vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-06 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: FL

Complaint narrative:
Upon reviewing my Equifax credit report, I identified several fraudulent accounts and unauthorized inquiries that were opened without my consent. These accounts do not belong to me and should not be associated with my credit profile. I have attached my FTC Identity Theft Report ( Case # XXXX ) as supporting documentation. 
Fraudulent Accounts on Equifax : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
o Whom It May Concern, I am writing to formally dispute an inaccurate and fraudulent charge that has appeared on my credit reports with TransUnion, Equifax, and XXXX. Upon reviewing my credit reports dated [ Date of Credit Report ], I noticed that XXXX XXXX has reported a charge of {$500.00} on XX/XX/year>. I did not authorize this transaction, nor have I conducted any business with XXXX Mattress.According to the Fair Credit Reporting Act ( FCRA ), I request that this fraudulent entry be investigated and removed from all three of my credit reports immediately. I have attached copies of my identification, a copy of my credit reports highlighting the disputed entry, and any relevant documentation supporting my claim.I kindly request a written confirmation that this matter is being investigated and that the fraudulent charge will be corrected or removed. Please provide me with a response within 30 days, as required by law.If you require any additional information from me to resolve this matter, please do not hesitate to contact me at the information provided above. Thank you for your prompt attention to this urgent issue. 
Sincerely, 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 2025-03-06 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: Bounce AI, Inc.
State: KS

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX and Bounce AI XXXX regarding their handling of my debt and its reporting to the credit bureaus. The original debt originated through XXXX XXXX, but the reporting on my credit file is incomplete and inaccurate. Specifically : XXXX. Incomplete Credit Reporting : XXXX XXXX is only reporting missed payments but failing to report my full repayment history, which is a violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Disputed Debt Sold : After I disputed these credit reporting inaccuracies, XXXX XXXX sold the debt to Bounce AI XXXX, which has led to multiple accounts appearing on my credit report for the same debt. 
XXXX. Failure to Provide Documentation : I have requested a forward flow agreement and proof of debt, but neither XXXX XXXX nor Bounce AI XXXX have provided these documents. This raises concerns under the Fair Debt Collection Practices Act ( FDCPA ). 
4. Request for Immediate Removal : Under 15 U.S.C. 1692c, I am requesting that this debt be removed from my credit report within 72 hours due to the inaccurate and unfair reporting practices. Additionally, I request that all three credit bureaus ( XXXX, XXXX, and XXXX ) conduct a thorough investigation and remove any duplicate or incorrect debt entries from my credit report. 

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I JUST GOT MY CREDIT REPORT ON XX/XX/XXXX I NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

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 2025-03-06 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WA

Complaint narrative:
I opened a small cleaning business as XXXX XXXX XXXX and XXXX  employee at the start of XX/XX/XXXX and utilized Square for invoices, payments, scheduling, etc. 

I was having small issues such as length of time for customer payments to post to my Square checking, but ultimately just dealt with it... 

On XX/XX/XXXX I received an email stating my account was placed on hold for review and I needed to authenticate my identity by sending my SSN, ID, etc to verify my identity. To which I did successfully, resulting in my account being fully unlocked. 

On XX/XX/XXXX I completed a two day cleaning job totaling {$400.00} being paid through a Square invoice, based on an appointment scheduled with the Square app, with payment being sent to my Square checking account. 
Within the hour of the {$400.00} payment being processed in Square, my account was FULLY and completely suspended and closed without reason or warning. I was, however, notified via email that all my funds that were in the process of being deposited ( {$310.00} in check form, and {$400.00} via debit payment through Square ) to the Square account would be held for 90 days ( until XXXX ) while Square 'reviewed " my closed account. All while being informed via email that fees and other charges from Square would be deducted from any pending deposits. 

While trying to speak with 'Customer Service ' members I was told numerous times that since the account was fully closed, no supervisor or manager would speak with me and no details or other information would be provided in any form due to 'security ' reasons. I spoke with five or six separate employees of Square customer service to which no help or assistance was given, other than 'send refunds for the money paid and have the customers pay another way ' ... 
I then tried calling customer service two more times in an attempt to reach anyone willing to help to which the automated message stated an email detailing why the account was closed had been sent and then the call was disconnected. 
I have NOT received ANY emails ( I've checked the spam folder too ) depicting in detail why the account was fully suspended and how to resolve the issue. 

When I attempted to contact corporate to speak with someone who might actually be willing and able to tell me why the account was closed and how to obtain the money I had been paid, or money currently in the Square checking account all three numbers for Square LLC ( two in CA and one in NY ) had automated messages that redirect you back to 'Customer Support '. 

Ultimately, not a single person within Square 's Customer Service department made an actual effort to assist me in finding out why the account was suddenly closed the day after successfully verifying my identity per Square 's demands, or offered to track down someone who could help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
All information has been disputed several times and has still not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 non-monetary relief
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 non-monetary relief
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent dispute letters to Equifax, XXXX, and XXXX - requesting the verification of several inaccurate accounts reporting in my credit reports. I also sent a request for debt validation to XXXX XXXX XXXX for a collection appearing in my credit reports that I am not aware of. In XXXX, XXXX sent me the dispute results showing that XXXX accounts have been removed from my XXXX report but, as of today ( XX/XX/year> ) Equifax, XXXX, and XXXX XXXX XXXX have not responded. This is a clear violation of the XXXX days these companies have to complete my dispute requests in accordance with the FCRA and the XXXX days that XXXX XXXX XXXX has to complete and respond to my request for debt validation documents per the FDCPA.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XXXX, I sent dispute letters to XXXX, XXXX, and XXXX - requesting the verification of several inaccurate accounts reporting in my credit reports. I also sent a request for debt validation to Jefferson Capital Systems for a collection appearing in my credit reports that I am not aware of. In XXXX, XXXX sent me the dispute results showing that 2 accounts have been removed from my XXXX report but, as of today ( XX/XX/year> ) XXXX, XXXX, and Jefferson Capital Systems have not responded. This is a clear violation of the 30 days these companies have to complete my dispute requests in accordance with the FCRA and the 30 days that Jefferson Capital Systems has to complete and respond to my request for debt validation documents per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
recently discovered that an account was added to my credit report without my authorization. Under 15 U.S.C. 1681b ( FCRA Section 604 ), consumer reporting agencies may only furnish credit information for specific permissible purposes. 

I did not authorize the following account, nor do I find any legally valid permissible purpose that justifies its presence on my credit report : Account Name : XXXX XXXX  Account Number : XXXX I disputed this with TRANSUNION, requesting verification of the permissible purpose under the Fair Credit Reporting Act ( FCRA ). However, I have not received proper validation, and the account remains on my report. 

This unauthorized reporting violates 15 U.S.C. 1681b, which restricts credit reporting to specific legal circumstances. If no valid permissible purpose exists, the account must be immediately removed to comply with federal law.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX, Tx XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX , Tx XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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 2025-03-06 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: CT

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected immediately.

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 2025-03-06 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: CA

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
Bankruptcy XXXX XXXX reference 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