vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: IN

Complaint narrative:
In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. XXXX XXXX XXXX section XXXX A states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX, it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX. XXXX XXXX ock. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-31 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
I recently reviewed my credit report and I noticed late payments posted on my credit report from the following account : XXXX XXXX XXXX Experian is in clear violation of the law. Under 15 USC 168ib - Permissible purpose of a consumer report, the law clearly states : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instruction to furnish this account on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681 s 3, ( i ) any report containing information solely as a transactions or experiences between the consumer and the person making the report ; Therefore, late payments should not be on my consumer report.

Delete the above account from my consumer report, as this agency is in violation of 15 USC 1681.

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 2025-01-31 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 recently reviewed my credit report and I noticed late payments posted on my credit report from the following account : XXXX XXXX XXXX Experian is in clear violation of the law. Under 15 USC 168ib - Permissible purpose of a consumer report, the law clearly states : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instruction to furnish this account on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681 s 3, ( i ) any report containing information solely as a transactions or experiences between the consumer and the person making the report ; Therefore, late payments should not be on my consumer report.

Delete the above account from my consumer report, as this agency is in violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-01-31 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: NJ

Complaint narrative:
I am submitting a formal dispute regarding fraudulent accounts that were opened in my name with XXXX XXXX XXXX and XXXX, which have not been removed from my credit reports despite both companies confirming in writing that they would delete them. Both, the XXXX and XXXX account has been falsely listed as a collections account, further damaging my credit profile. 

Details of the Dispute : Fraudulent Account # XXXX : XXXX XXXX XXXX ( Now Listed in Collections ) Fraudulent Account # XXXX : XXXX ( Now Listed in Collections ) Issue : I reported the fraud, and both companies investigated the matter and sent me written confirmation stating that they would remove the accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: PA

Complaint narrative:
This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies remained. Given this problem, I request a thorough review of the documents Ive submitted so that I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report Dear Dispute Department, I am writing to formally dispute inaccurate and incomplete information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am disputing the reporting of the XXXX XXXX account ( Account Number : XXXX ), which is incorrectly listed on my credit report. 
Upon reviewing my credit report, I noticed the following discrepancies : Incorrect Delinquency Reporting : The payment history for XX/XX/XXXX indicates that the account was 30 days past due, which I dispute as inaccurate. I request verification of this information, including original payment records, or that it be corrected or deleted. 

I also noticed inconsistent Status Update : The account is marked as Paid, Closed as of XX/XX/XXXX, yet there is still a negative remark from XX/XX/XXXX. If the account was closed in good standing, any derogatory marks should be reevaluated for accuracy. 
Under 15 U.S.C. 1681i ( a ) of the FCRA, " Credit Agency '' is required to conduct a thorough and proper investigation of any disputed information. 

If you can not verify the accuracy of the reported late payment with supporting documentation from XXXX XXXX, this information must be removed from my credit file immediately. 

Please complete this investigation within the 30-day timeframe as mandated by the FCRA. Additionally, I request a written response detailing the outcome of your investigation and an updated copy of my credit report once this matter is resolved. If any changes are made, please notify any other credit bureaus to which you have reported this information. 

Enclosed, I have attached a copy of my credit report highlighting the disputed account, along with copies of any supporting documents ( if applicable ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation of receipt and a resolution of this dispute. You may contact me at the information provided above if additional details are needed. 

Sincerely, 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 2025-01-31 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Caine Weiner for inaccurate and misleading reporting of an account on my credit report. The account referenced above is being reported with errors that I have repeatedly disputed, but no resolution has been provided to date. Caine Weiner is reporting an account on my credit report, which contains inaccurate information regarding payment history. Despite my efforts to resolve the discrepancies, they have not corrected the errors. I have sent multiple written disputes regarding these inaccuracies, but I have not received a timely or adequate response. The failure to address these disputes has resulted in continued negative impacts on my credit score. The ongoing inaccuracies and lack of timely resolution may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors and collectors to investigate disputes within 30 days and correct any inaccuracies. Caine & Weiner has a history of engaging in illegal business practices, including debt collection without proper licensing and violations of state regulations. I was never notified by the original creditor or this collection agency that this account was sold to a third party, raising serious legal concerns about the legitimacy of their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute two unauthorized hard inquiries that appear on my credit report. Upon reviewing my credit file, I discovered these inquiries, which I did not authorize or provide consent for. As this is my first request for investigation, I expect you to handle this matter in strict adherence to the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
No mention of the {$59.00} annual fee at time of application for card. Just showed up on the first statement and company will not remove.

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 2025-01-31 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: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XXXX {$14000.00} opened on XX/XX/XXXX. I disputed this multiple times as I do not recognize this {$14000.00}. I spoke with a representative named " XXXX '' today, XX/XX/XXXX at approximately XXXX via phone call XXXX requested {$1.00} to further look into the origin of this debt. XXXX also stated that " This sounds like fraud. '' Then I had mentioned how I had also experienced recent fraudulent activity on my personal bank account. I gave XXXX the address in which I temporarily resided at when this charge struck my credit report on XX/XX/XXXX. 

XXXX XXXX XXXX {$1500.00} Also disputed as I do not have ownership of knowledge of this Vance and Huffman LLC {$1000.00} Disputed and not owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC

Complaint narrative:
At the date of XXXX XXXX, 2024 i recieved a letter from you that im in debt against XXXX, that i didnt paid my bill for amount of {$270.00}. I was in USA for XXXX XXXX, so i'm not actually there rn, i came back on XXXX of XXXX. I canceled my plan on XXXX of XXXX which will be included in attachment as a photo. Unfortunately whenever i try to log-in into XXXX application to prove it better even needed to set up a VPN, because im from XXXX XXXX, it tells me, that the phone number doesn't even exist and that im not able to check anything there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cashapp I asked to block a transaction due to scam on XX/XX/year> XXXX on a XXXX dollars transaction when I found out it was a scam nothing happen transaction was not blocked took 7-9 days for transaction to go through

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: MD

Complaint narrative:
Complaint Description : On XXXX XX/XX/year>, I attempted to log into my XXXX XXXX Prepaid Card account and received an error message. I immediately called customer service, and they informed me that my account was flagged for suspicious activity. They requested that I verify my identity using a link they provided. 

On XXXX  XX/XX/XXXX, I completed the identity verification as requested. However, they then told me that was not enough and required additional documents. Between XXXX and XXXX ( XX/XX/XXXX XX/XX/XXXX ), I emailed them multiple official documents in line with their requirements. Despite my compliance, they continued to request more documents. 

On XXXX, XX/XX/XXXX, after I had submitted everything they asked for, XXXX XXXX suddenly informed me that they were closing my account due to too many attempts at verification. This decision was made without any clear explanation or justification, even though I provided all necessary documentation. 

I received my paycheck via direct deposit on XXXX XX/XX/XXXX, and XXXX XXXX is now withholding my funds. When I requested written confirmation of my refund and details on how I would receive my money, they refused to provide anything in writing and continued to give me the runaround. 

Desired Resolution : Immediate written confirmation of my refund and how it will be issued. 
A timeline for when I will receive my check and a tracking number once it is mailed. 
An investigation into their unfair and deceptive banking practices, as they are withholding my funds without valid cause. 

This is an unacceptable banking practice, and I need urgent assistance in getting my money 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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I'm a victim of identity theft. The info listed below appears on my credit report, does not relate to and transaction ( s ) that I had made. It is the result of identity theft. 1 ) XXXX XXXX XXXX # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX These accounts resulted in fraudulent hard inquiries and collections on my consumer FICO report. I demand that the fraudulent items be removed from each of my consumer reports and collections activites related to cease persuant to my rights in the FCRA and FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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:
This a formal request for the immediate removal of an inaccurate account listed on my credit report. I am a victim of Data Breach Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
This a formal request for the immediate removal of an inaccurate account listed on my credit report. I am a victim of Data Breach Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-31 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: NC

Complaint narrative:
RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal 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 2025-01-31 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX CO XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> I don't recognize these accounts

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