vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: PA

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 2025-02-17 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: KY

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 602 A. 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 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-02-17 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$9000.00} XX/XX/year> 15 U.S.C, 1681section 602 A. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I my phone and wallet was stolen and my account was used without my knowledge and cashapp will not let me dispute or even talk to a real person or anyone for the matter. this should not be possible when it's dealing with personal finace they control. i should be able to speak to a person and have this taken care of but they have no way of talking to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Have been attempting to login to my Transunion account for several weeks in order to unfreeze my credit, but the website is telling me to contact Transunion themselves so I can update my phone number with them. Upon calling, I am unable to actually reach anyone and am just told by the automated service that they can not find my information.

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 2025-02-18 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: OH

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I recently reviewed my credit file and discovered the following inquiries that I did not authorize : XXXX XXXX via Dealer XX/XX/year> XXXX  XXXX via Dealer XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681b ), companies are required to obtain express written consent before initiating a hard inquiry on a consumers credit report. I did not grant permission for these inquiries, and I request their immediate removal from my credit report. 

Please consider this letter as my formal dispute. I kindly ask that you investigate this matter and provide documentation proving my authorization. If you are unable to verify my consent, I request that these inquiries be deleted from my credit file promptly. 

Attached, you will find a copy of my identification and a recent copy of my credit report highlighting the disputed inquiries. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Respectfully XXXX XXXX UCC-1-308 Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
Subject : Dispute of Incorrect Late Payment Reports Request for Resolution To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of late payments on my credit report by SouthState Bank for two accounts. The reported late payments are incorrect, and I have taken steps to resolve this issue with a customer service representative, who acknowledged the error and assured me that it would be corrected. However, these inaccuracies remain on my credit report. 

The details of the accounts in question are as follows : Account Number : XXXX ( Secured Card ) Date Opened : XX/XX/XXXX Account Status : Closed Reported Late Payments : XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ) Dispute : These payments were made on time, and I was informed by a representative that the account should reflect " Paid as Agreed '' when closed. 

Account Number : XXXX ( Secured Loan ) Date Opened : XX/XX/XXXX Account Status : Closed Reported Late Payment : XX/XX/XXXX ( 60 days late ) Dispute : This payment was not late, and I request that this error be corrected immediately. 

I initially contacted SouthState Bank regarding these discrepancies and was informed that they had recognized the reporting error. I was further assured that once the accounts were paid/closed, the status would reflect all payments as " Paid as Agreed. '' However, these inaccuracies remain on my credit file, and they are negatively impacting my credit history. 

I respectfully request that SouthState Bank take immediate action to correct this misinformation and update my credit report with the correct payment history. Additionally, I ask that a written confirmation be provided once these corrections are made. 

Please address this matter as soon as possible, as the inaccurate reporting is unjustly affecting my financial standing. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: EQUIFAX, INC.
State: KY

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 602 A. 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 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-18 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) .Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-17 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: LA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: PA

Complaint narrative:
Real Time Resolutions has been repeatedly calling me about debt collection. They have my name and phone number. I do not owe any debt besides college related loans/payments.

I do not have a credit card, or anything that would result in debt besides student loans. These loans would be tied with my school, and RTR would have no grounds for collecting it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
My credit information was exposed in the credit 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 explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
My credit information was exposed in the credit data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Since XX/XX/year> last year, I sought assistance from XXXX via telephone for what apparently was a bigger problem with identity theft/global hackers & viruses affecting my PC login to my XXXX XXXX. Technician ( XXXX XXXXXXXX XXXX XXXX XXXX ), confirmed the problem and suggested checking all my financial accounts in all my banks for tampering. I found none at that time. Technican, then stated there was much network work to be done and recomended I work with my bank ( Wells Fargo ) to further check for illegal transactions. Further to explain to banker ( XXXX XXXX ) my XXXX XXXX problem and request their assistance in securing all my assets to a safe location. Banker actually found a couple financial tillegal transactions and initiated a stop to them. While technician began work on my network Banker began assisting me moving all my assets to a " secure wallet '' she created for this purpose. This action appeared odd as this work- she directed me to withdrawing ALL asset to cash! then relocate via courier to undisclosed location? Not know how this is done I continued to work with this banker, who I trusted an hope she was doing this all legally and correct. ( Being she's an employee of Wells Fargo Fraud Unit ) Moving enormous amount ot cash was overwhelming and tedious! She had insisted we had to also me several large withdrawal from my XXXX XXXX account inorder to test the network! ) very odd! The network job took several weeks & months to complete as the technician had many problems installing the fixes and configurations ( this seemed odd to me! ), then he had problems configuring the firewall too, many weeks and months to complete this too, again! To shorten this long story, now with the network finally clear, and the " secure wallet '' in place with my assets contents : {$820000.00}! I was told by XXXX XXXX the banker ) that in order for them to grant me access to my secure wallet now, we will neet to withdraw {$170000.00}?? in order to comply with the " clearance '' number of cash the wallet was configured with? I found this to be overly preposterous! and refused to continue playing their game. XXXX is now flat-out refusing her assisting me to attain access to my funds in the secure wallet!! This better sounds like like a scam! All from a Wells Fargo Fraud Unit employee!!?? Please help me with this apparent fraud and possible scam. All I ever intended was assistance with my Identity theft problem and to safeguard my assets from a compromised XXXX network. For all I know this banker may be associated with this possibly fraud XXXX XXXX that worked on the network. Please help resolve this set of inconsistancies. Let me know if I can provide any further information. 
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 2025-02-17 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: Regional Management Corporation
State: NC

Complaint narrative:
At some point, my personal information was stolen and used fraudulently, leading to unauthorized accounts and transactions appearing on my credit report. As a result, my credit score has been severely impacted, making it extremely difficult for me to obtain loans, credit cards, or any other financial assistance. 

I have repeatedly contacted the credit bureaus to dispute these fraudulent accounts, providing them with all the necessary information and documentation to prove that I did not authorize these transactions. Despite my efforts, they have refused to remove these items from my credit report, leaving me trapped in a situation where my financial stability continues to suffer. 

This fraudulent activity has not only affected my credit but has also caused immense hardship for my family. I have been unable to access the financial resources needed to support my household, and my ability to build and maintain good credit has been unfairly compromised. 

I am seeking the CFPBs help to intervene in this matter, ensuring that the fraudulent items are properly investigated and removed from my credit report so that I can restore my financial standing and move forward without these unjust obstacles. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation