vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within 15 days. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX withdrew from account and cash app allowed XXXX to with draw even though XXXX is blocked from my account this is the first time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I am writing to request a investigation of the following accounts showing on my Chex Systems consumer report that I have never opened or used XXXX XXXX XXXX : [ XXXX XXXX XXXX # XXXX ] XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to report only 100 % accurate, verifiable, and substantiated accounts. These accounts are either inaccurate, unverifiable, or in violation of consumer protection laws and must be deleted immediately. Please review the documents below you have 30 days to investigate 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 explanation
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within 15 days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: OH

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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:
I recently obtained a copy of my credit report in and about XX/XX/XXXX, and discovered multiple fraudulent accounts and inquiries that I did not initiate or authorize. I am a victim of identity theft, and I am formally disputing the following accounts and inquiries as fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am requesting the immediate block and removal of these accounts and inquiries from my credit file. 
Fraudulent Accounts & Inquiries Identified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
2 months ago I requested a pause for the loan due to unemployment, my request was denied, on their system they charged my bank every two weeks and always got money, one day they sent back my auto payment saying it was not complete, I had the money in my bank, we can go to court with the dates and transaction history, this was two months ago, since then they have been predatory towards the loan and none of my payments have gone to the principal of the loan, they have been stealing my money every two weeks and not paying towards my debt. Ive reached out multiple times for resolution but hey are saying I need to keep paying and are not offering any type of relief. Due to my financial crisis from the situation Ive had to call again to pause and I called my chase bank to stop them from taking payments with no principal effect. The nature of this loan is demonized towards stealing from younger people in financial crisis. I would like to pay fair and square and Ive already paid all my finance charge. Id like them to either pause the loan or give me a one time payment I need to pay without taking installments, nowhere in the loan agreement did it state that they would charge me and not charge towards principal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App closed my account claiming I have violated terms of service. When attempting to find out what terms were violated as I have only used the app for Taxes, Food Purchases, Sending money to my Daughter and sending money to a friend, their only response has been we found evidence to a violation but we don't know what that evidence is. Every attempt to have my account reinstated results in the same canned response we found evidence and we don't know what the evidence is. I have provided my transaction logs to CashApp with the last item being a food purchase in 2024 and not one of my transactions would qualify for any type of terms violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I am filing this complaint against Radius Global Solution regarding an unauthorized debt that has been placed on my account. I did not authorize any transaction, account, or agreement with this company, yet they have reported a debt to my credit file and/or attempted to collect payment from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: NJ

Complaint narrative:
Kindly remove the unauthorized accounts from my credit report as soon as possible. I have no connection to these accounts, nor did I authorize them. Per USC 1681g, I am formally requesting their removal within XXXX XXXX. I have enclosed supporting documents for your review. Moreover, discrepancies exist as different account details are being reported to each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX  XXXX 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 2025-03-29 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: GA

Complaint narrative:
XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection accounts and unauthorized inquiries listed below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law. 

Disputed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX Anesthesia ) - XXXX FedLoan - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : A statement alone is insufficient proof of debt ownershipa complete chain of assignments is required. Missing any Bill of Sale voids the claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, collection is invalid. 

My Formal Demands : Validation Provide the original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist Stop all collection and reporting activities until validation is completed. 

Immediate Deletion If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Failure to comply will result in complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1681n & 1681o. I expect written confirmation of compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cease and Desist reporting and Delete from the following credit bureaus, Transunion, Equifax and Experian immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GA

Complaint narrative:
XXXX Subject : Debt Ownership Dispute, Validation Request, Cease-and-Desist, and Demand for Deletion I formally dispute the collection accounts and unauthorized inquiries listed below and demand full validation under the FDCPA, FCRA, and Regulation F. Until proper validation is provided, all collection and reporting activities must cease immediately as required by law. 

Disputed Accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX Anesthesia ) - XXXX FedLoan - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Legal Basis for My Dispute : 15 U.S.C. 1692g ( b ) ( FDCPA ) : Collection efforts must cease until full validation is provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : A statement alone is insufficient proof of debt ownershipa complete chain of assignments is required. Missing any Bill of Sale voids the claim.

15 U.S.C. 1681s-2 ( a ) & ( b ) ( FCRA ) : Prohibits reporting unverifiable information.

Securitization Law : If this debt was bundled and sold as a security, collection is invalid. 

My Formal Demands : Validation Provide the original signed agreement and full payment history.

All Bills of Sale/Assignments proving continuous ownership.

Confirmation this debt was not securitized.

Cease-and-Desist Stop all collection and reporting activities until validation is completed. 

Immediate Deletion If you can not fully validate this debt, remove it from Experian, TransUnion, and Equifax immediately.

Failure to comply will result in complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1681n & 1681o. I expect written confirmation of compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cease and Desist reporting and Delete from the following credit bureaus, Transunion, Equifax and Experian 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