vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/year>

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 2025-02-19 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:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-02-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
Once again, I am writing to formally request the removal of the items that I previously asked to be removed from my report. Despite submitting this request several months ago, these items are still being reported on my account. What happened? I have already provided all the necessary details and documentation required to support my request Therefore, I kindly ask that you address this matter promptly again and ensure that the requested changes are made to my report without further delay.anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
In XXXX of XXXX I had my identity 'stolen '/ compromised via a phone call- it involved what we thought was XXXX  XXXX  and ended up with CashApp... they were able to request a withdrawal money from my account- we reported the fraud, our bank was able to refund the withdrawal and block their activity. 
Now - XX/XX/XXXX- I received a 1099B form showing Proceeds from the sale of XXXX  - NO IDEA WHERE THIS CAME FROM - But they do list CashApp as the method for payment/transfer. The letter states it was from : Block , Inc . 
XXXX Square , Inc. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX We have read of other similar SCAMS and wanted to report our version. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Violation of Fair credit privacy act statement : 15 USC 1681 B ( A ) ( 1 ) ( 2 ). 15 USC 1681 A ( 2 ) ( B ) Letter was sent to remove all personal information from there data base which was obtained without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am disputing the validity and accuracy of the debt referenced in your records. I request that you provide full verification, including documentation proving that this debt is legitimately mine, a detailed breakdown of the amount owed, and evidence that you have the legal right to collect it. Additionally, I request validation of the original creditors information, the account agreement bearing my signature, and any records of payments made. If you can not provide this verification, I ask that you cease collection efforts and remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
They called my phone, they are looking for someone else. I asked them to stop calling my phone and told them they had the wrong number. They tried to get me to give them my personal information when I do not even have an account with them. The guy became very argumentative and just kept talking asking me questions so i hung up. I requested a cease and deceasist and they said because I will not give my personal information they could not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
Dear Equifax Dispute Department, I am writing to formally dispute unauthorized credit inquiries and incorrect accounts on my credit report. Under FCRA 611, I request an immediate investigation and removal of the following unauthorized and inaccurate items. 

Unauthorized Hard Inquiries I did not authorize the following companies to access my credit file. These inquiries violate FCRA 604 and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Accounts That Do Not Belong to Me The following accounts do not belong to me. Under FCRA 609, I request their immediate removal : XXXXDOFED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Bankruptcy Account Number : 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 2025-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix this issue directly with them and they are violating my rights and I am entitled to compensation for this violation I have mentioned, they should either pay me or delete this account ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: TX

Complaint narrative:
I have never owed a credit card in my life I cant get one cause of student loans and the other info from address where I never lived

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 2025-02-19 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-02-19 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
THIS IS THE XXXX  FILING OF THIS COMPLAINT BECAUSE THE CFPB CLOSED MY XXXX DISPUTE WITH NO RESOLUTION EFFECTIVELY ENABLING PREDATORY SYNCHRONY BANK TO COMMIT FRAUD AGAINST ME. THE CFPB ABSOLUTELY DESERVES TO BE ABOLISHED. 

ORIGINAL COMPLAINT, STILL UNRESOLVED : I was initially approved for a SYNCHRONY BANK Care Credit account with a {$1200.00} line of credit available. During a medical emergency I used the entire balance, which I immediately brought down to around {$700.00} with my XXXX  payment. After this payment, Care Credit informed me they were now lowering my credit limit TO my balance, effectively destroying my CCU ratio and credit score. For the last XXXX months I have diligently paid more than the minimum amount due each month, only to once again today be told my limit was again being lowered to my current balance, now {$360.00}. I just made a substantially large payment and again, Care Credit has responded with fraudulent and intentional unwarranted retaliation in the form of completely ruining my credit score. I will not be making ANY further payments to this account and will let it default completely if predatory SYNCHRONY BANK doesn't stop this absolutely sick game for no warranted or justified reason.

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 2025-02-19 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:
Equifax, as a credit reporting agency ( CRA ), has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to investigate and remove fraudulent information from my credit file. 

Fraudulent Inquiries in Question : The following inquiries, which I did not authorize, are currently listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These inquiries are not only inaccurate but also harmful to my creditworthiness. I have already waited more than 30 days for resolution, and the continued presence of these fraudulent inquiries on my credit report is causing me significant financial and emotional distress.

Legal Basis for Removal : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, you are required to block and remove information resulting from identity theft, including fraudulent inquiries, within four ( 4 ) business days of receiving. Furthermore, 15 U.S.C. 1681e ( b ) requires Equifax to maintain reasonable procedures to ensure maximum possible accuracy of the information in my credit file.

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that Equifax conduct a reasonable reinvestigation of disputed items within 30 days of receiving a dispute. Since more than 30 days have passed and the fraudulent inquiries remain on my report, Equifax is in violation of the FCRA.

I demand that Equifax : Immediately remove all fraudulent inquiries listed above from my credit report.

Provide written confirmation of the removal within five ( 5 ) business days.

Conduct a thorough investigation into how these fraudulent inquiries were added to my report and provide me with a detailed explanation of your findings.

Failure to comply with this request will result in further action, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal action against Equifax for willful non-compliance with the FCRA, which carries statutory damages of up to {$1000.00} per violation, actual damages, and attorneys fees under 15 U.S.C. 1681n.

Supporting Documentation : To assist in your investigation, I am including the following documentation : A copy of my government-issued ID.

A copy of my Equifax credit report highlighting the fraudulent inquiries.

.

Conclusion : I trust that Equifax will take immediate action to resolve this matter and comply with the FCRA. Please note that I am keeping detailed records of all communications and actions taken regarding this dispute.

You may contact me at [ your phone number ] or [ your email address ] to discuss this matter further. I expect a response within five ( 5 ) business days.

Company response to consumer: Closed with explanation