vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
In XX/XX/year> my city and my zip code ( XXXX TX XXXX ) were severely impacted by XXXX XXXX. My property was damaged with the roof partially lost, the windows and glasses broken, the electric power lost for multiples days and my electric equipment damaged. To prioritize the safety of my family, we moved to a shelter, filed and were approved for XXXX assistance. At the same time, I contacted our mortgage company XXXX XXXX XXXX ) and filed for Disaster Forbearance which they approved ( see attached correspondence from both XXXX XXXX  and XXXX in XX/XX/year> ). We are still in forbearance while saving to get our house repaired. To my surprise, I recently discovered that the credit bureau is reporting a 30-day late payment for XX/XX/year> while our mortgage was and still to date in forbearance. I contacted XXXX XXXX and the credit bureau and requested that account to be updated to its accurate status either 'IN Forbearance '' or " Paid AS Agreed ''. More than 90 days after my request, the account is still showing a 30-day late payment. This incorrect information has damaged my ability to access credit to repair and return in my house. The credit bureau is blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Gravamen Asset Management Group LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute and Request for Deletion Kessler & Williams XXXX XXXX XXXX ) Collection Dear Consumer Financial Protection Bureau , I am writing to formally dispute a collection account reported by Kessler & Williams ( original creditor : XXXX XXXX XXXX XXXX my credit report. This account, listed as a collection account with a balance of {$770.00}, was last updated on XX/XX/XXXX. I believe this account is inaccurate and unverifiable. 

Per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Full Validation of Debt Kessler & Williams must provide written proof that this debt is legitimate, including the original contract with my signature, a complete payment history, and documentation proving their right to collect.

2. Accuracy Review If any detail ( amount, dates, ownership, etc. ) is incorrect, the account must be immediately removed from my credit report.

3. Compliance with Federal Laws If the creditor can not produce verifiable records within 30 days, this account must be deleted from my credit file. 

If Kessler & Williams fails to validate this debt, I demand that it be removed from all credit bureaus immediately. Failure to comply may result in a formal complaint with the Federal Trade Commission ( FTC ) and legal action.

Please respond within the legally required timeframe. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Block, Inc.
State: NC

Complaint narrative:
I was using Cash app and never could get anyone over the phone when I have the dispute of issues

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit help.

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 2025-02-03 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have an account on my credit report that again As I reported on the previous complaint was done by XXXX XXXX and it was for a XXXX account of {$730.00} that I entered as being reported by XXXX XXXX XXXX but it was XXXX XXXX. This account is being reported by XXXX XXXX XXXX in the amount of {$4400.00} for a period of XXXX months rent at XXXX XXXX apartments where I never lived or applied to and they do not have a lease that I signed. XXXX XXXX stole my information to get an account at XXXX and to rent an apartment and sign a 12 month lease. They are saying the apartment was only used for 12 months and they are reporting {$4400.00}. They reported it as a joint account and I plainly have told them I wasn't even in Alabama at that time and asked to see a lease with my name on it. They don't have XXXX. XXXX XXXX is in XXXX XXXX XXXX awaiting indictment from the grand jury.

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 2025-02-03 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: AL

Complaint narrative:
I have an account on my credit report that again As I reported on the previous complaint was done by XXXX XXXX and it was for a XXXX account of {$730.00} that I entered as being reported by XXXX XXXX XXXX but it was XXXX XXXX. This account is being reported by XXXX XXXX XXXX in the amount of {$4400.00} for a period of XXXX months rent at XXXX XXXX apartments where I never lived or applied to and they do not have a lease that I signed. XXXX XXXX stole my information to get an account at XXXX and to rent an apartment and sign a 12 month lease. They are saying the apartment was only used for 12 months and they are reporting {$4400.00}. They reported it as a joint account and I plainly have told them I wasn't even in Alabama at that time and asked to see a lease with my name on it. They don't have XXXX. XXXX XXXX is in XXXX XXXX XXXX awaiting indictment from the grand jury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: DISCOVER BANK
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

ALLY FINANCIAL XXXX Balance {$8700.00} DISCOVER BANK XXXX Balance {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hollis Cobb Associates
State: MA

Complaint narrative:
Was notified on XX/XX/year> about a collections account with Hollis Cobb Associates. I am not aware of where they got ahold of the account. I am not associated with the company that send them the account, I do not recognize the balance or when the charge was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that a credit inquiry was made by the following listed below. However, I did not authorize these inquiries. Therefore, I am writing to dispute these inquiries and request that they be removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SAFE XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX IMPORTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT UNION XX/XX/XXXX XXXX XX/XX/XXXX 2025

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding identity theft and fraudulent activity on my credit reports. I turned XXXX in XX/XX/XXXX and, upon reviewing my credit reports, I discovered that I am a victim of identity theft. Specifically, I have found XXXX XXXX accounts listed in collections on my credit reports, which I did not open or authorize. Additionally, there are numerous unauthorized inquiries listed on each of my credit reports. 

Details of the Issue : Date of Birth : XX/XX/XXXX Accounts in Collections : XXXX XXXX accounts that I did not open. 
I Unauthorized Inquiries : Several unauthorized inquiries on my credit reports, which I did not consent to or initiate. 

I request that the fraudulent XXXX accounts be removed from my credit report and that the unauthorized inquiries be investigated and cleared from my records. I also request that the credit bureaus and any involved parties take immediate action to correct my credit files to reflect accurate information. 

As a youth in care, I did not have the necessary guidance to protect my personal information, and I need help resolving this matter to ensure that I can move forward with my financial life without the burden of fraud. I am requesting that the CFPB assist in facilitating the removal of the fraudulent accounts and inquiries, and that proper steps be taken to prevent future occurrences of identity theft. 

Please let me know if you require any further information or documentation from my end to support this case. I appreciate your prompt attention to this matter and look forward to its resolution. 

Thank you for your help. 

Sincerely, 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 2025-02-03 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding identity theft and fraudulent activity on my credit reports. I turned XXXX in XX/XX/XXXX and, upon reviewing my credit reports, I discovered that I am a victim of identity theft. Specifically, I have found XXXX XXXX accounts listed in collections on my credit reports, which I did not open or authorize. Additionally, there are numerous unauthorized inquiries listed on each of my credit reports. 

Details of the Issue : Date of Birth : XX/XX/XXXX Accounts in Collections : XXXX XXXX accounts that I did not open. 
I Unauthorized Inquiries : Several unauthorized inquiries on my credit reports, which I did not consent to or initiate. 

I request that the fraudulent XXXX accounts be removed from my credit report and that the unauthorized inquiries be investigated and cleared from my records. I also request that the credit bureaus and any involved parties take immediate action to correct my credit files to reflect accurate information. 

As a youth in care, I did not have the necessary guidance to protect my personal information, and I need help resolving this matter to ensure that I can move forward with my financial life without the burden of fraud. I am requesting that the CFPB assist in facilitating the removal of the fraudulent accounts and inquiries, and that proper steps be taken to prevent future occurrences of identity theft. 

Please let me know if you require any further information or documentation from my end to support this case. I appreciate your prompt attention to this matter and look forward to its resolution. 

Thank you for your help. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : ONEMAIN XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} SUN LNS XXXX XXXX : {$630.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX : {$0.00}

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 2025-02-03 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: DC

Complaint narrative:
I made a previous report to the CFPB about incorrect addresses on my credit report on Experian. I requested that they be removed as I have never lived at said addresses, and they have negatively impacted my XXXX XXXX. On XX/XX/XXXX I viewed my credit report again and found that XXXX of the addresses were still attached to my credit report even though I've never lived there in my life, XXXX being XXXX XXXX XXXX XXXX XXXX, TX XXXX and the other XXXX PR XXXX PL WASHINGTON, DC XXXX XXXX I tried to have them removed from the site, but Experian said that XXXX agencies had listed those addresses as attached to my name. I have been a victim of identity theft since XXXX and I have already submitted my report. I would like to reiterate that I NEVER lived at the above-mentioned addresses!

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 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX at XXXX pm there was a transaction for {$300.00} processed and conmpleted on that date for services not rendered. I tried numerous of time to contact the comapny and get money back startig as soon as 3 days after the transcation when the gooods where never shipped even weeks after and months. I called numerous times inquiring and asking for information. I never recieved the goods and was never able to finalize the final payment as product never shipped. I was hung up on and talked down to in such a disgusting manner that I just decided to dispute the transcation with cash app. After filing the dispute with cash app months later and they denied my request without giving additional information I requested asking why it was denied. I also called when they were open questioning and demanding information. Still to XXXX 2025 I am recieveing dispute updateds and denials and saying I can not appeal the decisions. I have tred to give them documentation showing the charge was for a down payment and that once the producted shipped I was to pay the remainder product never ship and I was never able to get in contact with my specified agent to complete payment when I was infrmed they woud contact me requesting the final payment and this went on for months. I just want my money back and leave it at that. In addition there were transfers of money ot of my account to people I all disputed that they denied or never heard anything back on about the disputes as well as additional unathorized transactions and transfers I have not been able to dispute inreguards to these above issues and not being allowed to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NJ

Complaint narrative:
Pursuant to 15 U.S. Code 16881c2 you are in violation for reporting a fraudulent account on my report. I demand this account to be removed within 4 days of receipt of this letter. 
There are multiple Fraudulent Inquiries on my credit profile that I did not do. Please remove these fraudulent inquiries from my report within 4 business days.

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 2025-02-03 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: NJ

Complaint narrative:
Pursuant to 15 U.S. Code 16881c2 you are in violation for reporting a fraudulent account on my report. I demand this account to be removed within 4 days of receipt of this letter. 
There are multiple Fraudulent Inquiries on my credit profile that I did not do. Please remove these fraudulent inquiries from my report within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: SC

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

Company response to consumer: Closed with explanation