vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
Experian contacted me since I have their credit monitoring service to notify me XXXX XXXX XXXX placed a debt on my credit report ( account number XXXX ). I have seen different amounts each time the credit report is updated ( {$1100.00} ) XXXX XXXX, XXXX -Reported debt of {$1100.00} wasnt mine via website and was instructed to call. Called and reported debt not mine to Experian customer service agent. 

XXXX XXXX, XXXX Experian responded via email and eventually mailed a letter regarding dispute. Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). And provided no additional information proving how the debt was verified as mine. 

XXXXsent letter that debt isnt mine and to verify again ( 15 USC 1681i ( a ). A failure to conduct a reasonable reinvestigation violates the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX, 115 F .3d 220, 223-224 ( 3d Cir. 1997 ) ) XXXX XXXX, XXXX Experian Responded via email with the same message lacking any type of details Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). And provided no additional information proving how the debt was verified as mine. 

XXXX XXXX, XXXX - Requested Experian provide specific details about how the original creditor verified the account per FCRA Under the Fair Credit Reporting Act ( FCRA ), I have the right to receive this information, including : The date and method used to contact the original creditor regarding the dispute. 
The specific details of the information provided by the creditor to verify the account. 
The name of the individual at the creditor 's company who confirmed the account details XX/XX/XXXX, XXXX Experian responded with the same message and ignored my request. Experian also failed to delete the item from my credit since per the Fair Credit Reporting Act if they can't prove it, remove it. 


XX/XX/XXXX, XXXX I sent Experian a second letter notifying them per FCRA 611 ( a ) ( 7 ) Experian that you are not in compliance with my request for your Method of Verification ( MOV ) for the above referenced account number and " creditor '' listed on my credit report per the Fair Credit Report Act. This is now my XXXX attempt at obtaining your MOV for this account. If Experian is unable or unwilling to provide the verification information, then this account MUST be removed from my credit file. 


XX/XX/XXXX, XXXX Experian responded with the same message and ignored my request per the Fair Credit Reporting Act FCRA 611 ( a ) ( 7 ). Experian also refused to delete the item from my credit report since they're unwilling or unable to provide the verification information.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my paid secured credit card is reporting information incorrectly, I contacted the credit card issuer immediately to dispute the error and provide documentation supporting your claim ; I also file a dispute with the credit reporting agencies where the inaccurate information is appearing, including details about the error and any relevant proof. 

This company XXXXXXXX XXXX is reporting wrongly on this account on the account where was opened on XX/XX/year> for a secured credit card for {$400.00} limit where I did deposit the funds and this company blow all my money and closed the account and they unilaterally decide to report that this account is late so many times where I am attaching the report where you can look how a cash in advance secured credit card is going to be late since the didn't extended to me credit since I deposited a collateral in cash for XXXX XXXX of the limit This Creditor is not allowing me to obtain any credit do to this mark in my credit and they used this excuse with my own money Please ask the to remove from my file this card

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i recently disputed again with the cra 's for inaccurate reporting of my personal information as well as inaccurate accounts on my credit report not re-investigated, which is a violation of 15 usc 1681i ; 15 usc 1681b ; 15 usc 6802b. i have attached documents below and i request deletion ASAP.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I am writing to formally report a case of identity fraud that has severely impacted my financial accounts and credit standing. I request your assistance in resolving this matter and ensuring that the responsible companies address the issues appropriately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I noticed a company called XXXX XXXX XXXX XXXX XXXX had placed a fraudulent account on my credit report in the amount of {$4300.00}, account # XXXX. I immediately disputed this account with the original creditor XXXX XXXX as well as with XXXX XXXX XXXX XXXX XXXX. When I applied for an apartment I was denied due to my background check and never received a lease. However this company fraudulently placed this account on my credit file and refuse to remove this account. The credit bureaus also refuse to remove this fraudulent information from my credit report which is a direct violation of the law under the FCRA. This fraudulent information is causing irreparable damage to my credit file and my ability to obtain credit in the future. Im asking that this account be blocked from my credit file in accordance with FCRA 605B ( 15U.S.C. 1681c-2 ). Failure to do so will leave me with no other choice than to report your agency to the state attorney general and seek civil penalties for not being in compliance with the law. Ive attached a copy of my identity theft report as well as the e-mail received denying me a lease agreement.

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 2025-01-13 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: WA

Complaint narrative:
Ive submitted documents showing the account status is closed, to take the comments of pending litigation off the consumer statement section and the balance is {$0.00}. They have not updated my credit with it showing paid and closed, nor deleted the consumer statement. I uploaded XXXX documents from DSHS WA showing the account closure and the release of lien along with the updated balance history showing {$0.00} and litigation is complete.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  RE : Correction to my personal information Dear Equifax , I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax hack and refuse to take off the bad reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquiries reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number XXXXXXXX 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 to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this 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 non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 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 XXXX Acct # XXXX opened XX/XX/XXXX with balance of {$410000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$8900.00} 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 OPENED XX/XX/XXXX WITH A BALANCE OF {$0.00} The hard inquires that are on my credit that should also be removed and block are 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 XXXXXX/XX/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 XXXX 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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NE

Complaint narrative:
I purchased a party for my son on XX/XX/XXXX. I was overcharged by the merchant and was refunded {$130.00}. Cashapp posted the amount of {$180.00} to my account. I was told it would take up to 10 business days ( 14 calendar days ) to get my refund back. The merchant said the money is instantly refunded back to the card when I went back to the merchant on XX/XX/XXXX and spoke with the XXXX XXXX who refunded me my overpayment. I provided cash app the receipt of the overpayment on XX/XX/XXXX. The representative informed me to file a dispute and on XX/XX/XXXX I was denied even though I provided the information for cash app to refund me my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
i recently disputed again with the cra 's for inaccurate reporting of my personal information as well as inaccurate accounts on my credit report not re-investigated, which is a violation of 15 usc 1681i ; 15 usc 1681b ; 15 usc 6802b. i have attached documents below and i request deletion ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i recently disputed again with the cra 's for inaccurate reporting of my personal information as well as inaccurate accounts on my credit report not re-investigated, which is a violation of 15 usc 1681i ; 15 usc 1681b ; 15 usc 6802b. i have attached documents below and i request deletion ASAP.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewe a copy of my credit report and notice i had fraudulent account on my report, Please remove these account from my report, theye are hurting my ability to obtain credit.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, Pa XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Blocking and Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Equifax, I am writing to formally dispute and request the removal of inaccurate and potentially fraudulent accounts from my consumer report under my rights outlined in 15 U.S.C. 1681c-2 ( c ) ( a ). Upon reviewing my credit report, I identified the following accounts, which I did not authorize and must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Paid, Closed 2. XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Closed, {$1400.00} XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$200.00} Written Off, {$120.00} Past Due XXXX. XXXXXXXX XXXX  XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$980.00} Written Off, {$980.00} Past Due XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$440.00} Written Off, {$440.00} Past Due XXXX. XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Paid in Settlement, {$6200.00} Written Off 7. XXXX XXXXXXXX XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Paid, Closed XXXX. XXXX XXXX XXXX  Account XXXX : XXXX. 
Date Opened : XX/XX/XXXX Status : Charged Off, {$220.00} Written Off, {$220.00} Past Due XXXX. XXXX Account Number : XXXX. 
Date Opened : XX/XX/XXXX Status : Closed, {$650.00} XXXX XXXX XXXX. XXXX Account XXXX : XXXX. 
Date Opened : XX/XX/XXXX Status : Closed, {$690.00} Written Off Under the provisions of 15 U.S.C. 1681c-2, I request that Equifax immediately block and remove these accounts from my credit report. If these accounts can not be verified as accurate and authorized, they must be removed as required by federal law. 

To facilitate your investigation, I have included the following documents : 1. A copy of my government-issued ID for verification.

2. A completed FTC Identity Theft Report.

Please acknowledge receipt of this dispute and provide written confirmation once these accounts have been blocked or removed. I request your prompt attention to this matter and look forward to your response within the legally required timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
late payments are incorrect on my report this car is at a XXXX balance inaccurate reporting and thats against the law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation