vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX XX/XX/XXXX Equifax Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Accounts Under FCRA Violations XXXX XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of multiple accounts on my credit report. I was a victim of the Equifax Data Breach, and my personal information was compromised, leading to fraudulent accounts and reporting errors. 
Furthermore, I have been directly affected by the violations outlined in the recent CFPB lawsuit against Equifax regarding improper dispute handling, reinsertion of deleted information, and failure to ensure accurate reporting and I demand their immediate removal. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a thorough and reasonable investigation of disputed information. 
However, based on the lawsuits findings, it is clear that Equifax has : Failed to properly investigate disputes ( 15 U.S.C. 1681i ( a ) ) Failed to notify consumers of investigation results ( 15 U.S.C.

1681i ( a ) ( 6 ) ) Reinserted previously deleted inaccurate information ( 15 U.S.C.

1681i ( a ) ( 5 ) ( B ) ) Failed to ensure maximum possi
ble accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) I demand that Equifax immediately investigate and remove the following accounts, as they are inaccurate and affected by the lawsuit : Creditor Name/ Account Number/ Balance/ Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax , I am a victim of your malpractices-the same unlawful practices that led to your lawsuit. I demand that you remove these accounts immediately and correct my credit report without delay. 

Per FCRA regulations, you are required to complete this investigation within 30 days and provide me with a written response detailing the actions taken. If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to provide me with a detailed explanation of your findings, including whether any items have been corrected or removed. If any of these accounts are verified, I demand that you provide clear and documented proof of their legitimacy.

Please respond in writing to the address provided above. If Equifax continues to violate FCRA regulations, I reserve the right to seek legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX XXXX XX/XX/XXXX Equifax Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Accounts Under FCRA Violations XXXX XXXX XXXX XXXX  Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of multiple accounts on my credit report. I was a victim of the Equifax Data Breach, and my personal information was compromised, leading to fraudulent accounts and reporting errors. 
Furthermore, I have been directly affected by the violations outlined in the recent CFPB lawsuit against Equifax regarding improper dispute handling, reinsertion of deleted information, and failure to ensure accurate reporting and I demand their immediate removal. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a thorough and reasonable investigation of disputed information. 
However, based on the lawsuits findings, it is clear that Equifax has : Failed to properly investigate disputes ( 15 U.S.C. 1681i ( a ) ) Failed to notify consumers of investigation results ( 15 U.S.C.

1681i ( a ) ( 6 ) ) Reinserted previously deleted inaccurate information ( 15 U.S.C.

1681i ( a ) ( 5 ) ( B ) ) Failed to ensure maximum possi
ble accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) I demand that Equifax immediately investigate and remove the following accounts, as they are inaccurate and affected by the lawsuit : Creditor Name/ Account Number/ Balance/ Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax , I am a victim of your malpractices-the same unlawful practices that led to your lawsuit. I demand that you remove these accounts immediately and correct my credit report without delay. 

Per FCRA regulations, you are required to complete this investigation within 30 days and provide me with a written response detailing the actions taken. If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 
Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ), you are required to provide me with a detailed explanation of your findings, including whether any items have been corrected or removed. If any of these accounts are verified, I demand that you provide clear and documented proof of their legitimacy.

Please respond in writing to the address provided above. If Equifax continues to violate FCRA regulations, I reserve the right to seek legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: SC

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 2025-01-31 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: TX

Complaint narrative:
I want the reported accounts to be removed, including all accounts in XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I kindly request the removal of these inquiries from my credit report, as they are negatively impacting my loan applications and ability to obtain credit. Additionally, please provide any documentation you may have regarding the removal of these inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Issues with Your Reporting : Repeated Inaccurate Reporting You have incorrectly reported this debt as a charge-off every month. A charge-off is a one-time event, and repeated reporting is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ).

As this is a " Buy Now, Pay Later '' account, the reporting does not align with the nature of the original debt. 
Lack of Proper Documentation & Debt Validation While you have sent loan agreements, none of these documents contain my original signature. Sending generic loan agreements does not satisfy the legal requirement for proper debt validation. 
I am formally requesting that you validate this debt by providing a copy of the original loan agreement that bears my actual, original signature. If you can not provide this documentation, you must immediately remove the inaccurate reporting from my credit file. 
Failure to Provide Proof of Debt Transfer You have not provided documentation proving the transfer of this debt to a collection agency. Specifically, you have failed to disclose which agency is managing the debt and provide legal documentation of the transfer, as required by law. 
Failure to Address My Concerns In a recent conversation, your representatives refused to address my concerns. I have downloaded proof of this conversation, which demonstrates your unwillingness to engage in good faith efforts to resolve this matter. 
Violations of My Rights : Fair Credit Reporting Act ( FCRA ) : You are required to ensure the accuracy of the information reported to credit bureaus. Misreporting and failing to correct inaccuracies after being provided evidence constitutes a violation.

Fair Debt Collection Practices Act ( FDCPA ) : You must validate the debt properly, including providing documentation of any transfer to a collection agency, and you may not engage in deceptive practices. 
Right to Address Concerns : You have ignored my documented concerns and the proof I have provided regarding inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the debt reported under account number XXXX, listed as a collection account with an outstanding balance of {$16000.00} as of XX/XX/year>. I am requesting immediate validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), and I am exercising my right to dispute this alleged debt. 

As I have no knowledge of owing any debt to Jefferson Capital Systems, I believe this account may be the result of an error, fraudulent activity, or some other circumstance that requires clarification. In accordance with my rights under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

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 account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, 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 administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I marked as inaccurate : XXXX XXXX ( removal of late payments ) XXXX  ( removal of late payments ) XXXX XXXX  ( credit inquiry ) XXXX XXXX ( credit inquiry ) 2 times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing to formally dispute the debt reported under account number XXXX, listed as a collection account with an outstanding balance of {$1600.00} as of XX/XX/year>. I do not recognize this debt, and I am requesting full validation of this account pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), which affords me the right to dispute this alleged debt and request verification of the claim. As a consumer, I have not entered into any agreement with
Hunter Warfield, nor have I received any proper notification or documentation establishing my legal obligation to pay this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I was accused of fraud and cashapp closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CO

Complaint narrative:
I was told that they were working on giving me my money back after my money was mysteriously stolen out of my account so mNy time and the money was never returned. I have reached out so many times and never got my money back or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
The account listed is not mine and was open without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: SC

Complaint narrative:
The account listed is not mine and was open without my consent

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected,.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: PA

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 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 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 2025-01-31 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: Larry H. Miller Group of Companies
State: MI

Complaint narrative:
Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year>XXXX  on my credit report. I do not recognize this inquiry, nor have I authorized XXXX XXXX to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the XXXX XXXX name. 
2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to XXXX XXXX. 
3. The name and contact information of the individual or department within XXXX XXXX responsible for initiating this inquiry. 

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. 
Notify all credit reporting agencies of the correction. 
Confirm in writing that these actions have been completed. 

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
I

am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. This address is not associated with me and must be removed. The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided.

Send me written confirmation once the corrections are made, along with an updated 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 2025-01-31 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app XX/XX/year> at XXXX And you can't talk to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX 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 # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XX/XX/XXXXXXXX Account Name : XX/XX/XXXX Account Name : XX/XX/XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation