the CFPB to investigate this matter and ensure that the creditor provides the necessary documentation confirming that my account has been paid in full. Enclosed are copies of my payment confirmation and any previous correspondence related to this issue. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. Please feel free to contact me at XXXX or XXXX for any further information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2025-02-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has 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 unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 

These failures align with my experience, where Experian 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 inaction violates federal law and my rights as a consumer. 

Disputed accounts : 1. ) XXXX XXXX - account number XXXX 2. ) XXXX XXXX - account number - XXXX 3. ) XXXX XX/XX/XXXXXXXX XXXX - account number - XXXX 4. )XX/XX/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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
This apartment complex is saying i lived at this location but i never lived here this is fraud.the address is XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX pa XXXX

Company response to consumer: Closed with explanation