vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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:
I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX  XXXX - {$6800.00} XXXX XXXX  XXXX - {$0.00} XXXX XXXX XXXX - {$1400.00} XXXX XXXX XXXX - {$2400.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX - {$6800.00} XXXX XXXX  XXXX - {$0.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX - XXXX - {$0.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not accured with the i formation that they are providing on my credit score.

They are reporting wrong and damaging my credit score. Speak with a customer service from experian is impossible. And i really need this to be done. 
Also the data is not correct Attached will see the inquiries and the accounts closed also i am attaching the scores from XXXX AND XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have sent multiple letters to the company stating all the claims and fraud with legal language stating these claims and they avoid and ignore my claims of this account and requesting to be removed from my credit report and still do not agree to my request with still sharing my personal and private information to a 3rd party with no legal documentation in doing so and now I have faced financial stress, emotional, and physical also financial problems with financial aids

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: CA

Complaint narrative:
Hello, Ive received an XXXX XXXX XXXXXXXX XXXX XXXX on XXXX  and theyve made attempts to process my insurance that I have with XXXX XXXX. My XXXX ID is XXXX. It was not processing for some reason so I called someone named XXXX from XXXX at this phone number XXXX on XX/XX/scrub>XXXX. He said I never shouldve received a bill from XXXX and that they will take care of the claim on their end and I dont need to worry about this anymore. The bill eventually went to collections and I keep receiving calls from them attempting to collect on the bill. I spoke with XXXX who also said that they would put a hold on the collection until XXXXXXXX XXXX processes the claim but I still keep receiving mail and calls from debt collection agency named Frost Arnett. 

I have call recordings of all conversations. 

Please advise,

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: CA

Complaint narrative:
Numerous times I was affected by Cash app. Ive had money taken off my card on Cash app and having had that money replaced after weeks of trying to contact customer service, which seemed nonexistence during the time I had trouble trying to get someone on the phone or talk to a human being numerous occasions over the last 2 1/2 years Now I have been waiting for a card since XXXX thats never come that I paid {$16.00} for and its now XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the inaccurate information from my credit report, despite multiple disputes and supporting evidence. This ongoing failure has negatively impacted my creditworthiness, causing financial harm and undue stress. I am seeking resolution to ensure compliance with the FCRA and to have my credit report accurately reflect my financial history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies regarding my personal information. To help facilitate the correction process, I have attached documentation providing proof of my current address, as indicated on your website. 

The only correct address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following incorrect address from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I noticed that my name appears with multiple incorrect spellings. My name should appear only as : XXXX XXXX XXXX XXXX Here are the incorrect name variations I request to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of any inaccurate employer information. The only employer that should be listed is : Senior Life Insurance These inaccuracies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other related regulations. Specifically, the following laws apply : XXXX U.S. CXXXX XXXX : Protection of personal information. 
XXXX U.S. CXXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX U.S. CXXXX XXXX : XXXX of privacy policies. 
XXXX U.S. CXXXX XXXX ( b ) : Accuracy of credit reports. 
XXXX U.S. CXXXX XXXX ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
XXXX U.S. CXXXX XXXX : Aggravated identity theft. 
It is essential that my credit report reflects accurate information. Failure to correct these errors may result in further action to protect my rights. 

Once the corrections have been made, please send me a copy of my updated credit report. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies regarding my personal information. To help facilitate the correction process, I have attached documentation providing proof of my current address, as indicated on your website. 

The only correct address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following incorrect address from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I noticed that my name appears with multiple incorrect spellings. My name should appear only as : XXXX XXXX XXXX XXXX Here are the incorrect name variations I request to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of any inaccurate employer information. The only employer that should be listed is : Senior Life Insurance These inaccuracies are a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other related regulations. Specifically, the following laws apply : XXXX U.S. CXXXX XXXX : Protection of personal information. 
XXXX U.S. CXXXX XXXX : Obligations regarding the disclosure of personal information. 
XXXX U.S. CXXXX XXXX : XXXX of privacy policies. 
XXXX U.S. CXXXX XXXX ( b ) : Accuracy of credit reports. 
XXXX U.S. CXXXX XXXX ( d ) ( 2 ) : Exclusion of certain transactions from credit reports. 
XXXX U.S. CXXXX XXXX : Aggravated identity theft. 
It is essential that my credit report reflects accurate information. Failure to correct these errors may result in further action to protect my rights. 

Once the corrections have been made, please send me a copy of my updated credit report. 

Thank you for your prompt attention and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: 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: TX

Complaint narrative:
There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, XXXX have no choice but to take legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I don't recognize this collection this account where open fraudulently I demand proof that original creditor had a permissible purpose under 15 u.s.c 1681b to access or report my information. absent of such proof, I want them to delete this entry immediately from credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was a victim of identity theft. I checked my credit bureaus and had incorrect personal addresses, unauthorized credit inquiries, and unauthorized credit cards open in my name, which I didn't do. I sent letters from TransUnion, Equifax, and TransUnion. The first letter was sent on XX/XX/year>, and the XXXX  letter on XX/XX/XXXX, and I haven't heard of any response from them regarding a credit freeze, fraud alert, and a copy of my credit report. The unauthorized credit cards in my name are XXXX, XXXX XXXX, and XXXX. The unauthorized credit inquiries are from Celtic, XXXX XXXX, XXXX, and XXXX XXXX. I have sent them the FTC report, police report, and FBI report and made a report with the Missouri Attorney General. I also had a XXXX XXXX with XXXX  XXXX, XXXX, and XXXX. I also was a victim of buying prepaid XXXX XXXX  XXXX, and the scammer had XXXX fraud checks of {$5100.00} at XXXX  XXXX XXXX and the other of {$15000.00} at XXXX XXXX XXXX. I am outraged as I have sent all the credit card companies individually XXXX, XXXX XXXX, and XXXX, and I haven't heard from them either. I also sent them XXXX letters on XX/XX/XXXX and XX/XX/year>. The scammer also put my old XXXX ID email with his new cell phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I would like to request a reconsideration regarding a XXXX late payment reported in XX/XX/year> on my account with XXXX. This delay was due to an unexpected health situation ( XXXX ), which temporarily impacted my ability to make the payment on time. 

Since then, I have ensured my account remains in good standing and have set up automatic payments to prevent any similar occurrences in the future. My overall credit history reflects responsible financial behavior, and this late payment was an isolated incident. 

For this reason, I contacted XXXX to request that they consider removing this late payment record as a goodwill adjustment, as it does not accurately represent my financial responsibility. However, I have not yet received a response to my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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