vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
Subject : Notification of Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally notify the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Equifax, and XXXX. These credit bureaus have neglected their obligations under Section 605B, which mandates the proper handling of fraudulent inquiries on consumer credit reports. 
Below are the details of the fraudulent inquiries that remain unresolved : Creditor Name Date of Inquiry Credit Bureau XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax XXXX. XXXX XXXX XX/XX/XXXX Equifax Despite my efforts to rectify these inaccuracies, the credit bureaus have failed to conduct reasonable investigations, leaving fraudulent inquiries unaddressed. This negligence has significantly impacted my credit standing and violates my rights as a consumer under federal law. 
I am requesting immediate action to rectify this situation, including the removal or correction of these disputed inquiries. The ongoing inaction of XXXX, Equifax, and XXXX constitutes a serious breach of consumer rights and undermines the integrity of the credit reporting system. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX UCC 1-308 All Rights Reserved,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXX XXXX  XXXX {$1700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXXXXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX NCB XXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX  - XX/XX/XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of account XXXX from my credit report due to its association with unlawful and unethical practices by XXXX XXXX and the original creditor, XXXX XXXX. 

XXXX XXXX violated XXXX XXXX Code XXXX under the Servicemembers Civil Relief Act ( SCRA ) by repossessing my vehicle during my XXXX military service without obtaining the required court order. This is a direct infringement on federal law and my rights as a servicemember. Furthermore, XXXXXXXX XXXX business registration in Texas is inactive, and their right to conduct business has been forfeited, making them legally ineligible to report debts to credit bureaus. 

XXXX XXXX subsequently purchased this debt without conducting a proper investigation, in violation of standards outlined in XXXX v. XXXX, XXXX. Additionally, I was never notified of the debt transfer, and XXXX XXXX has failed to provide any correspondence or validation of the debt, rendering their claims baseless and invalid. Their documented history of regulatory violations further highlights their unethical practices in debt collection. 

Given these circumstances, I demand the immediate removal of account XXXX from my credit report with your agency

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 2025-01-21 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 am writing to formally request the removal of account XXXX from my credit report due to its association with unlawful and unethical practices by XXXX XXXX and the original creditor, XXXX XXXX. 

XXXX XXXX violated 50 U.S. Code 3952 under the Servicemembers Civil Relief Act ( SCRA ) by repossessing my vehicle during my XXXX military service without obtaining the required court order. This is a direct infringement on federal law and my rights as a servicemember. Furthermore, XXXXXXXX XXXX  business registration in Texas is inactive, and their right to conduct business has been forfeited, making them legally ineligible to report debts to credit bureaus. 

XXXX XXXX subsequently purchased this debt without conducting a proper investigation, in violation of standards outlined in XXXX v. XXXX, XXXX. Additionally, I was never notified of the debt transfer, and XXXX XXXX has failed to provide any correspondence or validation of the debt, rendering their claims baseless and invalid. Their documented history of regulatory violations further highlights their unethical practices in debt collection. 

Given these circumstances, I demand the immediate removal of account XXXX from my credit report with your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NC

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. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
I did not authorize these credit inquiries and have not provided consent for these companies to access my credit information. I request the following actions : I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. I believe these inquiries were made without my consent and violate the Fair Credit Reporting Act ( FCRA ). Below are the details of the inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX XXXX Inquiry Date : XX/XX/XXXX Category : XXXX Conduct a full investigation into each of these inquiries to verify their legitimacy. 
Provide documentation of my authorization for each inquiry, if applicable. 
If no authorization can be provided, remove the unauthorized inquiries from my credit report immediately. 
Please note that under the FCRA, unauthorized credit inquiries constitute a violation, and I reserve the right to pursue further action if this matter is not resolved promptly. 

I appreciate your attention to this matter and request confirmation once the investigation is complete.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices violating 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 2025-01-21 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: Chime Financial Inc
State: NY

Complaint narrative:
I filed a dispute XXXX, chime/XXXX bank due to the information not being accurate. XXXX denied a follow with the investigation. I was recently notified that the CFPB has filed a lawsuit against the company XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with me situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or correct immediately as it is affecting my chances to get a house. XXXX violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-01-21 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: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Ive asked 3 times for proof that this account was verified as mine. I wanted the bill of sale, original contract with my wet signature, chain of custody, and purchase agreement. The company is XXXX XXXX SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX CREDIT COLLECTION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This account was open fraudulently, I have never had a credit nor do I want one. As I look at my credit report I was incarcerated when this account was open. Im reporting that mindland credit has been reporting on my credit inaccurately under code 15 u.s. code 1692c, 15 u.s. code 1692g, 15 u.s. code 1681e ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-01-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit report act ( FCRA ) to conduct a reasonable reinvestigation od disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.

The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, acce0ting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided causing harm to my credit standing. I am requiring immediate corrective action to remove or amend the disputed account an Experians inactions violates federal law and rights as a consumer therof.

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 2025-01-21 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was in a XXXX XXXXXXXX situation, where money was XXXX from my account to another person with without my acknowledgment/consent. I called my bank to dispute the transactions and they told me to reach out XXXX. Over {$5000.00} was taken from me. As a single mother, losing that much money hurts and I need it back

Company response to consumer: Closed with explanation