vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX
XXXX NY XXXX XXXX
To whom it may concern,
I am reminding you once again that you must remove any claims listed above or below that have not met the
minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts
of each allegation and adhere to the necessary reporting practices mandated by the XXXX  Metro 2
Compliance standards, then I contest the reportability of any such claim. The XXXX XXXX  stipulates that
"ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA." Therefore,
it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand
that you remove any such claim immediately from reporting as I have requested.
Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance: XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Last Active XXXX XXXX XXXX Account Type XXXX XXXX XXXX XXXX Balance XXXX XXXX Date of Last Payment XXXX XXXX XXXX Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status XXXX XXXXChargeoff No. of Months (terms) XXXX XXXX XXXX XXXX Charged off account , Transferred to recovery ,
This account needs to be validated. - Remove on my report immediately!
I express my deep disappointment regarding your failure to provide documented evidence of compliance with
reporting standards and relevant consumer laws. This deficiency is of utmost significance. I kindly request
that you promptly remove this flawed and inaccurate report, as failure to do so will leave us with no choice but
to initiate legal proceedings against your company for its non-compliance with specific legal requirements in
these matters. It is imperative that we are aware of the nature of the information presented in documentaries
to avoid being unprepared when confronted with adverse situations that could have been prevented had there
been proper attention paid to accuracy instead of mere convenience.
Please be advised that I have no intention of renewing the expired statute of limitations, and therefore I kindly
request that you cease all further contact with me. I anticipate that this will be our final communication on this
matter.
SincerelyXXXX 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 non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This letter serves as a formal notice that you are to immediately cease and desist from harassment, infringement, and contract violation, These actions are unlawful and are causing harm to myself. 

This debt doesnt belong to me and my social has been found in a data breach Your actions constitute a violation of laws, and if this conduct continues, I will have no choice but to pursue all available legal remedies, including but not limited to seeking monetary damages, injunctive relief, and attorneys fees. 

To avoid legal action, you must : 1. Immediately stop sending letters 2. Provide written confirmation that you will comply with this demand within 10 days from the date of this letter.

Failure to comply will result in legal proceedings without further notice. This letter serves as formal notice of my intent to protect my rights.

I strongly urge you to take this matter seriously. If you have any questions, you may contact me at the information listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Equifax credit report : XXXX XXXX Inquiry date XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unable to get credit report. Company stated this would be resolved and I now have not been able to obtain my report for over 2 months.

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 2025-02-13 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 proce 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 2025-02-12 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies regarding my personal information. To help facilitate the correction process, I have attached documentation providing proof of my current address, as indicated on your website. 

The only correct address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following incorrect address from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I noticed that my name appears with multiple incorrect spellings. My name should appear only as : XXXX XXXX XXXX XXXX Here are the incorrect name variations I request to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of any inaccurate employer information. The only employer that should be listed is : Senior Life Insurance These inaccuracies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other related regulations. Specifically, the following laws apply : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

It is essential that my credit report reflects accurate information. Failure to correct these errors may result in further action to protect my rights.

Once the corrections have been made, please send me a copy of my updated credit report.

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-12 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: AZ

Complaint narrative:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

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 2025-02-12 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: CA

Complaint narrative:
I recently discovered an inquiries on my credit report that I do not recognize, nor did I authorize or apply for any credit with these companies. This unexpected and unauthorized access to my personal information is deeply concerning and has been causing me significant stress and anxiety. I have no association with these entities, and I have never given consent for them to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AL

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 falling to forward consumer- provided evidence to furnishes, 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.

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 2025-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Ive called west lake Financial after they CONSTANTLY harass me about a car that I took BACK to them ( AUTO HAUS ) the place where the car was gotten from & for my Money Back for the car IT had problems they didnt want to fix anything on the car nor trade it out. I constantly gave phone calls went to visit the car shop they was very rude to me & other customers..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MI

Complaint narrative:
I, XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Equifax credit report : XXXX XXXX Inquiry date XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MO

Complaint narrative:
there must be a mix I dont own these accts I have been disputing them for a while now can you please remove

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 2025-02-12 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: FL

Complaint narrative:
i do not recognize this address please remove from my credit reports, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-12 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: FL

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why its there. I routinely check my credit report, but this time, I found unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the inquiry remained. This is extremely frustrating, and I need this issue to be resolved immediately. Please review the documents Ive provided thoroughly so I can finally have peace of mind.

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 2025-02-13 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXX XXXX against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
these are the accounts that I marked inaccurate - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I noticed an inquiries that I did not authorize. The inquiries, listed, appears to be fraudulent and I have no knowledge of any transaction or relationship with this company. I believe this to be a case of identity theft Inquiries are XXXX XXXX reported date XX/XX/year> XXXX XXXX  reported date XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I was a victim of identity theft. I checked my credit bureaus and had incorrect personal addresses, unauthorized credit inquiries, and unauthorized credit cards open in my name, which I didn't do. I sent letters from TransUnion, Equifax, and TransUnion. The first letter was sent on XX/XX/year>, and the XXXX  letter on XX/XX/XXXX, and I haven't heard of any response from them regarding a credit freeze, fraud alert, and a copy of my credit report. The unauthorized credit cards in my name are XXXX, XXXX XXXX, and XXXX. The unauthorized credit inquiries are from Celtic, XXXX XXXX, XXXX, and XXXX XXXX. I have sent them the FTC report, police report, and FBI report and made a report with the Missouri Attorney General. I also had a XXXX XXXX with XXXX  XXXX, XXXX, and XXXX. I also was a victim of buying prepaid XXXX XXXX  XXXX, and the scammer had XXXX fraud checks of {$5100.00} at XXXX  XXXX XXXX and the other of {$15000.00} at XXXX XXXX XXXX. I am outraged as I have sent all the credit card companies individually XXXX, XXXX XXXX, and XXXX, and I haven't heard from them either. I also sent them XXXX letters on XX/XX/XXXX and XX/XX/year>. The scammer also put my old XXXX ID email with his new cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: MO

Complaint narrative:
I was a victim of identity theft. I checked my credit bureaus and had incorrect personal addresses, unauthorized credit inquiries, and unauthorized credit cards open in my name, which I didn't do. I sent letters from TransUnion, Equifax, and TransUnion. The first letter was sent on XX/XX/year>, and the XXXX  letter on XX/XX/XXXX, and I haven't heard of any response from them regarding a credit freeze, fraud alert, and a copy of my credit report. The unauthorized credit cards in my name are XXXX, XXXX XXXX, and XXXX. The unauthorized credit inquiries are from Celtic, XXXX XXXX, XXXX, and XXXX XXXX. I have sent them the FTC report, police report, and FBI report and made a report with the Missouri Attorney General. I also had a XXXX XXXX with XXXX  XXXX, XXXX, and XXXX. I also was a victim of buying prepaid XXXX XXXX  XXXX, and the scammer had XXXX fraud checks of {$5100.00} at XXXX  XXXX XXXX and the other of {$15000.00} at XXXX XXXX XXXX. I am outraged as I have sent all the credit card companies individually XXXX, XXXX XXXX, and XXXX, and I haven't heard from them either. I also sent them XXXX letters on XX/XX/XXXX and XX/XX/year>. The scammer also put my old XXXX ID email with his new cell phone.

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