vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Credit Bureau Name U.S. DEPARTMENT OF EDUCATION [ XXXX XXXX XXXX ] [ XXXX XXXX, NY, XXXX ] Subject : Dispute of Unauthorized Furnishing and Obtaining of Information under 15 U.S.C. 1681 Dear Sir/Madam, I am writing to formally dispute the furnishing and/or obtaining of my personal information as reported by your bureau, which I believe occurred without my written consent, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681.

To the best of my knowledge, I never provided written authorization to any party to either request or report my personal information to your bureau. As you are aware, the FCRA requires that consumer information is only shared with the written consent of the consumer, or in the event of certain permissible uses outlined in the statute.

Specifically, 15 U.S.C. 1681 ( b ) states that " a consumer reporting agency may issue a consumer report only if the agency has a permissible purpose under section 1681b of this title. '' Furthermore, I have not given consent, nor do I have knowledge of any circumstances in which my information was shared under these permitted conditions.

In light of this, I respectfully request that you investigate this matter thoroughly and remove any and all references to this unauthorized activity from my credit report. Please provide me with the details of any parties that have accessed my information without my consent, and ensure that any erroneous or unauthorized data is corrected or removed from my credit file in accordance with the law.

Please provide written confirmation of the results of your investigation and any actions taken to resolve this dispute.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent account XXXX  on XX/XX/XXXX under the account number XXXX, on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX ( Complaint XXXX XXXXXXXX ), I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit ( Report # XXXX ), proof of address, and Social and government-issued ID.

However, Equifax failed to block the disputed item within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedents, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPB 's XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. Which has resulted in me being a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXXXXXX. I have also included a signed and notarized copy of my Affidavit of Facts and Truth. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX. 
XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX multiple disputes was made on these unknown accounts in the amounts of {$320.00}, {$450.00}, {$100.00}, {$4700.00}, {$8500.00} and {$9900.00}. I also reached out to the companies and all three credit bureaus, Experian, transunion and equifax to have them remove from credit and provide proof of an investigation.

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX multiple disputes was made on these unknown accounts in the amounts of {$320.00}, {$450.00}, {$100.00}, {$4700.00}, {$8500.00} and {$9900.00}. I also reached out to the companies and all three credit bureaus, Experian, transunion and equifax to have them remove from credit and provide proof of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: VA

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-09 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: FL

Complaint narrative:
I am writing to dispute outdated addresses that appear on my credit report. Upon reviewing my report, I noticed that there are addresses listed that are no longer current and are affecting the accuracy of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: MI

Complaint narrative:
This card is not mine I authorized to be added as a user only but its reporting as a joint that I never authorized please have this removed from my credit as it is not my account

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 2025-02-09 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: TX

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Equifax regarding multiple fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft. 
Upon reviewing my credit reports, I discovered several accounts that I did not open or authorize, including : XXXXXXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ) XXXX XXXX XXXX Accounts XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ) Additionally, I found unauthorized hard inquiries from TXXXX 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 and XXXX XXXX XXXX XXXX 
I have already submitted a formal FTC Identity Theft Report ( Report Number : XXXX ). I have attached my FTC Identity Theft Report as supporting documentation. Please take prompt action to resolve this matter and provide a written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
Experian, XXXX and XXXX, herein referred to as CRA 's are required by law to properly investigate and correct any inaccurate information on a person 's credit report. However, the CRA 's have not fulfilled this legal obligation under the Fair Credit Reporting Act ( FCRA ). They have failed to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ), a government agency that oversees consumer protection laws, has filed multiple lawsuits against the CRA 's for violating previous agreements with the CFPB in relation to failure to ensure accurate credit reporting for tenants and has not adequately notified consumers about the outcomes of their disputes. 

These failures align with my personal experience. Despite providing evidence to support my disputes, the CRA 's have neither corrected nor removed the disputed items from my credit report. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action from the CRA 's to remove or amend the disputed accounts from my credit 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 2025-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
XXXX. Company XXXX XXXX XXXX  gave the name of their company but not the NATURE of the reason for their call or reason they wanted sensitive information. After I had to research who they were, I returned the call and informed them that the debt they were trying to collect on would be paid in full by the VA and I had already notified the original creditor. I already have the XXXX  showing it has been paid and they have sent yet ANOTHER attempt to collect on the debt when I know fpr a fact the hospital pulled the bill from them as paid. I know this bc the bill has been paid, a claim has been submitted by the hospital, and the company sent me a collection request 12 days after talking to them and filing complaint to collect a debt, only gave the NAME of their company, AND they told you they never heard from me when they sent out a mailing which is not true because I called them and told them I only had SSDI for income and they asked " So, you are not going to make any payments on this? '' ) I told them then that no I was not making payments since my husband lost his job after a XXXX at work and my SSDI was not even keeping the lights on. but again. they KNEW XXXX was taking care of the bill and STILL keep trying to collect, there is NO bill and my only income is SSDI for XXXX people. THAT BILL IS TAKEN CARE OF.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-02-08 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: IN

Complaint narrative:
My information was exposed in a Data Breach by XXXX XXXX XXXX XXXX XXXX. I have charges on my credit report I don't recognize and ask that they be removed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IN

Complaint narrative:
My information was exposed in a Data Breach by XXXX XXXX XXXX XXXX XXXX. I have charges on my credit report I don't recognize and ask that they be removed. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: WA

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 ( XXXX XXXX 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 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 2025-02-08 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: WA

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 ( XXXX XXXX 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 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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
on XX/XX/year> i mailed a letter stating that there was inaccurate information being reported an my consumer report, an i wont the company to update it with new information delete all old information 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies ( CRAs ) have 30 days to investigate and respond to a consumer dispute.

Its been over 35 days an still has not got a response back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received the Amex gift cards ( 2 cards with total value of {$200.00} ) from my employer. I tried to activate them today ( XXXX XXXX ) through all the methods they provided ( calling their number : XXXX, and going on to their activation website ), but they told me the information I provided was wrong and I failed activating them. 
I also tried to use it at local stores but none of them worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Formal Dispute of Charge-Off Under FCRA & Privacy Rights Dear TransUnion I am writing to formally dispute an inaccurate charge-off appearing on my credit report. The disputed account information is as follows XXXX XXXX  Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this charge-off, as I believe it is inaccurate, unverifiable, or misleading. Please provide evidence validating the legitimacy and accuracy of this charge-off, including original creditor records proving my contractual obligation to this debt.

Furthermore, under 15 U.S.C. 6802, financial institutions are prohibited from disclosing personal financial information without consumer consent. If this charge-off resulted from improper information-sharing practices, I request its immediate removal due to potential violations of my financial privacy rights. 
I request that you complete this investigation within 30 days as required by federal law and provide a written response upon completion. If this charge-off can not be properly verified, I demand its immediate deletion from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ).

Enclosed are copies of my identification, credit report with the disputed item highlighted, and any supporting documents. Please update me on the status of this dispute at your earliest convenience. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report. Upon reviewing my report on XX/XX/XXXX, I noticed that certain accounts contain incomplete and incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy when preparing consumer reports. However, the following accounts are reporting incorrect information : Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX XXXX Closed on XX/XX/XXXX Account Name : XXXX Closed on XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX The specific inaccuracies include : Incorrect open date Incorrect date of last activity Incorrect date of last payment Since these errors may negatively impact my credit profile, I request an immediate investigation and correction of these discrepancies. Please provide me with the results of your investigation in writing. 

Enclosed are copies of relevant documents supporting my dispute. I appreciate your prompt attention to this matter and look forward to your response.

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