vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
XXXX'Dear Equifax Credit Dispute Department,\nI am writing to dispute fraudulent charges on my credit report in the amount of XXXX that was opened between the time frame of JXXXX XXXX XXXX also request that you cease reporting the inaccurate information to all nationwide credit\nreporting agencies (CRAs) to which you provided it.\n\nI am a victim of identity theft, and I did not make these charges. I request that you remove the\nfraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and remove the accounts:XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX  Account Number: \XXXX XXXX Account Number: XXXX Account Number: XXXX XXXX BANK Account Number: XXXX XXXX Account Number: XXXXPlease add a promotional suppression to all non-account holding inquiries over XXXX  days old.\n\nPlease remove the names that do not belong to me:XXXX XXXX XXXX XXXX XXXX XXXXPlease remove the addresses that do not belong to me:XXXX XXXXXXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX  SC XXXXPlease remove the employment that does not belong to me:XXXX XXXX XXXX XXXX XXXX XXXXEnclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section XXXXB of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actions.\n\nSincerely,\XXXX XXXX XXXX \nEnclosures\nIdentity Theft Report\nCredit report with disputed information indicated\nFTC Notice to Furnishers of Information\nFair Credit Reporting Act'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: SC

Complaint narrative:
XXXX'Dear Equifax Credit Dispute Department,\nI am writing to dispute fraudulent charges on my credit report in the amount of XXXX that was opened between the time frame of JXXXX XXXX XXXX also request that you cease reporting the inaccurate information to all nationwide credit\nreporting agencies (CRAs) to which you provided it.\n\nI am a victim of identity theft, and I did not make these charges. I request that you remove the\nfraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and remove the accounts:XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX  Account Number: \XXXX XXXX Account Number: XXXX Account Number: XXXX XXXX BANK Account Number: XXXX XXXX Account Number: XXXXPlease add a promotional suppression to all non-account holding inquiries over XXXX  days old.\n\nPlease remove the names that do not belong to me:XXXX XXXX XXXX XXXX XXXX XXXXPlease remove the addresses that do not belong to me:XXXX XXXXXXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXX XXXX  SC XXXXPlease remove the employment that does not belong to me:XXXX XXXX XXXX XXXX XXXX XXXXEnclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section XXXXB of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actions.\n\nSincerely,\XXXX XXXX XXXX \nEnclosures\nIdentity Theft Report\nCredit report with disputed information indicated\nFTC Notice to Furnishers of Information\nFair 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 explanation
Consumer complaint received 2025-05-04 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX I got done with the three and a half year investigation with the XXXX XXXX XXXX XXXX New York I was one of the abuse victims when I was younger. We got our settlement checks part of them I deposited it in the branch of Citibank. The funds were cleared within XXXX hours had access to my money for XXXX hours I've been locked out now for almost XXXX weeks and nobody can do anything about it nobody can figure it out or give me an answer and I'm literally homeless right now and have nothing because I consolidated all my money into that account and Citibank management nobody has called me back nobody 's told me why this is happened nothing

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 2025-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app continues to deny my dispute after I provided significant documentation that I never received same day services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX had shown that she never provided my same day profile on XX/XX/year>25 and offered a refund that failed twice through XXXX. XXXX advised after that to initiate chargeback with Cash App since that was the card used and they would fully cooperate with Cash app. Despite providing all documentation showing that service was never received and that XXXX failed to provide my refund twice, Cash app continues to deny my dispute stating that the merchant fulfilled requirements which it is clear that she did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
b'I look at my report back on XXXX XXXX XXXX and noticed something are incomplete and not accurate. And according to the Fair Credit Reporting Act it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts (XXXX XXXX XXXX XXXX) are not complete and accurate. \nAnd one more thing according to XXXX  USC XXXX  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. \nI looked at my report back on XX/XX/XXXX and noticed something are incomplete and inaccurate. And according to the Fair Credit Reporting Act it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. These accounts ( XX/XX/2665)XX/XX/XXXX sent a letter asking them to make sure everything is complete and accurate and here is my tracking number  XX/XX/XXXXThey sent me investigation and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. XXXXAnd according to XX/XX/XXXXUSC XXXX. they are suppose to do this (XXXX) Treatment of inaccurate or unverifiable information (a)XXXX general \nIf after any reinvestigation under paragraph (XXXX) of any information disputed by a consumer an item of information from the file of the consumer or modify that item of the information is found to be inaccurate or incomplete or cannot be verified the consumer reporting agency shall- (i) promptly delete that item of information from the file of the consumer 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 consumer. \n\nAnd according to this look law they are suppose to provide me a description of the investigation according to XX/XX/XXXXUSC XXXX;(XXXX) XXXX  Description of reinvestigation procedure a consumer reporting agency shall provide to a consumer a description referred to in paragraph (XXXX) (B) (iii) by not later than XXXX  days after receiving a request from the consumer for that description \n\nBut they did not do that as well either \nAnd according to XX/XX/XXXXUSC  XXXX they are suppose 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.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

XXXX. XXXX  acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IN

Complaint narrative:
ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX Im unaware of this debt and didnt have the opportunity to depute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature.If not please delete your accounts thats on my credit reports XXXX XXXX XXXX or I would have to take legal actions. Account number # XXXX name XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have taken auto loan from Bank of America with original amount of {$68000.00} in the month of XX/XX/XXXX. Most of the loan was paid off by XX/XX/XXXX and the remaining balance was just {$130.00} only, however since my son is on this account I did not wanted to close the auto loan account. To keep the account active, I was paying {$1.00} every month, and it's auto detected from my existing checking account with them. However in XX/XX/XXXX some junior employee or some one without experience modified the account and reported to credit agencies as 30 day Past due, which was not supposed to happened. Some one from bank called me for the first time and demanded I clear the out standing payment of {$130.00} immediately otherwise it will be reported to credit agencies, out of fear I made payment and they closed the account in XX/XX/XXXX. However they reported the account as past due, which brought my score from XXXX to XXXX and it damaged my credit worthiness and when I looked for home mortgage in XXXX, I had to pay poor credit rating interest rate and it caused financial and emotional stree beacuse of what the bank did to me. I have been banking with them for more than XXXX and I was totally speechless and surprised the bank employees did this without giving a warning indication...

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 2025-05-04 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: EdFinancial Services
State: NY

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: PA

Complaint narrative:
Victim of XXXX Data Breach and my personal information was compromised which lead to unauthorized inquiries being place on 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 explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
FRAUDULENT ACTIVITY - We never applied for this card ( Capital One - Bank ) on XX/XX/year>. 
- I have called XXXX  and XXXX XXXX both to assist us to resolve. 
- We called in XXXX and had success to remove but, it came back this month ( XXXX ). 
- I just called XXXX XXXX today Saturday, XX/XX/year>, to ask why this returned and could they help us remove again. 
- We were also asked to file an FTC report and so that is what we are currently doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have requested the removal of inaccurate and outdated personal information from my credit file furnished by Equifax, Transunion and Experian under my rights in the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681b, 15 U.S.C. 1681i, and 15 U.S.C. 1681c. I would like to update and remove the following incorrect information : * 1 Names : Remove any misspellings, aliases, or incorrect variations of my name. 

XXXX Addresses : Delete any old, outdated, or incorrect addresses that are not my current legal residence. 

XXXX Employers : Remove all past employers, as they are not required to be reported on my credit file.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have requested the removal of inaccurate and outdated personal information from my credit file furnished by Equifax, Transunion and Experian under my rights in the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681b, 15 U.S.C. 1681i, and 15 U.S.C. 1681c. I would like to update and remove the following incorrect information : * 1 Names : Remove any misspellings, aliases, or incorrect variations of my name. 

XXXX Addresses : Delete any old, outdated, or incorrect addresses that are not my current legal residence. 

XXXX Employers : Remove all past employers, as they are not required to be reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This dispute and formal complaint is against XXXX XXXX XXXX for ongoing deceptive, retaliatory, and unfair business practices. In XXXX of XXXX, I filed a complaint against XXXX XXXX XXXX for predatory lending practices. Following the complaint, XXXX XXXX ceased sending me monthly billing statements, both electronically and by mail. for a period of at least XXXX months. As a result of not receiving any statements, I did not submit payments for that period. Rather than addressing this internal failure, XXXX repossessed my vehicle, claiming that the account was delinquent. I was then charged {$1400.00} in repossession fees to retrieve the vehicle the very next day. In XXXX of XXXX, I filed a subsequent complaint regarding this unlawful repossession, asserting a violation of the Fair Credit Billing Act ( XXXX U.S.C. XXXX ( b ) ), which mandates the timely transmission of billing statements for open-end credit accounts. XXXX XXXX did not dispute the failure to transmit statements but instead ignored the core issue of their statutory violation. Now, in XXXX and XX/XX/XXXX, XXXX XXXX has once again engaged in retaliatory conduct by falsely reporting my account as Closed to Equifax, while continuing to send billing statement during this period to my home, creating a confusing and contradictory account status in what appears to an effort to discredit my claims and create artificial delinquency. demonstrating a pattern of manipulation that harms consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX XXXX  who XXXX  XXXX  XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief