vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
TRANSUNION HAVE BEEN REPORTING INACCURATE INFORMATION AND ACCOUNTS FOR MONTHS AND EVERY TIME I DISPUTE ANYTHING THEY COME BACK ACCURATE AND IM TRYING TO WONDER HOW WHEN THE OTHER CREDIT COMPANIES DONT EVEN REPORT THE ACCOUNT ON THERES. IM TRIED OF GOING BACK AND FORWARD WITH THIS COMPANY THATS HARMING MY CREDIT I DESERVE TO HAVE A CREDIT REPORT THATS TRUE AND ACCURATE AND I WANT THIS TO BE CORRECTED ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Mercari, Inc.
State: TX

Complaint narrative:
I completed two sales on Mercari, and both buyers **accepted the products, left a 5-star review, and my funds were released**. However, just a few days after the sales, Mercari **suddenly closed my account without any explanation or proof**. They requested my **ID and SSN**, which I provided, yet they are still **withholding my funds**. 

When I emailed them about my inability to withdraw my money, they responded : > * '' After reviewing your account, weve determined that youve violated our Terms of Service by selling non-authentic items. The sale of non-authentic items is illegal and strictly prohibited by Mercari. At this time, we are holding your funds to cover any buyer complaints. " * This accusation is **completely false**. I did **not** sell any fake or non-authentic products. **All items were 100 % authentic and were my own personal belongings**not inventory for a business. I am **not a business owner or a reseller** ; these were items I personally owned and sold on Mercari for extra cash.

When I asked for **proof of any complaints**, as both buyers were completely satisfied and I have documented conversations confirming this, Mercari refused , stating : > * '' Mercari does not disclose the details of internal monitoring rules. Therefore, we will not provide details. " * Now, Mercari is demanding **proof of inventory** for the items I sold, requiring receipts, invoices, or purchasing agreements from a licensed distributor. **Again, I am NOT a business owner. ** I did not buy in bulk or have distributor invoices because these were my personal items, not wholesale stock.

How is it **legal** for Mercari to **keep both my products and my money** without providing **any proof of a complaint or wrongdoing**? This appears to be a clear case of **unjust enrichment and potential fraud** on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Ive had my cashapp account closed due to a dispute I made from not receiving products and my money was taken and it made my account negative XXXX dollars, now Im unable to use that cashapp or ever create a new account Ive tried multiple times making a pew account Ive also tried contacting support and there was nothing done about it. I was never able to get my money back and my account completely closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: IN

Complaint narrative:
I am submitting this follow-up complaint regarding MRS BPO LLC for their continued violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I filed a complaint after MRS BPO LLC sent a text message from XXXX to a member of my family ( phone number ending in XXXX ), improperly disclosing my personal debt information. Despite this complaint, MRS BPO LLC again contacted the same family member via text message four days later, on XX/XX/year>, making this the second violation of my rights. 

Under 15 U.S.C. 1692c ( b ) of the FDCPA, debt collectors are prohibited from discussing a consumers debt with third parties without permission. The fact that this has now happened twiceeven after a formal complaintdemonstrates a willful disregard for federal law. 

MRS BPO LLCs blatant disregard for consumer protection laws must be addressed. Please confirm receipt of this follow-up complaint and inform me of any next steps.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IL

Complaint narrative:
I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$1000.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my Experian credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I formally request that Experian block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within four business days upon receipt of proper documentation. 

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Account is reporting negatively on my credit and it's stopping me from moving forward with the things i need to survive..AGENCY STATED THE CREDITOR WAS NOT reporting this account but I see it on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
My account was restricted on XX/XX/year>. They will not give me a reason as to why. This is a sofi account. I've called several times and they just see I need to verify my identity. I've already done that XXXX times in the XXXX I've had this account. My current Identification, is expired but I have it and my social security card and birth certificate, several other ways to verify my identity. They should not be able to block me from my account/money. When they have already verified myself XXXX other times. Also in the agreement I signed it states you can verify your identity by social security card, other bank statements, passport, " or '' license/id. Thank you for your assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries. 

Furthermore, there are inquires on my credit report that I did not initiate, which constitutes a case of identity theft. I do not owe and debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct 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 2025-03-10 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX Equifax, XXXX XXXX These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed!

MY information was EXPOSED in multiple data breaches across XXXX  XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX balance {$940.00} date opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX balance {$2100.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$480.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXXank ) XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute letter through the mail via certified Mail on XX/XX/XXXX. XX/XX/XXXX I noticed none of my disputes were processed so I contacted customer service via their phone number listed online XXXX. I spoke with a representative after being on hold for 38 minutes and he informed me that they have my disputes but will not be processing them because they belief a 3rd party sent them on my behalf which we all know is a XXXX XXXX XXXX Because Im familiar with credit bureaus stall tactics I write in pen all over my letters This was not sent by a 3rd party but still the representative told me I would need to send new letters because theyre not going to process them. If you look at my history of disputes with the CFPB I have been making complaints about the same accounts for 2 years now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax fails to conduct proper research. 
1. Late Payments After Charge-Off : Reporting monthly late payments post-charge-off is redundant, misleading, and a violation of FCRA 607 ( b ), which requires maximum accuracy. A charge-off already indicates delinquency, and additional late payments are inaccurate.

2. Re-Aging of Account : Repeatedly updating this account as a new delinquency unlawfully extends the statute of limitations and harms my credit profile. This practice violates federal law.

3. Reports a balance inconsistently across credit bureaus, this violates FCRA 1681s-2 ( b ) Under FCRA 609 ( a ) ( 1 ), I am entitled to review the documentation used to verify this account, including : -The original contract bearing my signature. 
-Complete payment history and proof of default. 
-Documentation substantiating the charge-off and any updates.. 

Ive attached the letters and the screenshots necessary for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I have attached documentation from the appropriate authorities to support my claims. I would be grateful if you could promptly remove the fraudulent entries from my credit report and take the necessary steps to rectify any inaccuracies or fraudulent activities because I already file a complaint again for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately. 

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent. 

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA. 

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau XXXX 

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal. 

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding these fraudulent accounts, but the bureau has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

These accounts have been removed and not verified by other credit bureaus, so I do not understand why you continue to claim these accounts belong to me. 

I have requested copies of the contracts from the company in question, but after more than XXXX days, I have received no response. 

For these reasons, I request immediate action to block and remove this information from 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following derogatory account and inquiries that have appeared on my credit report as of the date above. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate, incomplete, or outdated information on my credit report, and I am requesting that you investigate the items listed below. 
Derogatory Account : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Equifax XXXX : XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquiries : XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation