vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: MN

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 U.S.C. 1681 - U.S. Code - Unannotated Title 15 and Commerce and Trade 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX, # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX ; XXXX XXXX XXXX # XXXX XXXX Account Name : XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX  Name XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

U.S. Code 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

U.S. Code 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information other than records of convictions of crimes which preceeds the report by more than 7 years.

U.S. Code 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonale cause to believe that the information is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: NV

Complaint narrative:
Ive been working with XXXX XXXX for several years as my XXXX XXXX. I always provide him with neatly organized documents in folders for him. I communicate with XXXX via email. I decided to end my relationship with XXXX since my messages were not reflected in the tax preparation docs. To give you an idea : my address was incorrect on the paperwork. The health insurance I had and provided to him was not correct. My tax payments ( that I provided with receipts ) was not recognized. It was simply a copy of my filings from the last year. What he ws trying to provide was unusable and a waste of my time. No proper or coherent work was ever rendered ( I have an email thread where I asked him to stop immediately ). I have ceased working with him. He attempted to invoice me. I never used him after that. 

I have attempted to call XXXX directly multiple times ( no answer ). I have also attempted to call and email the collection agency ( KINUM INC - XXXX ) to dispute the collection file since its fraud. I've reached out to them XXXX times already. They have never emailed me back. Below are their details. Attached is my email thread. They are receiving my emails, and have opened them ( I track all my emails ). I am attaching the certificated showing that they have been openned. 


XXXX XXXX XXXX Chief Operating Officer at Kinum , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Kinum , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XX/XX/year> Dear cfpb Subject : Dispute of Inaccurate Information Request for Compliance with FCRA Dear Sir/Madam, I am writing to formally dispute the inaccurate information that appears on my credit report provided by your agency. Upon reviewing my credit report, I have identified the following item ( s ) that I believe to be incorrect : [ List the inaccurate item ( s ) on your report and the reason you dispute them. ] Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( o ), which addresses civil liability for negligent noncompliance, I am requesting that you conduct a reasonable investigation of these items. Your failure to properly investigate or rectify the information could result in legal action based on negligent noncompliance with the FCRA. 

As stipulated in the FCRA, you are required to complete an investigation within 30 days and provide a response to this dispute. I expect this issue to be corrected or clarified promptly to avoid any further escalation of this matter. 

If you find the information to be accurate, I kindly request that you provide documentation supporting the validity of the data reported. If the information is incorrect, I ask that it be removed or corrected accordingly. 

Please provide me with an updated copy of my credit report after completing the investigation and any adjustments made. 

Thank you for your prompt attention to this matter. If you need any additional information from me to process this dispute, please let me know. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collection reporting company and Equifax, Expirian and TransUnion, had not correct, nor removed Debts, reported with false information, on closed accounts, paid balance and or without any permission to be reported and without signatures. Agencies, not willing to help, even after recieving immediate copies of Identifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX Account Number : XXXX Has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency Can not furnish a ( an ) account without my written instructions.

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 2025-02-26 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX XXXX Account Number : XXXX Has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency Can not furnish a ( an ) account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: MO

Complaint narrative:
To whom it may concern Hello and I hope this find you well. This is a notice that a XXXX XXXX  on my credit report needs to be removed because as of XX/XX/year> a law was passed that Medical debt could not longer be reported on a consumer report. The account is listed under the name of Unknown with XXXX and XXXX or XXXX with XXXX. It has been deleted with XXXX as per the XXXX XXXX ruling. 
The medical loan was necessary after a XXXX diagnosis and a personal forced debt bondage situation that will be addressed later. If you wish to receive medical records as proof, please contact me on my home phone XXXX 
Thank you kindly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 2025-02-26 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: AZ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC
State: MD

Complaint narrative:
Global Lending- my car was totaledXX/XX/2024. You agreed and received money from XXXX insurance, you received my warranty money, you received the balanced which was owed you by my Gap insurance XXXX. I want this Repo removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I recently pulled my credit report and found some inaccurate accounts that were reported. I have made a list of the inaccurate accounts that I would like removed. I am in the process of buying my first home for my family. Please review all of the documents and remove the listed 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 explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information Please find below my updated accurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CORELOGIC INC
State: MO

Complaint narrative:
To whom it may concern Hello and I hope this find you well. This is a notice that a medical loan on my credit report needs to be removed because as of XX/XX/year> a law was passed that Medical debt could not longer be reported on a consumer report. The account is listed under the name of Unknown with XXXX and XXXX or XXXX with XXXX. It has been deleted with XXXX as per the XXXX XXXX ruling. 
The medical loan was necessary after a XXXX diagnosis and a personal forced debt bondage situation that will be addressed later. If you wish to receive medical records as proof, please contact me on my home phone XXXX 
Thank you kindly 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MicroBilt / PRBC (formerly CL Verify)
State: MO

Complaint narrative:
To whom it may concern Hello and I hope this find you well. This is a notice that a medical loan on my credit report needs to be removed because as of XX/XX/year> a law was passed that Medical debt could not longer be reported on a consumer report. The account is listed under the name of Unknown with XXXX and XXXX or XXXX with XXXX. It has been deleted with XXXX as per the XXXX XXXX ruling. 
The medical loan was necessary after a XXXX XXXX  and a personal forced debt bondage situation that will be addressed later. If you wish to receive medical records as proof, please contact me on my home phone XXXX 
Thank you kindly 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 2025-02-26 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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:
Please see supporting documentation pertaining to the Equifax Data Breach.

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