vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the Trans Union, the songXXXX  and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be 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 2025-03-14 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: Sezzle Inc.
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the XXXX  and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Porania, LLC
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the XXXX  and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
which I believe are the result of the recent data breach involving XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to request the removal of any credit inquiries made without my authorization, particularly when they stem from fraudulent activities, including identity theft due to a data breach.

I understand that the FCRA, Section 1681c-2 grants consumers the right to request a review and removal of credit inquiries resulting from identity theft or unauthorized access. I also request that you take action under the FCRA, Section 1681e and Section 1681i, which require the prompt investigation and correction of any inaccurate or unverifiable information on my credit report. 

The XXXX XXXX data breach, which exposed my personal and financial information, has led to several unauthorized credit inquiries being made in my name. I have reason to believe these inquiries were made without my consent, and therefore, they violate my rights under the FCRA and must be removed. 
Due to this beech An individual went into XXXX XXXX XXXX XXXX and applied for multiple car loans and the dealierahip ran my credit at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all fraudulent inquires. 

And these addresses are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
which I believe are the result of the recent data breach involving XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to request the removal of any credit inquiries made without my authorization, particularly when they stem from fraudulent activities, including identity theft due to a data breach.

I understand that the FCRA, Section 1681c-2 grants consumers the right to request a review and removal of credit inquiries resulting from identity theft or unauthorized access. I also request that you take action under the FCRA, Section 1681e and Section 1681i, which require the prompt investigation and correction of any inaccurate or unverifiable information on my credit report. 

The XXXX XXXX data breach, which exposed my personal and financial information, has led to several unauthorized credit inquiries being made in my name. I have reason to believe these inquiries were made without my consent, and therefore, they violate my rights under the FCRA and must be removed. 
Due to this beech An individual went into XXXX XXXX XXXX XXXX and applied for multiple car loans and the dealierahip ran my credit at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all fraudulent inquires. 

And these addresses are inaccurate XXXX XXXX XXXX XXXX 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 2025-03-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX OF XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: DE

Complaint narrative:
My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a
payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-03-14 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: BTH Management
State: FL

Complaint narrative:
This company is providing false information on my credit report regarding a debt not owed! I never received any correspondence by law to dispute prior to reporting this on my credit. Company appeared randomly. By law I have the right to dispute. Provide original proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I provide my legal name and ID correctly, but CashApp is not able to process/verify me by their app, NO ONE is able to resolve, this is ridiculous. I need and what to get my assets out of this terrible company asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: Self Financial Inc.
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the songXXXX  and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I am filing a complaint against XXXX businesses which have alleged that a check I presented to the XXXX XXXX XXXX, XXXX  was returned for non-sufficient funds. 
Date of check was XX/XX/XXXX for {$150.00}. 
The businesses and the reason for my complaint are : TeleCheck Services, LLC- for failure to properly record that the check I presented for payment was paid by my bank XXXX XXXX XXXX XXXX XXXX XXXX and not returned for non-sufficient funds. Please see attached proof that payment did clear my bank. 
XXXX XXXX XXXX they are attempting to collect for a debt I do not owe. 
On XX/XX/XXXX I wrote to XXXX XXXX XXXX explaining that their client, TeleCheck Services, ( an affiliate company ) did not properly process the check payment and provided proof that said check did in fact clear my bank. 
XXXX  days have pasted from XXXX  receipt of my letter ( see attached XXXX XXXX  XXXX proof of delivery ) I have heard no news. 
As per my letter XXXX XXXX should be required to complete the XXXX tasks I detailed in my XX/XX/XXXX letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This letter is a formal dispute of the alleged debt referenced in your communication dated [ Date of Collection Letter ]. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I demand that you immediately cease all collection activities and provide me with complete debt validation.

Under federal law, you are required to provide verifiable proof that : You have legal authority to collect this debt. 
The alleged debt is valid and the correct amount is being claimed. 
You have a chain of custody showing ownership of the debt. 
The original creditors information is provided, including all contracts and agreements bearing my signature. 
You are not violating any state or federal laws, including the FDCPA, the Fair Credit Reporting Act ( FCRA ), and any applicable state consumer protection laws. 

Until you provide this complete validation, you must immediately cease and desist any and all collection efforts, including but not limited to : phone calls, letters, credit reporting, or legal action. 

If you fail to comply with this request within the 30-day validation period, I will have no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Pursue legal action against your agency for violations of the FDCPA, FCRA, and any applicable state laws. 
Seek statutory damages of up to {$1000.00} per FDCPA violation, plus attorney fees, court costs, and punitive damages. 
Let me be clear : failure to comply with federal and state laws will result in swift legal action against your agency. This letter serves as legal notice that I am fully prepared to exercise my rights under the law. 

You are hereby prohibited from contacting me regarding this alleged debt, except for the sole purpose of providing the legally required validation. Any further attempts to collect without validation will be considered harassment and an intentional violation of federal law. 

GOVERN YOURSELVES ACCORDINGLY. 

XXXX XXXXXXXX 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