vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: UT

Complaint narrative:
I am sending to formally dispute the inaccurate or misleading information on my credit report. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Auto Financing Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XX/XX/XXXX XXXX XXXX XXXXXXXX Banks - non specific XX/XX/XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Banks - non specific XX/XX/XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX  Mortgage Reporters XX/XX/XXXX XXXXXXXX XXXX  XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX XXXX  XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX XXXX  XXXX XXXXXXXX Mortgage XXXX XX/XX/XXXX XXXX All Banks XX/XX/XXXX XXXX  XXXX XXXX  XXXX All Banks XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX  XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX XXXX  XXXX  Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX Finance, personal XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX Contractors XX/XX/XXXX XXXX XXXX  Finance other than personal XX/XX/XXXX XXXX XXXX, personal XX/XX/XXXX XXXX  XXXX Miscellaneous and public record XX/XX/XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX Banks and XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  Banks and XXXX XXXX XXXXXXXX XX/XX/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 2025-02-16 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: CA

Complaint narrative:
I did not authorize this inquiries : XXXX XXXX from XX/XX/year>

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 2025-02-17 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian Consumer Dispute Resolution Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Sham Investigations and Reinserted Inaccurate Information Dear Sir/Madam, I am writing to formally dispute the handling of my credit report by Experian, following the recent allegations filed by the Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX According to the CFPB 's lawsuit, Experian has been involved in conducting " sham investigations '' when consumers disputed errors on their credit reports, which contradicts the reasonable investigation standards outlined by the Fair Credit Reporting Act ( FCRA ). 

I am deeply concerned that my own credit report may have been mishandled in a similar manner, and that inaccurate information may have been either reinserted or left unaddressed as a result of inadequate investigations.

In light of this, I am requesting that Experian : Reinvestigate all inaccuracies on my credit report with the appropriate due diligence required under the FCRA. Any outdated or incorrect information must be corrected in accordance with the law.

Provide a full, written explanation of the results of any past investigations into disputes I have filed, including details of the methods used in verifying the accuracy of the reported information.

Remove any inaccurate or incomplete information that may have been wrongfully reinserted after being successfully disputed in previous investigations. 
I trust Experian will handle my dispute in full compliance with the Fair Credit Reporting Act and will ensure that any errors are resolved swiftly and accurately. Please confirm receipt of this letter and provide me with a detailed response outlining the steps taken to investigate and correct any issues related to my credit report. 

Thank you for your attention to this matter. I expect a prompt resolution, and I look forward to your response within the timeframes prescribed by the FCRA. 

Sincerely, XXXX XXXX XX/XX/XXXX Last XXXX SS # XXXX [ Your Experian Report Reference Number # 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
recently discovered that someone fraudulently used my identity to apply for a XXXX XXXX XXXX XXXX without my consent. I did not authorize this application, and as a result, an unauthorized credit inquiry was added to my credit report. I have already contacted XXXX XXXX XXXX and they have initiated an investigation. However, I am requesting that this unauthorized inquiry be removed from my credit report immediately, as it was the result of identity theft. Please assist in ensuring this matter is resolved promptly.

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 2025-02-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
recently discovered that someone fraudulently used my identity to apply for a XXXX XXXX XXXX XXXX without my consent. I did not authorize this application, and as a result, an unauthorized credit inquiry was added to my credit report. I have already contacted XXXX XXXX XXXX and they have initiated an investigation. However, I am requesting that this unauthorized inquiry be removed from my credit report immediately, as it was the result of identity theft. Please assist in ensuring this matter is resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
recently discovered that someone fraudulently used my identity to apply for a XXXX XXXX credit card without my consent. I did not authorize this application, and as a result, an unauthorized credit inquiry was added to my credit report. I have already contacted XXXX XXXX XXXX and they have initiated an investigation. However, I am requesting that this unauthorized inquiry be removed from my credit report immediately, as it was the result of identity theft. Please assist in ensuring this matter is resolved promptly.

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 2025-02-17 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
I am writing to dispute certain credit inquiries and accounts listed on my credit report, as l believe they were made fraudulently without my authorization. I have reason to believe that my personal information was compromised and used to make unauthorized credit inquiries. I am requesting that these inquiries be removed from my credit report as per 605B15 U.S.C. 1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) Report number ( XXXX ) identity theft and fraudulent activities.my personal information was used fraudulently. The unauthorized credit accounts I am disputing are as follows : XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXXXXXX credit inquiries I am disputing are as follows : accounts were made without my knowledge or consent and should be removed from my credit file. As per the Fair Credit Reporting Act ( FCRA ), l am requesting that you investigate these disputed inquiries and remove them from credit reports

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 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-17 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:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Subject : Dispute of Charged-Off Account and Missing 1099-C Form Amount Reported : XXXX {$12000.00} ; XXXX {$12000.00} Dear SANTANDER CONSUMER USA , I am formally disputing the inaccurate " charged off '' status on my account and demand immediate action. According to IRS guidelines, creditors must issue a Form 1099-C, Cancellation of Debt, when a debt is charged off. Yet, to date, I have not received this form, which raises serious concerns about your compliance with federal tax laws.

You must take corrective action without delay. Either : 1. Provide me with the 1099-C form for the canceled debt, or 2. Remove the charged-off status from my account immediately if no 1099-C has been issued.

Failure to resolve this matter promptly will leave me with no choice but to report this as potential fraud and noncompliance to the IRS. I expect written confirmation within 30 days that either the 1099-C has been issued, or the charged-off status has been removed. This is an urgent matter, and I expect it to be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 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 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
In observing the complaint being finalized again and not being in the favor of the victim of identity theft, I would like the opportunity to express my points again and re-open this case. 

XXXX the representative that continues to point out false claims that XXXX is the original opener of the account in this matter once again proved another point that only concretes my statement. 

XXXX phone number that was mentioned being tied to the account is XXXX. 
That number mentioned Is not connected to XXXX. 
I have taken the time to dispute that phone number on the account with Experian- ( proof attached ) It is only tied to Me because he used that number on numerous other accounts to open fraudulently. 

If these signs do not prove that this is familial identity theft, than maybe there is another issue to be addressed with the way this investigation has been handled. 
XXXX has the ability to use my social security and by living in the same home he could have easily intercepted a SMS text message as well as invaded my privacy. 

With that said, I would like to have another representative take a look and review all documents and writings pertaining to this matter. 
I will also like to have documents showing XXXX phone call logs, recordings if possible, ANY signed documents with the falsified signature, as well as the documents linking the paid statements to XXXX financial account ( s ) Currently with how this is being handled and the severity of XXXX XXXX, police reports and restraining orders being taken lightly- I believe its in my best interest to receive these documents so I can forward them to a legal team to better handle this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> To : Experian Experian Dispute Department XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Credit Reporting Agencies , I am writing to formally dispute inaccurate information on my credit report that is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I request a thorough investigation into these inaccuracies as required by federal law.

Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes, citing inadequate investigations and other unlawful practices. These violations include : Conducting insufficient investigations that fail to properly address consumer disputes.

Reinserting previously disputed and inaccurate information without justification.

Failing to effectively notify consumers of investigation results.

These systemic issues raise serious concerns about the integrity of credit reporting practices. I am deeply concerned that my dispute may be mishandled in a similar manner.

Disputed Information : [ Clearly list the inaccurate items you are disputing, including account names, numbers ( if applicable ), and the specific errors. ] Under the FCRA, I request that you : Conduct a proper investigation into my dispute.

Provide me with a clear and comprehensible response regarding the results of your investigation.

Supply any documentation relied upon if the disputed information is verified as accurate.

Remove or correct any inaccurate or unverified information from my credit report promptly.

If the investigation determines that the disputed information can not be verified or remains inaccurate, I demand its immediate removal or correction. Additionally, I request written confirmation detailing the actions taken regarding my dispute.

If this matter is not resolved satisfactorily, I will escalate my complaint to the CFPB and other relevant agencies.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation