vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Disputed cfpb XX/XX/XXXX Experian : XXXX XXXX {$8300.00} Account info. 
Date open XX/XX/XXXX Account # XXXX XXXX  XXXX XXXX XXXX {$1300.00} Account info. 
Date open XX/XX/XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX {$10000.00} Account info. 
Date open XX/XX/XXXX Account # XXXX XXXX  XXXX XXXX {$12000.00} Account info. 
Date open XX/XX/XXXX Account # XXXX XXXX XXXX XXXX {$20000.00} Account info. 
Date open XX/XX/XXXX account # 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 2025-03-16 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: PA

Complaint narrative:
I am a victim please block these 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 2025-03-16 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: CA

Complaint narrative:
I am writing to formally dispute the re-insertion of fraudulent accounts that were previously removed from my credit report. These accounts were originally disputed and deleted after I provided sufficient evidence that they were the result of identity theft. However, I recently discovered that they have been re-inserted into my credit report without proper notification. 

The fraudulent accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : Various ( from XX/XX/XXXX to XX/XX/XXXX ) FTC Identity Theft Report Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if a previously deleted item is reinserted, the credit bureau must : 1. Notify me in writing within five ( 5 ) business days of the re-insertion.

2. Provide the source of the information that led to the re-insertion.

3. Ensure that the information is verified and accurate before reinstating it.

I have not received any such notification, which is a direct violation of FCRA regulations. Furthermore, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), using my personal information for fraudulent purposes is a federal crime. I have taken all necessary legal actions, including filing a fraud alert under the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681c-1 ] and reporting this identity theft to the Federal Trade Commission ( FTC ).

I Demand the Following Actions Immediately : 1. Permanent removal of the fraudulent accounts from my credit report.

2. A written confirmation that these accounts have been deleted and will not be reinserted.

3. The name and contact details of the entity that requested the re-insertion of these fraudulent accounts.

4. Evidence proving the legitimacy of the accounts, or an admission that they were added back in error.

If the fraudulent accounts are not permanently removed, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for non-compliance with the FCRA. Additionally, I may pursue legal action for statutory damages under 15 U.S.C. 1681n, which allows penalties for willful non-compliance.

Please consider this letter as formal notice to rectify this violation immediately. I expect a written response within 15 days as required by law.

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 2025-03-16 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: Kikoff Inc.
State: FL

Complaint narrative:
upon reviewing my consumer reports, I discovered some issues where late payments on an account which I always maintained timely payments. consumer reporting agencies play a role in accurately reporting consumer information I have never missed a payment for the following account ( KIKOFF LENDING LLC ) ACCT # XXXX I request a investigation in to these issues & urge you to provide evidence such a statements demonstrating lateness of these payments if unable to provide proof I demand that these payments be promptly updated to reflect there true status as on time or simply removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX  opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 an 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 act has cause significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I was charged a debt collection that I did not commit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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:
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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX - XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express closed my 3 credit cards with ridiculous reasons. And never issued my full refund of annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-03-16 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 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: MI

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate/Unverifiable Information Violation of FCRA 15 U.S.C. 1681i ( 5 ) ( A ) To Whom It May Concern, This letter serves as a formal demand for the immediate deletion of inaccurate, incomplete, or unverifiable information from my credit report in accordance with 15 U.S.C. 1681i ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).

I previously disputed incorrect and inaccurate info on my report and requested a proper reinvestigation. As per the law, if any disputed item is found to be inaccurate, incomplete, or can not be verified, it must be deleted from my file. Yet, to my knowledge, these erroneous entries remain on my credit report.

PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER:XXXX  XXXX. MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX. MY ONLY EMPLOYER IS : UPS I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Failure to comply with the FCRA is a direct violation of federal law. You are now on formal notice that if these disputed items are not permanently deleted immediately, I will have no choice but to escalate this matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursuing legal action for willful noncompliance, which carries statutory damages of up to {$1000.00} per violation, along with punitive damages and attorney fees under 15 U.S.C. 1681n.

Holding you liable for any financial harm caused by your failure to uphold your legal obligations.

This is your final notice. I demand written confirmation that the disputed information has been deleted from my credit report within 15 days of receiving this letter. If you fail to comply, I will take all necessary legal action without further warning.

You have been warned. Govern yourselves accordingly.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently applied for an apartment and the company that issued the report included a statement " highly probable that the social security number belongs to someone else '' which is very damaging to my image. I inquired with them ( XXXX ), they responded that they got that information from Experian. I tried contacting Experian but they don't answer phone call nor do they have a venue to communicate with them on their website. Please help me get that statement removed. I have nothing in the report that suggests identity theft. 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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WY

Complaint narrative:
I accessed my free annual credit report through XXXX. Upon reviewing my report, I discovered multiple serious inaccuracies that are negatively impacting my credit score. However, when I attempted to download the full report to dispute these errors, Equifax blocked my access, stating I had already received my " one free report '' which is untrue. Now, I am locked out and unable to verify or dispute false information damaging my credit history, including : - Incorrectly reported late payments - False reporting of a bank account as closed when it is active - Wrong address and employer information - Failure to update recent credit card payments I have attempted to resolve this issue directly with Equifax but can not access my report again. This violates my rights under the Fair Credit Reporting Act ( FCRA ). I request CFPB intervention to ensure I regain access to my credit report and that Equifax promptly corrects these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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:
I have unauthorized Inquiries and credit cards on my account that I did NOT allow I reported it to the FTC and would like them removed from the 3 credit bureaus on my credit report, being that I am a victim of Identity theft

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 2025-03-16 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: FL

Complaint narrative:
Subject : Dispute of Account XXXX Bank ( XXXX ) Dear TransUnion, I am disputing an account reported by XXXX Bank ( Account Number : XXXX ) on my credit report. This account is inaccurate and related to trafficking activity. I request that it be removed immediately. 

As required by the Fair Credit Reporting Act ( FCRA ), please investigate this matter and delete the account if it can not be verified. 

Enclosed are copies of my ID, a utility bill for address verification, and supporting documentation regarding this issue.

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 2025-03-16 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:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
In XXXX I needed emergency dental care. My dentist advised a payment plan could be set up but only with a CareCredit Card. I made one purchase on the card for just over six thousand dollars. I started making payments on the card. After several months I received a letter indicating my interest rate would be increasing on any future purchases. It was already extremely high. I called and complained that this was unexpected since now the rate was going to be nearly 30 % but decided I would not use the card again. In XXXX of XXXX Care Credit advised I had applied under a promotional offer that was expiring and they tacked XXXX in interest onto my card. Now the card is overdrawn and I own over XXXX. I called and was told there is nothing they can do but if I had paid the card off in full within 30 days of the offer expiring they could help. There was no indication I was applying for a promotion when I got the card. I took out another card with much lower interest from another company and attempted to transfer the balance but CareCredit blocked the transaction and advised that if I wanted to do that, I had to do it with another one of their cards. This is a card utilized for medical issues and this is criminal behavior. There was no indication the card was a promotion or that this sort of unfair practice could be expected. Consumers should be allowed to pay off the card in anyway they wish since it is our debt. Medical providers need to be warned that they are setting their patients up to be scammed.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX  at ( XXXX ) XXXX has reported a charge-off XX/XX/year> to me with an unknown account number ending XXXX They did not provide me with a 1099C for any type of charge off. This is fraudulent!!! This needs to be removed from my credit report. This is an income loss to XXXX XXXX  but this not income to me and their reporting is incorrect. XXXX XXXX  needs to also provide a letter on company letter head showing there is no balance or business they have with my associated credit!!!

Company response to consumer: Closed with explanation