vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPD DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
I am filing this complaint because there is an account ( XXXX XXXX Account # XXXX ) being reported on my credit file without my permission or written consent, which is a direct violation of my rights under the FCRA. Experian is responsible for this inaccurate reporting failing to comply with federal law, negatively affecting my creditworthiness, and causing me financial and emotional distress. Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I never authorized or provided written consent for this account to be reported, meaning it is appearing on my credit file unlawfully. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of this unauthorized account is a direct violation of this provision. I have already disputed this account with all three major credit bureaus XXXX, Experian, and XXXX. While XXXX and XXXX have deleted the account from my report, Experian continues to report it despite my disputes and the fact that the other bureaus have already removed it. Experian 's clear failure to conduct a proper reinvestigation, as required under 15 U.S.C. 1681i ( a ). The inconsistency between the bureaus further demonstrates that Experian is failing to ensure the accuracy and fairness of my credit report, which is a violation of my rights. This ongoing inaccurate reporting is causing me unnecessary hardship, including potential denial of credit opportunities and financial stress. Despite multiple attempts to resolve this issue directly with Experian, they continue to report the account without justification, failing their duty to provide a fair and accurate consumer credit file.

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a monthly gym membership purchase on my Chase Freedom credit card on XX/XX/year> for {$XXXX} because Chase advertised XXXX  % cash back for gym membership purchases, but Chase only credited me with XXXX  % back. I reached out to their customer support over XXXX XXXX but they refused to do anything. They even claim Membership Clubs ( Sports, Recreation, Athletic ) [ ] isn't in the eligible rewards category of " XXXX XXXX and XXXX memberships. Thats completely nonsensical! Their redacted reply is below : Thank you for contacting Chase. We value your time and take this opportunity to assist you with your inquiry about rewards on your account ending in [ XXXX ]. XXXX XXXX XXXX XXXX, XXXX  is categorized as a " Membership Clubs ( Sports, Recreation, Athletic ), Country Clubs and Private Golf Courses '' with XXXX and XXXX. This is why the bonus points you were expecting to earn did not apply. [ REDACTED NAME ], we're unable to make any rewards adjustments to your account because this merchant isn't in the eligible rewards category of " XXXX XXXX and XXXX memberships.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am requesting the temporary removal of the security freeze on my credit report to facilitate the processing of my loan application. The lender requires access to my credit history and financial standing to assess my eligibility and determine the terms of the loan. Please lift the freeze as soon as possible to prevent any delays in the application process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: NE

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Credit Bureau. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. XXXXi ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested to view my FICO score through Experian on XX/XX/XXXX, and I believe I received it for {$1.00}. Then, today on XX/XX/XXXX, I got charged {$26.00} without my consent for Experian XXXX XXXX which did not even sign up for. I called the customer service today to ask them to cancel and refund me, but the customer representative said he has to redirect me to the membership team, and I got redirected to the automated service which did not understand my request. I tried reaching out to them again today XX/XX/XXXX and nobody picked up anymore.

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 2025-03-04 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: IL

Complaint narrative:
Please ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not initiate or authorize them and have no knowledge of their origin. In line with USC 1681g, I formally request their removal within the next 15 days. Attached are the necessary documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IN

Complaint narrative:
I closed my cash app account in XXXX XXXX  2024 after I closed it I accidentally had a refund sent to the card associated with said cash app account since XXXX Ive contacted cash app atleast XXXX different times trying to figure out ways to get my money their specialists team took XXXX months to email me saying they cant do anything to reopen my account since I violated XXXX ( before I chose to close my cash app account willingly I had XXXX violations or strikes ) and essentially the money is stuck since then Ive been trying to message cash app support trying to regain access but since my ssn linked to my cash app account is now considered disabled they wont take it as verification ( even though its the same XXXX SSN on the cash app account ) so I try to ask them how do I work around this and gain access to my fund they act like they cant answer the simple question of what steps do I have to take to access the account and get my funds out this is over {$700.00} in funds and its ridiculous its taken them so long with nothing to show for it Ive given them any piece of information to verify its me as well the team at cash app is just lazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

Complaint narrative:
I have noticed several accounts on my credit report that do not belong to me, and I have no knowledge or affiliation with them. This is not only unjust but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, I am entitled to a credit report that is accurate and free from any erroneous information. These inaccuracies are having a negative impact on my financial standing, and I demand that they be rectified immediately. I expect a thorough investigation and correction of these errors. If this issue is not resolved promptly, I will pursue legal action to protect my rights.

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 2025-03-04 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: NC

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong to me.

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 2025-03-04 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: NJ

Complaint narrative:
I am filing this complaint because there is an account ( XXXX XXXX Account XXXX XXXXXXXX ) being reported on my credit file without my permission or written consent, which is a direct violation of my rights under the FCRA. Equifax is responsible for this inaccurate reporting failing to comply with federal law, negatively affecting my creditworthiness, and causing me financial and emotional distress. Under 15 U.S.C. XXXXb ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. I never authorized or provided written consent for this account to be reported, meaning it is appearing on my credit file unlawfully. Additionally, under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), furnishers are required to provide only accurate and complete information to credit reporting agencies. The continued reporting of this unauthorized account is a direct violation of this provision. I have already disputed this account with all three major credit bureaus Equifax, XXXX, and XXXX. While XXXX and XXXX have deleted the account from my report, Equifax continues to report it despite my disputes and the fact that the other bureaus have already removed it. Equifax 's clear failure to conduct a proper reinvestigation, as required under 15 U.S.C. XXXXi ( a ). The inconsistency between the bureaus further demonstrates that Equifax is failing to ensure the accuracy and fairness of my credit report, which is a violation of my rights. This ongoing inaccurate reporting is causing me unnecessary hardship, including potential denial of credit opportunities and financial stress. Despite multiple attempts to resolve this issue directly with Equifax, they continue to report the account without justification, failing their duty to provide a fair and accurate consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I, the consumer has attempted severally to have fraudulent accounts removed and blocked but thy have not complied despite the FCRA which is federal law. I have provided a police report, FTC/identity theft report and identification multiple times. My actual physical identification was stolen and has been used by perpetrators across the US. Fraudulent accounts include : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. 
XXXX is NOT my phone number but has been attached to my reports through a fraudster. My phone number remains XXXX. 
As these issues have hindered me from obtaining bank accounts, property and more using my credit, I'll have no choice than to pursue a law suit against the credit bureaus Trans Union and XXXX if they continue to refuse compliance. XXXX has complied completely thus will not be included in the suit. Attorney XXXX XXXX will be assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer ADJ Co has a charged off debit on all my credit reports for {$23000.00}. I am disputing this debt according to 15 USC 1681. I have never had an account with this creditor and I have not given permission for this information to be furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-04 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing an inquiry fraudulent from my Transunion Credit Report. XXXX XXXXXXXX XX/XX/year>. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief