vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : 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 an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 2025-02-20 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: MI

Complaint narrative:
I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within 15 days. Attached are supporting documents for your review.

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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX  randomly suspended my account with no reasoning and said I was not allowed on the platform with funds still in my account, I went back and forth with support and they were not helpful and unwilling to provide a solution. They would not tell me any details as to why and would not unlock my account so I could get my money. Eventually, they unlocked it and then the next day it was suspended again. There was no transactions during the overnight period and I emailed them back and they closed out my chat with no response or reason. I have been a customer for years and it is extremely frustrating. They told me to make a business account and it already was made and then they suspended both of the accounts. Hoping to get a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
My credit report contains late payment records that I strongly believe are incorrect and potentially linked to a data breach. These disputed items are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$62000.00} XXXX XXXX XXXX - XXXX - {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} These records do not reflect my actual payment history. I have submitted documentation proving their inaccuracy, yet no corrections have been made. This has negatively affected my credit standing, and the continued delay in resolving this is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) mandates that all credit information must be accurate. Any incorrect, outdated, or unverifiable records should be updated or removed immediately. I expect swift action to fix these errors.

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 2025-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of RMP XXXX for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of how this debt made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
I was a victim of fruad and identity theft. I contacted companies and credit bureau to have the information removed but was unable to do so

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 2025-02-20 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute [ describe the specific issue, e.g., inaccuracies in my credit report, a violation of my rights under the Fair Credit Reporting Act, etc. ]. My relevant details are as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : xxx - xx - XXXX Account Number ( if applicable ) : [ Account Number or Reference ] Experian- Filed several disputes, Transunion - Filed several disputes, Equifax - Filed several disputes. I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resole this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I request that the CFPB investigate this matter and provide assistance in resolving this issue. Additionally, I would appreciate any guidance on how to proceed further if my dispute is not resolved satisfactorily. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute [ describe the specific issue, e.g., inaccuracies in my credit report, a violation of my rights under the Fair Credit Reporting Act, etc. ]. My relevant details are as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX 
Date of Birth : XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : xxx - xx - XXXX Account Number ( if applicable ) : [ Account Number or Reference ] Experian- Filed several disputes, Transunion - Filed several disputes, Equifax - Filed several disputes. I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resole this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 
I request that the CFPB investigate this matter and provide assistance in resolving this issue. Additionally, I would appreciate any guidance on how to proceed further if my dispute is not resolved satisfactorily. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely 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 2025-02-20 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: IL

Complaint narrative:
XXXX XXXXXXXX revolving account with account # XXXX opened on XX/XX/year> balance {$340.00}. XXXX XXXX XXXX account opened XX/XX/year> balance {$1300.00} I am a victim of identity theft and I never opened this account. This is a violation of the FCRA and is also a violation of requisite Metro 2 Compliance Reporting Standards.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Under reviewing my Consumer Reports, I discover some instances of late payments on my account for which i have always maintained timely payment. I just recently looked at my credit report and noticed that some accounts have late payments during Covid-19. However i talked to these creditors below and i should not have any missed payments. Account Name : XXXX XXXX Account Number : XXXX These issues align with the violations detailed in the CFPBs lawsuit against Equifax, including inadequate investigations and improper reinsertion of inaccurate information. These errors have caused significant harm to my financial well-being. Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 60 days late from credit report due to violation of 15 USC 1681s-2 ( F ) Reinvestigate and update payment on XX/XX/XXXX to on time. Delete 30 days late from credit report due to violation of 15 USC 1681s-2 ( F ) ..1. Failure to Conduct Proper Investigations : Equifax failed to perform meaningful investigations as required by the FCRA, instead relying on uncritical acceptance of furnishers responses. I demand the immediate removal of these late payments of my account and request : 1. A full investigation report for each disputed account, including verification methods and furnisher contact information. 2. Written confirmation of permanent removal of these late payments accounts. 3. An updated credit report reflecting these corrections. Failure to address this promptly will compel me to file complaints with the CFPB, FTC, and state attorney general. Please respond in writing within 30 days, as required by the FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello, It came to my attention via many calls and creditors that I had balances on many accounts. The more I researched i found out in XX/XX/year> that my personal information, my Social Security Number was involved in the XXXX data breach. I did the search with my personal information and the site confirmed that my information was involved in the breach and that my identity information was stolen. I've had many issues including people using my information to get housing in locations i've never been too in my entire life. Also, the debt balance i'm hurting from. I had great credit for 15 years and now I'm Struggling to make it. 
Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details. 
XXXX XXXX XXXX Credit Report Date : XX/XX/year> XX/XX/year> XX/XX/year> Also Known As : - - - Former : - - - - Data Breach Accounts Yellow Data Breach Accounts XXXX. XXXX. XXXX XXXX ) : AMEX. Account # : XXXX XXXX XXXX XXXX ) : AMEX. 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 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 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 ) : AMEX. 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 Inaccurate Accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
on XX/XX/year>, I tried opening an account at BMO bank and was told by bank official at that location that the fraud department was investigating my addresses. However after checking, XXXX had my old information that was expired under the banking statue of limitation. Nevertheless, I went in an informed that branch at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. Furthermore, the account is still frozen and they still is holding my {$XXXX} on expired information according to the state of Arizona banking statutes of limitations. Consequently, I no longer want to open an account at this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/year>. XXXX XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from 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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MN

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-20 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: OH

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I have identified accounts that I believe contain errors. I request an immediate investigation and correction of the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX & XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$280.00} Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of consumer reports. If these accounts can not be verified as accurate, I respectfully request their removal from my credit report. 
Additionally, due to the Experian Data Breach, I am concerned about potential fraudulent activity affecting my credit profile. Given this breach, any unverifiable or incorrect accounts must be removed from my report as mandated by federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), providing misleading or inaccurate debt information violates consumer protection laws. The presence of unverifiable items on my credit report constitutes deceptive and unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts.

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 2025-02-20 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts.

Company response to consumer: Closed with non-monetary relief