vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

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 2025-02-05 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to officially dispute a number of errors, discrepancies, and unfamiliar accounts that have surfaced 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 2025-02-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This company ( XXXX XXXX XXXX ) is reporting inaccurate and fraudulent information on my credit report. By provisions of 15 US section 168i of the Fair Credit Reporting act, these items need to be investigated. Please provide me with proof of these items, specifically the purchase agreement bearing my signature. Failing that please update the record to show as REMOVED and delete this item from my credit report as soon as possible. This account is listed as a collection/ charge off account on my credit report but I have not received a 1099C for this charged debt nor do I have any knowledge of this account. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the Fair Credit Reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completed investigation.

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 2025-02-05 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: Self Financial Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: FL

Complaint narrative:
XXXX, PA XXXX Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Report Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
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 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Complaint Against : Exeter Finance LLC Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint against Exeter Finance LLC for failure to provide legally required tax documentation, lack of response to a formal certified request, and potential fraudulent credit reporting practices. 
1. Failure to Provide Required 1099-C Tax Documentation On XX/XX/year>2024, I sent a formal certified mail request to Exeter Finance LLC requesting a 1099-C ( Cancellation of Debt ) form for tax year 2024. This document is required by the IRS when a lender cancels or charges off a debt. I requested this form to ensure accurate tax reporting, compliance with IRS regulations, and proper credit record maintenance. 

As of today, Exeter Finance has failed to respond or provide the legally required documentation, violating IRS regulations under 26 U.S. Code 6050P, which mandates that a lender must issue a 1099-C if a debt is canceled in whole or in part for {$600.00} or more. 

This failure prevents me from fulfilling my tax obligations accurately and could expose me to tax liability issues due to Exeters lack of compliance. 
2. Violations of Consumer Financial Protection Laws Exeter Finances failure to respond to my certified dispute request and refusal to provide documentation is a violation of federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) Lenders are required to report only accurate and complete information to credit bureaus. If Exeter has charged off this debt but not issued a 1099-C, they may be misrepresenting the account status, which is fraudulent credit reporting.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) If Exeter intends to collect on this charged-off account but refuses to provide documentation, they are engaging in deceptive collection practices. 

California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( Cal. Civ. Code 1785.16 ( a ) ) This law requires creditors to investigate and respond to consumer disputes in a timely manner. Their failure to acknowledge or respond to my certified request violates this law. 
3. Potential Credit Reporting Fraud If Exeter has charged off the debt and refuses to issue a 1099-C, they may still be treating it as an active obligation while misreporting its true status.

If the debt is forgiven or canceled, it should no longer be reported as owed. By failing to clarify the accounts true standing, Exeter Finance may be artificially inflating my debt obligations, harming my credit profile in violation of FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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:
FCRA 604 ( 15 U.S. Code 1681b ) FCRA 611 ( 15 U.S. Code 1681i ) FCRA 609 ( 15 U.S. Code 1681g ) i am writing to formally dispute and request the immediate removal of the following unauthorized fraudulent Accounts from my EQUIFAX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, BXXXX XXXX XXXX XXXX  FRAUDULENT INQUIRES XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX these Accounts were OPEN without my authorization and are fraudulent and are a violation of my consumer rights under the FEDERAL CONSUMER REPORTING AGENCY ( FCRA ). Specifically listed on attached FTC REPORT, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT XXXX According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below and the items listed on FTC report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts, inquiries, and collections have appeared on my credit report without my authorization. I discovered these fraudulent items in XX/XX/year> and immediately took action by filing an FTC Identity Theft Report ( Report # XXXX ). 

Following my discovery : I disputed the fraudulent accounts and inquiries with Equifax, Experian, and TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block fraudulent information within four ( 4 ) business days after receiving an identity theft report.

Equifax initially removed some fraudulent items but later reinserted them without notifying me, which violates FCRA Section 611 ( a ) ( 5 ) ( B ), requiring consumer notification when a deleted item is reinserted.

Experian and TransUnion failed to properly investigate my disputes, leaving fraudulent accounts and inquiries on my credit report despite clear evidence of identity theft. 
These inaccuracies are damaging my credit score and affecting my ability to secure financial services. 

Fraudulent Accounts & Inquiries The accounts and inquiries in question include : Fraudulent Credit Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
Fraudulent Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Enforcement History Equifax has violated FCRA Section 605B and 611 ( a ) ( 5 ) ( B ) by : 1. Failing to permanently remove fraudulent items, despite my FTC Identity Theft Report and formal disputes. 
2. Reinserting fraudulent accounts without notifying me, a direct violation of the FCRA.

3. Ignoring legally required deadlines, delaying my dispute resolution beyond the mandated four-day period. 

Additionally, the CFPB has previously fined Equifax {$15.00} XXXX for mishandling consumer disputes and failing to remove incorrect information. My experience aligns with these past enforcement actions, demonstrating a pattern of non-compliance and consumer harm.

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 2025-02-05 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: CA

Complaint narrative:
I am a victim of identity theft, and multiple fraudulent accounts, inquiries, and collections have appeared on my credit report without my authorization. I discovered these fraudulent items in XX/XX/year> and immediately took action by filing an FTC Identity Theft Report ( Report # XXXX ). 

Following my discovery : I disputed the fraudulent accounts and inquiries with Equifax, Experian, and TransUnion under Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block fraudulent information within four ( 4 ) business days after receiving an identity theft report.

Equifax initially removed some fraudulent items but later reinserted them without notifying me, which violates FCRA Section 611 ( a ) ( 5 ) ( B ), requiring consumer notification when a deleted item is reinserted.

Experian and TransUnion failed to properly investigate my disputes, leaving fraudulent accounts and inquiries on my credit report despite clear evidence of identity theft. 
These inaccuracies are damaging my credit score and affecting my ability to secure financial services. 

Fraudulent Accounts & Inquiries The accounts and inquiries in question include : Fraudulent Credit Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others. 
Fraudulent Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Enforcement History Equifax has violated FCRA Section 605B and 611 ( a ) ( 5 ) ( B ) by : 1. Failing to permanently remove fraudulent items, despite my FTC Identity Theft Report and formal disputes. 
2. Reinserting fraudulent accounts without notifying me, a direct violation of the FCRA.

3. Ignoring legally required deadlines, delaying my dispute resolution beyond the mandated four-day period. 

Additionally, the CFPB has previously fined Equifax {$15.00} XXXX for mishandling consumer disputes and failing to remove incorrect information. My experience aligns with these past enforcement actions, demonstrating a pattern of non-compliance and consumer harm.

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 2025-02-05 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: NJ

Complaint narrative:
No number or anyone to call to figure out why I keep getting charged fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TN

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: MoneyLion Inc.
State: AR

Complaint narrative:
Upon account activation and app download, on MONEYLION, based upon my credit score, I was given loans I was pre approved for and card offers. My credit score is above a XXXX. After completing the offers, it then tells me im not approved. Very misleading and intentionally so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Im making a complaint against cashapp due to not refunding me money cashapp failed to check my account for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: LEXISNEXIS
State: NV

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation