vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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:
Subject : Request to Block Fraudulent Information Due to Identity Theft Dear [ Collection Agency Name ], I am formally requesting the immediate blocking and removal of fraudulent information from my credit report due to identity theft. Prior to last week, I contacted multiple representatives who informed me that I was unable to access my credit profile. This directly supports my claim of identity theft, as unauthorized accounts have been fraudulently opened in my name. 

Despite multiple requests, my personal information has not been updated as required by law. This failure to act violates my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Requested Corrections to My Credit Report Full Legal Name Please ensure that my full legal name is displayed as XXXX XXXX XXXX only. 
Address Update I request the deletion of all outdated and irrelevant addresses from my credit report. 
The only address that should be listed is : [ Insert Correct Address Here ] I can not receive mail or correspondence at any outdated addresses, and I have no access to them. Therefore, I demand the removal of all other addresses. 
Phone Numbers Please delete all outdated phone numbers currently listed on my report. 
Social Security Number & Date of Birth For privacy reasons, please ensure that my Social Security number and date of birth are not displayed on my credit report. 
Employer Information Please remove all employer information currently listed on my report. 
Data Breach & Failure to Protect My Information I was impacted by a data breach with AT & T, which resulted in my personal information being compromised. As a direct consequence, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, leaving me vulnerable to further fraud. 
Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple federal laws, including : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting. 
Disputed Accounts & Inconsistencies I am formally disputing the following inaccuracies on my credit report, as they contain discrepancies among TransUnion, Experian, and Equifax. These inconsistencies indicate identity theft and/or reporting errors that require immediate investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
XXXX XXXX is showing on my EQUIFAX credit report. This is a business equipment loan in which I signed a personal guarantee. This is a business transaction and I acted as the guarantor, this loan was not taken out on my name, nor did XXXX, XXXX utilize my credit worthiness to grant this loan. This loan was approved based on business financials and business taxes. I am requesting for this information to be removed my EQUIFAX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NC

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$130.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$97.00} XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX  - XXXX - XX/XX/XXXX - {$2800.00} XXXX  - XXXX - XX/XX/XXXX - {$8600.00} XXXX  - XXXX - XX/XX/XXXX - {$230.00} XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$480.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I already answered these questions and had sixty days to upload documents. Case XXXX was closed before the sixty days. Please refer to this case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX  XXXX XXXX Balance Owed : {$0.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1800.00} U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$1100.00}

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 2025-02-15 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:
I am attaching a FTC report containing XXXX  fraudulent accounts as well as XXXX  fraudulent inquiries.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
after reviewing my chexsystems report I noticed I have several Bank accounts inquiries on my report that is stoping me from getting a bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
Heres a sample debt validation letter you can send to the collection agency to request verification of the debt. Be sure to customize it with your details XXXX XXXX XXXX [ XXXX XXXX XXXX ] XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Collection Agency Address ] [ City, State, ZIP Code ] Subject : Request for Debt Validation Account # XXXX Dear Sir/Madam, I am writing to request validation of the debt referenced in my credit report, which is listed under the account number XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request detailed verification of this debt before making any payments. 

Please provide the following information : 1. Validation that I owe this debt, including a copy of the original agreement or contract.

2. The name and contact information of the original creditor.

3. An itemized breakdown of the amount you claim I owe.

4. Proof that you are authorized to collect this debt in my state.

5. Confirmation of when the last payment was made on the account.

If you are unable to provide the requested documentation, I ask that you remove this collection account from my credit report and cease all collection efforts.

Please consider this letter a formal dispute of the debt until proper verification is provided. I request that you respond in writing within 30 days of receiving this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] Make sure to send this letter via certified mail with a return receipt so you have proof of your request. Let me know if youd like any modifications!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
We applied for a loan in XX/XX/year>. We were told that we had too much acreage for the loan so we had to have our property resurveyed and XXXX acreage removed. We deeded that land to another owner. The second week in XXXX we realized that the parcel had not been released from our mortgage. We started conversations with XXXX XXXX in XXXX. I have a recorded phone conversation with her stating it was not handled properly by their team member. She admitted the loan was handled incorrectly. We sent the partial release application on XXXX. I have sent multiple emails asking for updates to the point I just quit sending because I did not get any responses back. On XXXX XXXX called and said it was going to take at least another 45 days for the lender XXXX XXXX to review so basically she was wanting me to stop asking for updates. At one point I sent another email and received a response that XXXX was out of the office and that XXXX was filling in for her. On XXXX my husband called asking for updates and XXXX on the executive team she would have our account reassigned to another team member by Tuesday of the following week. I asked for a new contact number but she said it was going to be reassigned and I would receive the contact information on Tuesday. On Wednesday I had not been contacted so I reached out to the contact left on XXXX 's email just because I didn't know who else to contact. XXXX returned my email with devastating news. She explained that we needed XXXX new appraisals one with all the land and one with the removed parcel. I sent her the name of the appraisal company that they had contacted for the closing of the loan that did XXXX appraisals at our expense. She said those appraisals that were requested in XXXX were no longer valid because they were outdated and need to be less than 120 days old. That means we would have to pay in appraisals more than the land is even worth. Why should we be penalized when the team member handling the closing let this fall through the cracks then XXXX consistently told us wait, and on XXXX she sent an email which is attached below that the information was sent to the investor and we had to wait another 45 days which made the appraisals outdated. We have completed XXXX appraisals one with all the acreage and one with the removed acreage and a survey. I will be willing to provide a complete survey but I am not willing to to have XXXX more appraisals done because of their negligence. The new owners of the XXXX acres have not been able to follow through with their plans for their house because it has not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to propery 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 ( File No. 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.

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 2025-02-15 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against Experian regarding two accounts that are being inaccurately reported on my credit file. I have no knowledge of these accounts, nor was I ever informed about them prior to their appearance on my credit report, as required under federal law. The accounts in question are : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], consumers have the right to dispute and request the immediate removal of fraudulent or unauthorized accounts. Additionally, per FCRA 623 ( a ) ( 7 ) [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ], I should have received written notice at least 30 days before any negative information was reported to my credit file. Since I was never notified of these accounts, Experian has failed to comply with its legal obligations. 

I am formally disputing these accounts and demanding their immediate removal from my credit report. I also request that Experian provide documented proof verifying the legitimacy of these accounts, including any applications or agreements bearing my signature. 

Failure to properly investigate and correct these inaccuracies may result in further legal action under the FCRA. Please respond in writing with the steps being taken to resolve this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
To Whom It May Concern, I am submitting a formal complaint against Experian regarding two accounts that are being inaccurately reported on my credit file. I have no knowledge of these accounts, nor was I ever informed about them prior to their appearance on my credit report, as required under federal law. The accounts in question are : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], consumers have the right to dispute and request the immediate removal of fraudulent or unauthorized accounts. Additionally, per FCRA 623 ( a ) ( 7 ) [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ], I should have received written notice at least 30 days before any negative information was reported to my credit file. Since I was never notified of these accounts, Experian has failed to comply with its legal obligations. 

I am formally disputing these accounts and demanding their immediate removal from my credit report. I also request that Experian provide documented proof verifying the legitimacy of these accounts, including any applications or agreements bearing my signature. 

Failure to properly investigate and correct these inaccuracies may result in further legal action under the FCRA. Please respond in writing with the steps being taken to resolve this matter promptly.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a customer with Citibank since XXXX. 

On XXXX XXXX XXXX, I called the Fraud Department to report a potential email fraud incident. They blocked my online access as a result. This action has effectively deprived me of total visibility to all my banking and linked credit card accounts as well as XXXX my ability to transact with my creditors and debtors. 

I was advised the only way to remove the block is to come into a US branch to verify my identity. This, however, is not feasible as I am presently on business travel as my work demands extensive international travel 330+ days a year.

While I fully understand that the overriding objective of the department is to " protect the customers, '' I do not feel that I am being protected as a customer. Potential fraudsters and I both can't access my accounts in the meantime - I'm now treated the same as potential fraudsters. Even worst, I am fully exposed to credit rating risks for being unable to send payments to my creditors and receive from my debtors.

I can imagine that many customers are feeling the same way in this situation. There has to be a better way to prevent fraud while maintaing a customer 's access to their information in this situation. 

I respectfully request your immediate resolution and response.

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 2025-02-15 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: LA

Complaint narrative:
I am writing to express my dissatisfaction with your debt validation practices. I have noticed several debts and inquiries on my credit report that I do not recognize. I am concerned about how these debts and inquiries were validated and attributed to me. 

I request a thorough investigation into these matters and a detailed explanation of the validation process used. This includes but is not limited to Collections, Hard Inquiries, and Late Payments. Please provide me with all relevant documentation and evidence that supports the validity of these debts and inquiries. 

If these items can not be validated accurately, I demand their immediate removal from my credit report. I expect a prompt response to this matter to ensure my credit report reflects accurate and verifiable information. 

Thank you for your attention to this important matter.

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 2025-02-15 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: LA

Complaint narrative:
I am writing to express my dissatisfaction with your debt validation practices. I have noticed several debts and inquiries on my credit report that I do not recognize. I am concerned about how these debts and inquiries were validated and attributed to me. 

I request a thorough investigation into these matters and a detailed explanation of the validation process used. This includes but is not limited to Collections, Hard Inquiries, and Late Payments. Please provide me with all relevant documentation and evidence that supports the validity of these debts and inquiries. 

If these items can not be validated accurately, I demand their immediate removal from my credit report. I expect a prompt response to this matter to ensure my credit report reflects accurate and verifiable information. 

Thank you for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 2025-02-15 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:
FOUND XXXX INQUIRIES ON MY REPORT THAT I DON'T RECOGNIZE

Company response to consumer: Closed with explanation