vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am disputing the inaccurate reporting of the XXXX XXXX XXXX account ( Account # XXXX ) under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This account is listed as charged off and closed, yet it continues to be updated with a balance of {$30000.00} as of XX/XX/year>. This constitutes willful misrepresentation and fraudulent reporting in violation of federal law. 

Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, under 15 U.S.C. 1681b ( f ), unauthorized or deceptive reporting of a debt that has been legally written off is an impermissible use of my consumer report. Since XXXX XXXX XXXX has charged off the account and written off {$27000.00}, it can not lawfully update a balance as if the debt remains actively due. This is an attempt to manipulate my creditworthiness and constitutes continued collection activity on a discharged debt. 

Furthermore, 26 U.S.C. 6050P requires a 1099-C form for cancellation of debt, which I have not received. If the debt was truly charged off, XXXX XXXX XXXX must cease all further reporting. If not, this is a violation of FCRA and FDCPA provisions prohibiting deceptive trade practices. 

I demand the immediate deletion of this account from my credit file. Failure to correct this fraudulent reporting may result in legal action under 15 U.S.C. 1681n for willful noncompliance. Please complete this investigation within 30 days and provide written confirmation of your actions.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
I am disputing the inaccurate reporting of the Exeter Finance LLC account ( Account # XXXX ) under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). This account is listed as charged off and closed, yet it continues to be updated with a balance of {$30000.00} as of XX/XX/year>. This constitutes willful misrepresentation and fraudulent reporting in violation of federal law. 
Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. Additionally, under 15 U.S.C. 1681b ( f ), unauthorized or deceptive reporting of a debt that has been legally written off is an impermissible use of my consumer report. Since Exeter Finance LLC has charged off the account and written off {$27000.00}, it can not lawfully update a balance as if the debt remains actively due. This is an attempt to manipulate my creditworthiness and constitutes continued collection activity on a discharged debt.

Furthermore, 26 U.S.C. 6050P requires a 1099-C form for cancellation of debt, which I have not received. If the debt was truly charged off, Exeter Finance LLC must cease all further reporting. If not, this is a violation of FCRA and FDCPA provisions prohibiting deceptive trade practices.

I demand the immediate deletion of this account from my credit file. Failure to correct this fraudulent reporting may result in legal action under 15 U.S.C. 1681n for willful noncompliance. Please complete this investigation within 30 days and provide written confirmation of your actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: 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. 
XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: OH

Complaint narrative:
Please check the information concerning the equifax and transunion data breach below in attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: LA

Complaint narrative:
I FILED A CEASE AND DESIST ON FINWISE/AFF IN XX/XX/year> AND NOTICED THEY PUT A LATE PAYMENT FOR XXXX ON MY CREDIT REPORT. 

28 USC SECTION 241 REMOVAL IMMEDIATELY OF THIS CODE 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 2025-02-11 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 FILED A CEASE AND DESIST ON XXXX IN XX/XX/year> AND NOTICED THEY PUT A LATE PAYMENT FOR XXXX ON MY CREDIT REPORT. 

28 USC SECTION 241 REMOVAL IMMEDIATELY OF THIS CODE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically, cashapp 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 transactions have caused significant inconvenience and financial hardship and I am seeking appropriate redress for these violations. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: The Receivable Management Services LLC
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2025-02-11 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX BANK XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency , remove the following information account : XXXX XXXXXXXX balance {$5600.00}, XXXX XXXXXXXX account : XXXX balance {$4000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance XXXX XXXX XXXX account : XXXX balance {$2600.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX  XXXX XXXX account XXXX XXXX balance {$16000.00}, XXXX XXXX  account XXXX XXXX balance {$14000.00}, XXXX XXXX account XXXX XXXX balance {$10000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$26000.00}. This is a result of identity theft and fraud, please remove all listed accounts within 4 business days of receiving this complaint. This activity has resulted in several fraudulent accounts appearing on my consumer XXXX credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 
I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, inquiries, collections, appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
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 # XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-11 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-02-11 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX ACCT # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Let me just start off by saying my identity was stolen the ( XXXX XXXX ) of last year so there has been many accounts opened in my name without my permission. When I got notification of these accounts I contacted the merchant Affirm to let them know even provided the police report but they are still claiming I owe these balances and I dont mess with my credit. The thing is they removed one of them with XXXX but they are leaving me responsible for all of the others and I have not purchased anything with credit in years. This is fraudulent and needs to be removed. I will NOT be responsible for a charge I never created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I deposited a check into my savings account and PNC put a hold on it way back in XXXX XXXXand they refuse to release the hold on my account. The check is totally legit and was signed over to me from a friend of mine that is no longer in the state of Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX  # XXXX XX/XX/year> -- {$600.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$120.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$18000.00} XXXX # XXXX XX/XX/year> -- {$530.00}

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 2025-02-11 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: FL

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-02-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Notice of Civil Liability for Negligent Noncompliance 15 U.S.C. 1681o I am writing to formally dispute [ describe the issuee.g., an inaccurate item on your credit report, failure to respond to a dispute, improper disclosure, etc. ]. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) has caused harm, and I am asserting my rights under 15 U.S.C. 1681o regarding civil liability for negligent noncompliance.

According to 15 U.S.C. 1681o, any person or entity that negligently fails to comply with FCRA requirements is liable for : 1. Actual damages sustained as a result of the violation ; and 2. Attorneys fees and court costs, if legal action is required.

You have failed to comply with FCRA in the following ways : e.g., failure to correct an error, improper reporting, failure to investigate a dispute, etc. ] As a result of your negligent noncompliance, I have suffered damages, including [ list damages, such as financial losses, denied credit, emotional distress, etc. ]. 

To resolve this matter, I demand that you, correct an error, delete inaccurate information, provide an explanation, etc. ] within [ reasonable time frame, e.g., 15 days ]. Failure to comply will leave me no choice but to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to recover damages under 15 U.S.C. 1681o.

Please confirm in writing that you have taken the necessary corrective actions. I expect a response by [ specific date ]. If you need further clarification, you may contact me at the information provided above. 

Sincerely, XXXX XXXX This letter asserts your rights and puts the recipient on notice of their potential liability. Be sure to send it via certified mail with a return receipt for proof. Let me know if you need modifications!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: AZ

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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

Company response to consumer: Closed with explanation