vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA Dear Experian, I am writing to formally dispute an inaccurate account appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$4700.00} Date Opened : XX/XX/XXXX Upon reviewing my credit report, I found this collection account to be inaccurately reported. I am disputing this information based on the following FCRA violations : 1. Failure to Verify Accuracy ( 15 U.S.C 1681e ( b ) ) Credit reporting agencies are required to ensure maximum possible accuracy. I request documentation verifying the validity of this debt, including original account agreements and payment history. If this can not be verified, it must be removed immediately. 
2. Failure to Conduct a Reasonable Investigation ( 15 U.S.C 1681i ( a ) ) Under the FCRA, upon receipt of a dispute, the credit bureau must investigate and provide verification within 30 days. If the data furnisher can not substantiate this account with documented proof, the entry must be deleted from my report. 
XXXX. Inaccurate Reporting of Balance ( 15 U.S.C 1681s-2 ( a ) ) The balance and past due amounts appear inconsistent. If the account is paid or settled, it should reflect a XXXX balance. Reporting inaccurate information violates the FCRA, and I demand immediate correction or removal. 
4. Potential Re-aging of Debt ( 15 U.S.C 1681c ) If the reported date does not align with the original delinquency date, this could be a case of unlawful re-aging, which extends the reporting period unfairly. Please provide proof of the original delinquency date. 

Under the FCRA, you are required to : Conduct a thorough investigation within 30 days. 
Provide written proof supporting the accuracy of the account. 
Delete the account if verification is not completed within the given timeframe. 

Please update my credit file accordingly and send me a written response confirming the results of your investigation. If Experian fails to comply, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal remedies. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as required by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Block, Inc.
State: TX

Complaint narrative:
I want all refund they even took my last cash at and I was in good standards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Sequium Asset Solutions , LLC has notified me of a debt I owe to trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX on XXXX XX/XX/year> lease expired and I payed all rent and fees of {$1500.00}. Apartment was turned in inspected on XXXX XXXX. 

XXXX claimes I owe XXXX. I called them and refuse to explain. I called Billing collections Sequim and request a full dispute. I have banking statements to prove I paid due diligence. This is not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: PR

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNT XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a notice from Linebarger Attorneys at Law of a notice to collect on an unpaid traffic citation from XXXX XXXX XXXX California from a traffic citation on XX/XX/XXXX in the city of XXXX, California. 
Knowing that I have not been in the state of California since XXXX of XXXX. I knew this was a case of mistaken identity. I called and spoke to the representative assigned to my case and was told the would review the information received. 
On XX/XX/XXXX Linebarger Goggan Blair & Sampson representative, XXXX XXXX provided me a copy of the traffic citation. The citation shows the driver and registered owner of the vehicle involved in the traffic citation was a XXXX XXXX XXXX of XXXX, Washington. Upon both of us reviewing the traffic citation, XXXX XXXX and I agreed that it indeed was not me who generated the traffic citation and the requested funds garnishment would be submitted to be rescinded. 
On XX/XX/XXXX, my savings account was garnished {$480.00} with a note of state of California legal order. Upon speaking with the State of California representative, I was able to confirm that the {$480.00} was a legal order garnishment stemming from a XX/XX/XXXX unpaid traffic citation. This confirms that Linebarger Attorneys at Law did nothing with the detection and the information reviewed on the citation from the XX/XX/XXXX conversation with XXXX XXXX. 
I have made three calls to Linebarger Goggan Blair & Sampson requesting information as to why I was still garnished when it is clear case of mistaken identity and inaccurate reporting. Each call has been met with : " Your file is being reviewed by our review team and no timeline of resolution is available at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NV

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had wrote to all 3 credit agencies because I am a victim of identity theft. My passport had been stolen and from there everything went down hill. Someone had start filing for state benefits in my name, tried to free school money in name, I have not even been able to get my taxes back in 4 years. At first I thought how bad could this get? I could have never been more wrong. I watched videos and read about what you needed to do because all these credit agencies want XXXX to help you. Well if your credit is bad because of identity theft where do they think your going to have that? And I typed letters up and printed 4 out one for the company and one to send to each credit agency for the dispute. I sent the letters out on XX/XX/year> and never heard anything back from Equifax until XX/XX/year> and in two separate envelopes I got that received my dispute in the first and here what to expect next. And then in the second one that my all the documents were illegible. Everything was typed and they were illegible that received them and told me what to expect next. XXXX received and I recieved results back by XX/XX/XXXX. I had disputed hard inquiries that were made while I was in the hospital, or when I had my daughter. I told them which were mine. I told them which addresses on there were not mine. And yet I still have a collections on my account which is not mine. The current student loans on the account the account are mine. And somehow, I applied for a credit card one and was so happy when I got it and then it was charged off. And I don't even know how! I have been trying to apply for business loans and business credit to get my business off the ground with absolutely XXXX luck. And this is horrible. Because the two that I applied for go off equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: LA

Complaint narrative:
In XX/XX/XXXX, I opened XXXX XXXX XXXX with XXXX. In XXXX XXXX XXXXXXXX My XXXX XXXX with transferred to XXXX who sent me a welcome letters and is currently reporting late payments in XXXXXXXX XXXX XXXX to ( XXXX, Transunion and XXXX ) I contacted XXXX, and requested documentation is reference to the late payments, XXXX stated, they do not have any documentation for the late payments, who was servicing my student loans at that time. 

Furthermore, XXXX is my currently servicing my student loans. Who is now responsible for reporting the correct information on 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 2025-02-03 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: TN

Complaint narrative:
I was told this would be free consultation and they charged me without my knowledge

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit report, I identified errors in my personal information that need correction. I am requesting the removal of any incorrect addresses that do not reflect my current address. Additionally, my accurate employer is XXXX XXXX XXXX XXXX, and I request the update of any inaccurate employer details on my credit report. These inaccuracies can misrepresent my credit profile, potentially causing difficulties in obtaining credit, delays in financial transactions, and unnecessary confusion. Moreover, such errors contribute to stress and anxiety, impacting both my financial and overall well-being. Ensuring accurate reporting is crucial to protecting my credit status and preventing undue disadvantages from errors beyond my control.

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 2025-02-03 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ) XXXX XXXX XXXX - XXXX Has violated my rights. 

I looked at my Transunion Credit Report on XX/XX/year> and noticed this is incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, after any investigation under paragraph ( 1 ) if any information disputed by a consumer an item of information is found to be inaccurate, or can not be verified, the consumer reporting agency shall ( 1 ) promptly DELETE THAT ITEM of information, based in the results of the investigation and notify the furnisher of that information has been modified or DELETED from the file of the consumer. 
And according to XXXX, they are not to furnish any info relating to a Consumer Reporting Agency if the information is innaccurate.

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I got scammed and money was taken from my account. I sought help from my bank and reported the whole issue. I filed a police report as well and even law enforcement told me that whoever this to me were obviously professionals. I sent Huntington Bank all the screenshots, emails and evidences to support my case but they told me thy could not recover my money. Huntington Bank was also telling me that I need to pay back the negative balance. Please help me and my family. The money I lost was blood money and i worked really hard for it to cover our mortgage and bills. With a negative balance, I do not know what to do. Huntington told me to contact the merchant. The merchant is a scammer. Please help me resolve this on our favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 



ACCORDING TO 15 USC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date XX/XX/year> Collection Agencys Name and Address Santander XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX RE : XXXX Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-02-03 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: MD

Complaint narrative:
I called the credit bureaus, and I sent letters to them concerning the inquiries on my credit report. They kept giving me the run around teling me I need to contact the creditors. I tried contacting the creditors, but they told me I need contact the credit bureas. I tried calling the credit bureus multiple times after I sent the letters and they weren't cooperating unfortunately. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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