vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: NM

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. 

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 non-monetary relief
Consumer complaint received 2025-02-13 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: NH

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 explanation
Consumer complaint received 2025-02-13 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 so exhausted I've been trying to correct things with Equifax Experian and transition but it's no response no reply nothing! I sent so many letters certified and I still get no response. please help me pursuant to 15 USC 1681i ( a ) 1 they are required to respond within XXXX  days or the items shall be removed. pursuant to 15 USC 1681i ( a ) 6 ( B ) 3 they aren't properly investigating these accounts.

please help me as these aren't my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2025-02-12 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: AZ

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XX/XX/year> Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.

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 2025-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Block, Inc.
State: TN

Complaint narrative:
They keep sending the same thing on how to link the card or withdraw and it still doesn't work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
I recently received a copy of my credit report and noticed several accounts reporting that do not belong to me and are affecting my life in the most detrimental way possible. I am writing to delete the following information in my file, The items are listed in the report. I am a victim of identity theft and did not make the charge, I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade commission 's theft affidavit. please delete the items as soon as possible. These remarks have affected my life and credit health greatly.

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 2025-02-13 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: UT

Complaint narrative:
I am writing to address several accounts on my credit report that I believe are inaccurate and have not been properly verified. After reviewing my credit reports from other bureaus, I noticed discrepancies that suggest these accounts may not have been thoroughly investigated. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of all reported information and to conduct a comprehensive investigation when a dispute is raised. 
Based on the information I have, I do not believe these accounts were appropriately verified. 
The accounts I am disputing are as follows : Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX  XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX - XXXX - Unverified XXXX  XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX of XXXX XXXX XXXX XXXX - XXXX - Unverified XXXX XXXX XXXX - XXXX - Unverified XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX - Unverified XXXX  - XX/XX/XXXX - Unverified XXXX  - XX/XX/XXXX - Unverified XXXX  - XX/XX/XXXX - Unverified XXXX  - XX/XX/XXXX - Unverified I am also aware of the recent lawsuit between the Consumer Financial Protection Bureau ( CFPB ) and XXXX, which highlights issues with improperly handled disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: CO

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX XX/XX/XXXX -- {$29000.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX XX/XX/XXXX -- {$36000.00} XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXX.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information. 
The specific item ( s ) I am disputing are as follows : XXXX. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting a complaint regarding multiple disputes I filed with Experian, Transunion, and Equifax concerning accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on my credit report. My dispute specifically requested verifiable proof of my signature or authorization to validate the accounts legitimacy provided by the original creditor. 

Despite multiple disputes and requests, Experian, Transunion, and Equifax closed the dispute as accurate without providing any evidence from the creditor, such as a signed agreement or application proving I consented to this account. This failure to provide verification violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of reported information. 

I am formally requesting the CFPB to investigate this matter and require Experian, Transunion, and Equifax to either produce documented proof of my authorization or have the account removed from my credit reports immediately. 

The first Creditor is XXXX XXXX XXXX : There are XXXX collection accounts : XXXX. {$5500.00} XXXX. {$8600.00} The Second Creditor is XXXX XXXX XXXX XXXX XXXX : There are XXXX collections accounts : XXXX. {$18000.00} XXXX. {$25000.00} XXXX. {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting a complaint regarding multiple disputes I filed with Experian, Transunion, and Equifax concerning accounts reported by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on my credit report. My dispute specifically requested verifiable proof of my signature or authorization to validate the accounts legitimacy provided by the original creditor. 

Despite multiple disputes and requests, Experian, Transunion, and Equifax closed the dispute as accurate without providing any evidence from the creditor, such as a signed agreement or application proving I consented to this account. This failure to provide verification violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of reported information. 

I am formally requesting the CFPB to investigate this matter and require Experian, Transunion, and Equifax to either produce documented proof of my authorization or have the account removed from my credit reports immediately. 

The first Creditor is XXXX XXXX XXXX : There are XXXX collection accounts : XXXX. {$5500.00} XXXX. {$8600.00} The Second Creditor is XXXX XXXX XXXX XXXX XXXX : There are XXXX collections accounts : XXXX. {$18000.00} XXXX. {$25000.00} XXXX. {$450.00}

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 2025-02-13 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: OH

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central States Recovery, Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I pulled my XXXX and XXXX XXXX report, and I noticed Central States Recovery Collections were reporting I owe them. I have never did any kind of business with Central States Recovery Collections. On XX/XX/year>, I requested, I be provided with all documentation they have, which proves I owe for the account they're reporting as a collection account. I also requested, for the information that they're reporting to be permanently removed from my consumer report, and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX/XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I tried to pull my XXXX credit reports, XXXX of the XXXX worked perfectly fine, Equifax, did not though. I went through the process as instructed, and was told We've experienced an issue processing your request I tried to continue on and go back to retry, hoping to get a troubleshooted workaround, but was prompted that if I continued on, I wouldnt be able to access my report again. So then I called the number that was given to reach out to. I called, and tried to get to an actual representative. After calling XXXX  times, I finally got put into a queue. After sitting on hold for XXXX, the call dropped and I was hung up on. I went back to the webpage to try and re verify myself, and when I got back to the page that prompted me of the error, the message now displayed that I already received my report and wouldnt be able to get another copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NY

Complaint narrative:
There are inquiries from your company on my credit report that I never authorized, and theyre seriously affecting my credit score

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