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: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute Incorrect Bankruptcy on My Credit Score Dear Equifax Dispute Department, I recently reviewed my VantageScore 3.0 provided by Equifax and noticed that my credit score is being negatively impacted due to a bankruptcy. However, after carefully reviewing my credit report, I found no bankruptcy listed on my file. Additionally, I have never filed for bankruptcy. 

Since this is a clear error, I am requesting an immediate investigation and correction. Please : 1. Provide a detailed explanation of why my score is being impacted by a bankruptcy when none exists on my report.

2. Correct any errors affecting my credit score related to this issue.

3. Update my credit score to reflect the removal of any bankruptcy-related negative impact.

4. Provide a written confirmation once the investigation is complete.

I have attached a copy of my Equifax credit report for reference. Under the Fair Credit Reporting Act ( FCRA ), I request this dispute be investigated within 30 days. Please notify me in writing of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : Copy of my Equifax credit report

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 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. 
( i ) 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 item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.

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 fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: Experian Information Solutions 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: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LEXISNEXIS
State: AL

Complaint narrative:
All my information was exposed in a data breach and I want all of the late payments and collections removed now!

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: PA

Complaint narrative:
On XX/XX/year> I submitted a request with XXXXXXXX XXXX XXXX  to see about a home equity loan I was denied because Equifax reported I had a mortgage I had delinquent accounts I had missed payments. I have none of the above my mortgage is paid off. Ive never been delinquent on any account and Ive never been late on any account. They got my report wrong I tried calling Equifax. They asked for a copy of my drivers license and my Social Security card which I mailed them. I havent heard nothing since its been a month every time I call they say they can not confirm my identity. They do not help they do not care the last phone call. They hung up on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: IL

Complaint narrative:
Around XX/XX/year> I was charged interest when I should have not been as I was in forbearance in the SAVE plan. I called them and filed a complaint with them but they did an internal investigation and kept the interest charges. I paid the {$550.00} in order to avoid any issues or penalties. The responded by saying they saw no issue and kept the interest amount charged to my account when it should not have been. Since then I have not had issues with interest accrual but this XXXX XXXX should not have been charged by EdFinancial to begin with. I am requesting they credit my account the full amount of that interest payment.

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: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
All my information was exposed in a data breach and I want all of the late payments and collections removed now!

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: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
All my information was exposed in a data breach and I want all of the late payments and collections removed now!

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer 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 consist of a personal credit card, Auto loan accounts, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( Private Case Number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud. My information was also involved in the recent XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: DE

Complaint narrative:
{$2500.00} cash app has taken money from my business account 3-3.5 years back I disputed it. I then I got no satisfaction from them i went to my bank to dispute it so they did. I had then hot card my business bank card I work with day to day and it caused XXXX XXXX XXXX worth of transactions to go wrong between payroll and purchases and I had to cancel a trip do to the lack of the money lost the money for our plane tickets and hotel stays and other activities on that trip it was detrimental along with missing certain credit payments because of the messed account I usually paid all those bills from so my credit cards were not available to help with that trip as a result. I removed the app. Destroyed the card took weeks to get a new one and took months between the nsf fees an other things to get straight gain but Cash app says they still needed more money from me? The fraudsters apparently got the money thru my account somehow on their app. Kept it. And then Cash app kept it or let them keep it and now has my account closed still negative {$1900.00} to this day 3.5 yrs later.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX : 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 XXXXXXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXXXXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX XXXX XXXX ( Credit Card ) Opened fraudulently in XX/XX/XXXX Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit Report XXXX XXXX XXXX XXXX  and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ).

And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 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.

( i ) 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 item of information that the Information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to 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. 




Delete account XXXX XXXX XXXX from my credit report. Delete account XXXX XXXX XXXX from my credit report, because of multiple violations of the fair credit reporting act.

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: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been disputing the names that are used on credit reporting as names I never used, incorrect addresses and jobs. I have been involved in several security breaches over the years. I don't know if the variations of my name is used in fraudulent activities.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: TX

Complaint narrative:
EXPERIAN continues to report an unverifiable account on my report, even after a number of disputes have been filed and I have previously exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by sending a Cease and Desist letter via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. A copy of this letter is enclosed, along with proper identification documents to verify my identity. 
Under 15 U.S.C. 1692c ( c ) of the FDCPA, once a consumer sends a cease and desist request, a debt collector may only contact them to confirm receipt or to inform them of legal action. Any further collection activityincluding continued reporting to Experianis a clear violation of federal law. XXXX XXXX XXXX has willfully ignored these legal requirements.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
So I have had my credit frozen for almost 4 years after having my identity tampered with and never had any thing resolved. At the moment im not able to even get a phone plan or credit card because TransUnion shows unavailable when requesting my credit report. I have notified them and paid for identity fraud protection from numerous companies/banks and TransUnion when this first started. I unfroze my report before asking and applying for my report. I notified two different people at TransUnion that when I look at my report online and the copy that they sent in the mail that neither give me any information thats relevant. There are credit card loans that have been paid off years ago and other accounts they are showing to be delinquent and shows no grade or credit score. I tried going through there third party service to obtain the score/grade and it was unavailable. This has cost me a lot of time and money. Thank you for taking the time to read this and help with my situation.

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 — Reporting company used your report improperly
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief