vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Experian for its failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Experian has neglected to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved despite the evidence I provided. 

Recently, the CFPB filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. My experience aligns with these concerns, as Experian has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing.

I am requesting immediate corrective action to remove or amend the disputed accounts. Experians failure to act violates federal law and infringes upon my rights as a consumer. I urge the CFPB to investigate this matter and ensure Experian complies with its legal responsibilities. 

SEE ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
am filing a complaint against Cash App ( Block, Kc. ) <1 to equaTo 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 XXXX untair an deceptive, as they liahot '' 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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing in response to your communication regarding a debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a detailed breakdown of any interest, fees, or charges.

3. A copy of the signed agreement or contract that establishes my liability for this debt.

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

5. Any other documentation that verifies the validity of this debt.

6. The chain of title on this debt Until you provide this information, I dispute the validity of this debt and request that you cease all collection efforts. Additionally, I request that you do not report this debt to any credit reporting agencies until the debt has been properly validated.

Please note that if you are unable to provide validation of this debt, I expect you to close, delete, and mark this account as resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
A few years back I called to defer one payment. United wholesale mortgage said they didnt do that. They put me on a different plan where for three months I didnt have a payment and they said they would put the payments on the end of my loan.

A year went by with me trying to make payments and sending in paperwork for them three different times for them to create something the VA would approve. Then when I went to fax in their approved plan by the VA they were hacked and everything was still for a few more months. Then I had to file bankruptcy. My lawyer dismissed my case because they are paid but they say I still owe them over XXXX. When even on my statements there is XXXX in unapplied funds. United wholesale Mortgage does not work with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got an alert today from an unfamiliar creditor thats Ive had no knowledge of Ive been a victim of identity theft. So soon as I noticed it I added it on my ftc 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : DOE XXXX - XXXX XXXX XXXX XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX - XXXX DOE XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX DOE XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX Bankruptcy XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. The fraudulent inquiries I have found : 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. 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 hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have been harassed and they have garnished my checks illegally. Midland credit received a closed account after its statue date when the company wrote this off as a loss. Midland illegally harrased and pursued me illegally. My credit was significantly affected in thier reporting of this account which was closed and charged off as it was beyond its statue by XXXX XXXX who filed bankruptcy during this period. I have been affected mentally and physically by the actions. I attempted to explain this to these debt collectors but they disregard in even taking more then what was owed on the debt through the garnishment from my employer. Can someone please investigate this. Mt personal information was given to a third and fourth party without my consent. Exposing my personal social security and data to unknown entities which I did not agree to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. Founders flu has several accounts with same account number and different amounts that dont belong to me. These inaccurate accounts need to be removed form all XXXX bureaus. There are also a several inquiries that I didnt authorize that also need to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Card Receivables Fund Incorporated
State: NJ

Complaint narrative:
I DO NOT RECALL HAVING A CONTACT AGREEMENT WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I DO NOT RECALL HAVING A CONTACT AGREEMENT WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to dispute an inaccurate entry on my credit report. The item in question is a car loan from Capital One Auto XXXX, listed under account number XXXX. This loan should no longer appear on my credit report, as both my insurance company and gap insurance paid off the loan in full due to the total loss of the vehicle. Additionally, Capital One has incorrectly labeled the car as a repossession after receiving the payment from my insurance company to cover the total loss. This item has only been reported on XXXX and XXXX, and it has already been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
I wrote a dispute letter to Franklin Collection Services regarding a debt they placed on my credit report. They have yet to respond. The credit report states its original creditor is XXXX XXXX. 
1 ) I have never received a collection notice, not by mail, or email. Nor have I spoken to this company, which is a violation Under Section 1692g of the FDCPA 2 ) As of XX/XX/year>, it is against the law to place medical debt on credit reports. The Consumer Financial Protection Bureau published a final rule on XX/XX/year> that prohibits consumer reporting agencies from including medical debt on credit reports. This rule applies to all medical debt, regardless of the amount or payment status. 
This account needs to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Request of deep investigation according to my credit records XXXX XXXX, and XXXX XXXX XXXXXXXX, account are incorrect in amount, type of debt and liability, this account should be remove immediately from my public record since they are affecting my credit development and opportunities of growing. 
I also see some enquiries not made by me and I would like to be review and remove if there is not attach to my person and the enquiries I will mention : XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Business Type : Auto Financing XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Finance Companies - non specific I didn't summit this enquiries and I will need all of them to be removed from my public record, I also have no found record with XXXX XXXX and XXXX XXXX XXXXXXXX XXXX this being said I also need this mark off my records according to the ( FCRA ), also I need a copy of the outcome for this 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
On XXXX XXXX receive a notice for Midland Credit Management indicating that they had assumed they delinquent debt on my credidt card that was issued to me by XXXX XXXXXXXX XXXX for the sum of {$21000.00}. Contacting Midland Credit Management on the day I received this notice, they sent me a list of charges on the card from XXXX to XX/XX/year> that were made at various businesses in the XXXX XXXX  area, They also informed me that the address on this credit card was changed to XXXX XXXX XXXX XXXX MA, XXXX and a new email address, XXXXXXXX XXXX XXXXXXXX had been attached to the account, both of which I am not familiar with. Prior to this notification I had not used this credit card for approximately 3 year and do have the latest issued card in my possesion. Beyond this and upon reviewing my credit report, I noted that my credit score was affected by these fraudulant charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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:
I was a victim of identity theft and data breach and these accounts are fraudulent and need to be removed from my credit report XXXXXXXX XXXX open XXXXXXXX balance {$2800.00} XXXX XXXX opened XXXX balance {$1000.00} XXXX XXXX  opened XXXX balance {$510.00} XXXX XXXX XXXX XXXX balance {$19000.00} XXXX XXXX open XXXX balance {$16000.00} XXXX XXXX open XXXX balance {$25000.00} XXXX XXXX XXXX  open XXXX balance {$140.00} XXXX XXXX XXXX open XXXX balance {$1100.00} And these Inquiries as well 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 non-monetary relief
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
I was a victim of identity theft and data breach and these accounts are fraudulent and need to be removed from my credit report XXXXXXXX XXXX open XXXXXXXX balance {$2800.00} XXXX XXXX opened XXXX balance {$1000.00} XXXX XXXX  opened XXXX balance {$510.00} XXXX XXXX XXXX XXXX balance {$19000.00} XXXX XXXX open XXXX balance {$16000.00} XXXX XXXX open XXXX balance {$25000.00} XXXX XXXX XXXX  open XXXX balance {$140.00} XXXX XXXX XXXX open XXXX balance {$1100.00} And these Inquiries as well 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was reviewing my credit report today and i received a notification from transunion. That an account was placed for collection on my report on XX/XX/XXXX, inmediately i went on to my report to look for the account, and all my accounts are in good standing, but i saw this account on my report with a {$200.00} balance, but doesnt describe a creditor at all. Im a person that always is on top of ky credit and obligations. I dont really recognize the account at all, the creditor either, so im writing to you so you guys help me investigate this matter. Thank you for your help and pront action. 

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Reported old pass information on reports that have not been removed like closed accounts.Also reports of fraudulent student loans, I have never applied for student loans or owe student loans.Also there a fraudulent account on XXXX, using my information.

Company response to consumer: Closed with explanation