vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a loan XX/XX/year> under the account number XXXX XXXX XXXXXXXX credit card 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 case number ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This was emailed to me 4 times from " XXXX ''. I use neither Paypal or XXXX services. 

PayPaI Customer Care XXXX Weve identified an unauthorized transaction made from your PayPal account to XXXX : Amount : {$410.00} Transaction ID : XXXX Date XX/XX/year> To safeguard your account and ensure a full refund, Please reach out to our Customer Support team immediately at ( XXXX ) X ( XXXX ) X ( XXXX ) Our representatives are available XXXX to assist you in resolving this issue and preventing any additional unauthorized activity. 

Your accounts security is our top priority, and were fully committed to helping you address this matter swiftly. We appreciate your immediate attention to this alert. 

Best regards, PayPal Security Team ( XXXX ) X ( XXXX ) X ( XXXX ) Do Not Share This Email This email contains a secure link to XXXX. Please do not share this email, link, or access code with others. 

Alternate Signing Method Visit Docusign.com, click 'Access Documents ', and enter the security code : XXXX About Docusign Sign documents electronically in just minutes. It's safe, secure, and legally binding. Whether you're in an office, at home, on-the-go -- or even across the globe -- XXXX provides a professional trusted solution for Digital Transaction Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion failed to remove outdated information for XXXX and credit collection account for XXXXXXXX XXXX that account is not mine.

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 2025-02-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX, I am writing to dispute multiple accounts listed on my credit report as " Charge Off. '' The disputed accounts are : Account 1 : Amex, XXXX, XX/XX/XXXX Account 2 : Amex, XXXX, XX/XX/XXXX Account 3 : XXXX XXXX, XXXX, XX/XX/XXXX Account 4 : XXXX XXXXXXXX, XXXX, XX/XX/XXXX Account 5 XXXX XXXX XXXX XXXX, XX/XX/XXXX The basis for this dispute is that a Charge Off is considered " income '' for the creditor, and " income '' is not allowed to be listed on a credit report. This is in violation of the Fair Credit Reporting Act ( FCRA ) and the Internal Revenue Code. 

According to the Internal Revenue Code, 26 U.S.C. 451, a Charge Off is considered taxable income to the creditor. As such, it is not a debt that can be reported on a consumer 's credit report.

The FCRA, 15 U.S.C. 1681c, prohibits the reporting of income or debts that are not owed by the consumer. Since a Charge Off is considered income to the creditor, it does not meet the criteria for reporting on a credit report. 

Furthermore, the Consumer Financial Protection Bureau 's ( CFPB ) guidance on credit reporting emphasizes the importance of accurate and complete information. Reporting a Charge Off as a debt is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
So i never recived any loan or car for that matter and i tried disputing this issue on all credit reporting agency and have not been able to resolve issue for over 2years now this company is reporting false information and ive called them directly and told them that this account was the result of unauthorized services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
XXXX  XXXX Account number XXXX. This account was reported as a collections/ charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged-off. I urge your agency to reinvestigate and provide all missing information. Also, please explain why there is a past due balance reporting while the report show a charge-off? Im sure you know that it is violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: AZ

Complaint narrative:
XXXX  XXXX Account number XXXX. This account was reported as a collections/ charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was charged-off. I urge your agency to reinvestigate and provide all missing information. Also, please explain why there is a past due balance reporting while the report show a charge-off? Im sure you know that it is violation.

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 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XX/XX/XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXX/XX/XXXXAccount Number XXXX XX/XX/XXXX Account 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 non-monetary relief
Consumer complaint received 2025-02-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XX/XX/XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXX/XX/XXXXAccount Number XXXX XX/XX/XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I am filing a formal complaint against HARRIS & HARRIS , LTD for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by improperly reporting a collection account to my credit report without prior notice or an opportunity to dispute the debt. 

Violations Committed : 1. FDCPA Violation Failure to Provide Debt Validation Notice ( 15 U.S.C. 1692g ) Under 15 U.S.C. 1692g ( a ) of the FDCPA, a debt collector is required to send a written notice of the debt within five days of their initial communication, which must include : The amount of the debt The name of the creditor A statement that I have 30 days to dispute the debt before it is assumed valid I never received any such notice before the debt appeared on my credit report, denying me the opportunity to dispute or verify its accuracy.

2. FCRA Violation Improper Credit Reporting ( 15 U.S.C. 1681s-2 ) Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA, furnishers of credit information must : Ensure accuracy before reporting a debt Provide proper notification before furnishing negative information Promptly investigate disputes Since I was never contacted before this debt was placed on my credit report, it was reported in violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
Experians response to claim # XXXX is patently false and they have knowingly and willingly lied to the CFPB concerning the investigation is not yet complete and ongoing when they have in fact closed the investigations and have not removed the derogatory and incorrect information on my account. Information I requested to be removed has again either re-appeared or never corrected and they submitted that their findings were correct and case ( s ) closed. In each case items such as former addresses and/or aliases that I never lived at or assumed are still there even after requesting removal and they did not provide data to support their assertion. This is complete XX/XX/XXXX. That they continue to falsify testimony to the CFPB with impunity. By law they should have removed the information and now are in violation of the FCRA.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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, causing loss of assets held within the confines of private information. 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 2025-02-04 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-02-04 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-02-04 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: GA

Complaint narrative:
how long does a CRA have to investigate and reinvestigate, iv provided the inadequate responses, i'v never received any verifiable proof, and iv been met with INADEQUATE RESPONSES AND OR INFORMATION CONSIDERED BY 1681g ( a ) ( 1 ) ( B ). The Consumer Credit Reporting Reform Act of 1996 revised FCRA section 609 ( a ) to require that consumers receive all information in the file rather than only the nature and substance of the information. THE 30 DAYS HAS PASSED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I paid a {$60.00} XX/XX/XXXX from XXXX XXXX XXXX in XXXX XXXX that included a small tip using my Chime debit card viaXX/XX/XXXX. However, three days later, I noticed a fraudulent charge of {$110.00} on my Chime checking account. I never permitted or consented to XX/XX/XXXX withdrawing {$110.00} from my account, making this transaction a clear case of fraud and theft. I reported the fraudulent charge to Chime on XX/XX/scrub> 2024, just a few days following the initial {$60.00} payment, illustrating my quick response to alerting them about the inconsistency. I made over 20 calls where I spoke with supervisors and provided evidence supporting my claim of fraud. After months of advocating for a refund, I consistently supplied Chime with extensive proof, including various receipts. One key receipt from Chime confirms the correct charge of {$60.00}, along with another from XXXX XXXX detailing the transaction 's location, date, and time, which indicates that the {$60.00} charge was authorized. Yet, Chime refuses to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to formally dispute the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I request that you provide written validation of this debt, including : 1. The original creditors name and address.

2. The full amount of the debt, including any fees or interest added.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the signed agreement or contract proving that I am responsible for this debt.

If you are unable to provide the requested validation, I request that you immediately cease all collection activities and remove this debt from my credit report as required by law. 
Sent on XX/XX/year>2024 Alleged amount {$540.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XX/XX/XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXX/XX/XXXXAccount Number XXXX XX/XX/XXXX Account 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 2025-02-04 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-04 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: IL

Complaint narrative:
I am filing a formal complaint against Experian, XXXX, and XXXX for failing to investigate and correct fraudulent accounts, derogatory items, and inaccurate personal information on my credit report. 

In XX/XX/XXXX, I was a victim of identity theft, and fraudulent accounts were opened in my name, including XXXX XXXX and XXXX XXXX XXXX XXXX ( XXXX ). Despite providing police reports and fraud affidavits, these accounts remain on my credit file, violating FCRA Section 605B.

Additionally, multiple charge-offs, repossessions, and derogatory accounts ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Card XXXX and XXXX XXXX XXXX XXXX despite improper verification under FCRA XXXX XXXX. I also have unauthorized inquiries ( XXXX XXXXXX/XX/XXXX XXXX and incorrect personal information. 

The CFPB recently sued XXXX and Experian for failing to conduct proper dispute investigations, and my case aligns with this pattern of negligence. I demand : Removal of fraudulent accounts and unauthorized inquiries Deletion of incorrect derogatory items Correction of personal information Failure to act will result in legal action under FCRA Sections 616 & 617. I request CFPB intervention to ensure compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation