vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX would not tell me or if i sent it wrong i would not get my money back

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 2025-03-17 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX Email : XXXX Phone : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX Incorrect and Continuous Charge-Off Reporting and Improper Re-aging of Debt Dear Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX XXXX , am writing to formally file a complaint against XXXX XXXX  regarding inaccurate and unlawful credit reporting practices involving my credit account ( number ending in XXXX ). 

XXXX XXXX has reported this account as continuously charged off for an extended period, month after month, which constitutes inaccurate reporting. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported onceat the original date the creditor declares the debt uncollectible. However, XXXX XXXX has consistently reported this as a recurring charge-off each month, unfairly and inaccurately extending the negative impact on my credit history. 

Further, XXXX XXXX reestablished the debt on my credit report with a balance date changed from the original charge-off date of XX/XX/XXXX to XX/XX/XXXX. This is unlawful re-aging of debt, a direct violation of the FCRA, designed to extend the period the negative item remains on my credit report. 

Additionally, Experian has failed to properly investigate and rectify this incorrect information despite previous disputes. 

I respectfully request the CFPB conduct a formal investigation into these practices by XXXX XXXX and Experian, ensure immediate correction of these inaccuracies, and compel both parties to comply fully with federal credit reporting standards. Please provide written confirmation of the corrective actions taken. 

Thank you for addressing this serious matter. 

Sincerely, 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 2025-03-17 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: CA

Complaint narrative:
Subject : Request for Removal of Inaccurate Information from My Credit Profile Dear Sir/Madam , I am writing to formally dispute certain inaccurate or potentially fraudulent information appearing on my credit report, which I believe violates my rights under several federal statutes, including 15 USC 6802 ( Gramm-Leach-Bliley Act ), 15 USC 1681b ( Fair Credit Reporting Act ), and 18 USC 1028A ( Identity Theft and Fraud ). I am requesting the immediate investigation and removal of such information from my credit profile. 

The entries I am disputing include, but are not limited to, the following accounts : Account # XXXX : Creditor Name : XXXX XXXXXXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXXXXXX Account # XXXX : Creditor Name XXXX XXXX Account # XXXX : Creditor Name : XXXX  Account # XXXX : Creditor Name : XXXXXXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX  Account # XXXX : Creditor Name : XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX XXXX XXXX Account # XXXX : Creditor Name : XXXX XXXX Inquiry # XXXX : XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX XXXX Inquiry # XXXX XXXX XXXX As provided by 15 USC 6802 ( The Gramm-Leach-Bliley Act ), I am entitled to request that my personal financial information is maintained and reported accurately. This includes ensuring that any errors or unauthorized entries are promptly corrected.

Further, under 15 USC 1681b ( The Fair Credit Reporting Act ), I have the right to dispute any information that I believe to be inaccurate, incomplete, or outdated. I request that you verify the accuracy of these entries and provide proof of their legitimacy. If the information can not be verified, I request that it be immediately removed from my credit profile.

Additionally, 18 USC 1028A criminalizes identity theft and fraudulent activities. Should any of the entries above be a result of fraudulent actions or identity theft, I expect these entries to be corrected and removed from my credit report as mandated by law.

Please conduct a thorough investigation into these discrepancies and, upon confirmation of any inaccuracies or fraud, remove these items from my credit report. I respectfully request a written response to confirm the outcome of your investigation and the steps you have taken to resolve this matter. 

If any further information is required to facilitate your investigation, feel free to contact me XXXX via email XXXX. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase through PayPal using my XXXX XXXX XXXX XXXX card ending in XXXX, expiring in XXXX. The initial authorization fee of {$240.00} USD was successfully charged to this card ( Transaction ID XXXX ). However, PayPal subsequently charged the full transaction amount of {$13000.00} USD to my other XXXX XXXX XXXX XXXX card, ending in XXXX, expiring in XXXX, without my authorization ( Transaction ID XXXX ). 

I have contacted PayPal multiple times requesting they reverse the unauthorized charge and process the payment using the correct card. I have provided evidence, including screenshots of the billing agreement with the merchant ( ACI Payments, Billing Agreement ID : XXXX ), which confirms the correct card was set for autopay. ACI Payments has also confirmed they have no control over the payment method selection within PayPal. 
Despite this, PayPal has refused to correct the error and continues to insist the merchant is responsible. The PayPal Case ID is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-17 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused XXXX XXXX and XXXX XXXX As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I previously complained about XXXX XXXX illegal refusal to update my legal name in case number XXXX. They never did. 

Since then my broke and computer broke around the same time. My computer had all my stored passwords encrypted which I still can not access while my phone had is needed for XXXX. As a result I have been locked out of all of my accounts. 

The fact that chase STILL uses the wrong name on my account makes it especially difficult to regain access to my account to pay with them which has forced me to seek outside help with another company. 

I only just recently regained access to the email associated with the account, but just this morning I received an email saying that my email was changed per my request. I never made such a request. The email instructs me to call them if I didn't make the request. I can't because I don't have a working phone. I also can't login and I can't email them because it's a no-reply email. They did not disclose to me in the email what they changed it to unfortunately. If you read the attached email you can clearly see that they provide no way to fix this without a working phone. 

In short, they not only continue to refuse to comply with XXXX  laws, they refuse to give me access to my own account and for whatever reason gave someone else access to my account. Since I can not directly communicate with them this is my only route to put a stop to it. 

I am attaching to this complaint the email they sent me this morning as well as the legal documentation of the name change to prove my identity. If anyone ever calls and claims to be the old name that is by definition a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Second Request for XXXX XXXX XXXX XXXX Non-Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to follow up on my previous letter dated XX/XX/XXXX in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments XXXX XXXX XXXXXXXX - XXXX - I was never late on this at all.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

As stated in my previous correspondence, according to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX  days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Moreover, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

Furthermore, under the FCRA, articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXX XXXX requirements. 

The non-compliance with these regulations has resulted in the appearance of late payments on my credit report, which has adversely affected my XXXX XXXX. This situation is a violation of my rights under the FCRA. 

I formally request a reinvestigation of my dispute and correction of any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XX/XX/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 2025-03-17 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, which violate 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 2025-03-17 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: NV

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-17 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I recently discovered an alarming entry on my credit report indicating that an Affirm account has been opened in my name. However, I have never applied for or authorized any Affirm account. It's puzzling to me how this could have happened, and I am concerned about the negative impact it may have on my credit score. This situation leaves me feeling frustrated and anxious as I seek to understand how such a discrepancy could occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within XXXX  days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

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 2025-03-17 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: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented XXXX failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by XXXX negligence. 

The following accounts require immediate review and correction : XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX - XXXX - {$150.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within XXXX  days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date XXXX. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 2025-03-17 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: Experian Information Solutions Inc.
State: GA

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 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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
Consumer complaint received 2025-03-17 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: GA

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation