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: 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 15681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
My information was leaked in the Equifax data breech and as a result I was forced to file bankruptcy to avoid a judgement against me for several accounts that were a result of the data breech and do not belong to me and are inaccurate. The accounts are as follows XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX / XXXX - Acct # XXXX XXXX. XXXX XXXX  XXXX - Acct # XXXX XXXX. XXXXXXXX XXXX  - Acct # XXXX XXXXXXXX XXXX Acct # 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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/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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX and On XX/XX/XXXX i tired to use my bank card and it was declined i called my bank and they told me Midland credit management inc but a freeze on my account and i needed to contact them after i called them they say that i owe them money because they brought a loan that i owed and they served me to come to court back in XX/XX/XXXX but i was never served! I told them i was never served and i believe they served my son instead of me because we have the same name his name is XXXX XXXX also and i needed my bank account to be unlocked but they wont do it! I never got to explain my side in court because i never knew i had a court date

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: TX

Complaint narrative:
Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and anxiety while undermining my financial stability.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XX/XX/XXXXXXXX XXXX &XX/XX/XXXX 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XX/XX/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 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: MI

Complaint narrative:
Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/year> this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report 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 2025-02-04 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: MI

Complaint narrative:
Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX XXXX XXXX Account Number : XXXX Date opened XX/XX/year> this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report immediately

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: EQUIFAX, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for failing to comply with the XXXX  Victims Protection Act ( XXXX  ) and the Fair Credit Reporting Act ( FCRA ) regarding the removal of fraudulent accounts from my file. 

I am a victim of XXXX  XXXX, and my identity was fraudulently used to open financial accounts without my knowledge or consent. Specifically, the account with XXXX XXXX XXXX XXXX is the result of fraudulent activity, and I have provided all legally required documentation to Experian to request the immediate blocking of this adverse information. 

Legal Basis for My Request Under the XXXX  Victims Protection Act ( TVPA ) and FCRA, credit reporting agencies are legally required to remove or block negative information that results from XXXX-related identity theft when provided with : A police report or law enforcement documentation confirming the fraudulent activity. 
An identity theft report filed with the Federal Trade Commission ( FTC ). 
A written request from the victim stating that the adverse information resulted from XXXX  XXXX. 

I have already submitted all necessary documentation to Experian, including : A police report verifying that the fraudulent account was opened without my authorization. 
A Federal Trade Commission ( FTC ) identity theft report documenting the fraudulent activity. 
A formal written request demanding the removal of all adverse information related to this fraud. 
Experians Non-Compliance & Violation of Federal Law Despite providing all legally required documentation, Experian has failed to : Investigate and block the fraudulent account within the legally mandated timeframe. 
Comply with the FCRA and XXXX, which require immediate removal of fraudulent data when sufficient proof is provided. 
Prevent further harm to my financial stability by allowing this fraudulent account to remain on my file. 

I appreciate your prompt attention to this matter and expect a resolution in accordance with federal 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, all credit scores. 
XXXX XXXX XXXX XXXX or XXXX. 
XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX. 
XXXX/XXXX/XX/XX/XXXX XXXX I have no idea why my credit score keeps decreasing badly like that without my notice as they falsely Claim l pay late bills that never occur in my entire bills history. I've always paid my bill on time without missing any payments, but my score is lower due to insufficient claim you must fix this mistake asap pls. All the false claims need to go asap. l constantly tries to apply for new credit cards or loans l deny due to my debt and all the negative claims on my files. l wants all three credits bureau to reject all the bogus claims of my credit score vital for clean out that hold me back to not owning anything. Every time l filled out the institutions for money l disapprove of the loans for instance, XXXX, Capital one bank, medical bills, and XXXX Bank student loans must fix up my credit score and correct all the mistakes that occur asap. I want to increase my credit scores higher not lower my score at all. I dont recollect all the negative allegations on my account, all these allegations must go and fix up

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: MS

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

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: FL

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 2025-02-04 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: MI

Complaint narrative:
Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. XXXX Account number XXXX Date opened XX/XX/year>2024 and XXXX XX/XX/XXXX DELAWARE Account XXXX XXXX Date opened XX/XX/year>2024 this account was opened and furnace as the result of a data beach/identity theft. Pursuant to 15 USC 1681 and FCRA 605b this derogatory account must be removed from my consumer report 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 non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Bureau 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 : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense XXXX  and XXXX while severely impacting my financial stability and everyday wellbeing.

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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 : WELLS FARGO CARD SERVICES, XXXX, XX/XX/XXXX2024 Account 2 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 Account 3 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 Account 4 : XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX2024 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
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: Block, Inc.
State: MN

Complaint narrative:
In XX/XX/scrub> 2020 I sent {$500.00} to XXXX XXXX as monthly contribution to help member with savings for that month and when I sent {$500.00} to XXXX XXXX, the system was shot down and when I made an attempt through cash app to refund my money, cashapp says its unable to request cash from XXXX XXXX. 
This experience has made me very sad because cash app allowed XXXX XXXX to scam me off of {$500.00}.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My personal information was used improperly to conduct these inquiries on my personal credit report. I have not completed these. It has made my life very hard, and detrimental trying to navigate with these on 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
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: PA

Complaint narrative:
My personal information was used improperly to conduct these inquiries on my personal credit report. I have not completed these. It has made my life very hard, and detrimental trying to navigate with these on my credit report.

Company response to consumer: Closed with non-monetary relief