vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Under the FCRA, credit inquiries from companies that I did not grant permission to are inaccurate items that must be removed from my credit report. These XXXX unauthorized hard inquiries are a violation of the Fair Debt Collection Practices Act ( FDCPA ) as well. 

I am enclosing supporting documentation highlighting the inquiries I am formally disputing. 
I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report within 30 days, as mandated by the FCRA. Failure to do so may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Please send a written response explaining your actions once the investigation is complete. Let me know if any other information is required from me regarding this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive been frustrated by the presence of inquiries from your company on my credit report that I didnt approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Goodwill  Deletion of Paid Account Account Number : XXXX Dear XXXX, I hope this letter finds you well. I am writing to request the removal of a paid account that is still showing as negative on my credit report despite having been fully paid off. Account Information : Account Name : XXXX XXXX Account Number : XXXX Past Due Balance : {$0.00} ( Paid in Full ) I want to highlight that I have since paid the balance in full. However, the negative mark is still reflected on my credit report and continues to impact my credit score. Throughout my time with your company, I have always made my payments responsibly and have a positive payment history. It is my goal to continue to maintain good credit and improve my financial standing, and I believe removing this negative mark would be an appropriate reflection of my commitment to resolving this account. I am requesting that you kindly consider removing this negative information from my credit report as a gesture of goodwill. As I have paid the balance in full and have demonstrated a responsible payment history, I would greatly appreciate your help in removing this entry from my profile. I understand that the Fair Credit Reporting Act ( FCRA ) provides certain rights for consumers, and I am hopeful that you will consider this request to assist me in maintaining a positive credit history. Please let me know if you need any additional information to process this request. I would greatly appreciate your prompt attention to this matter, and I look forward to your positive response. Thank you for your time and consideration. 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 non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX under account number XXXX, a XXXX  XXXX XXXX  XXXX XXXX XXXX on XXXX of XXXX I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. Further these accounts are now considered in litigation. 


I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the consumer credit accounts, collections and hard inquiries 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies that require immediate correction. 

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within XXXX days from the receipt of this letter. 

Incorrect Information Requiring Correction : XXXX. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX XXXX. 
In accordance with the FCRA, I request that my name be updated to accurately reflect my legal identity. 
XXXX. Address Update : My current residential address is : XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX. 
However, my credit report still reflects outdated and incorrect addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX outdated addresses can lead to identity verification issues and potential fraud risks, I request that all previous addresses be removed and that only my current address be retained. 
Supporting Documentation : To verify the accuracy of my information, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my contact information. 
Legal Basis and Request for Confirmation : According to FCRA XXXX XXXX. XXXX, Experian is required to investigate and correct any inaccurate information within XXXX  days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your 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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, I would like this item immediately investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide the name and business addresses of each individual with whom you verified the above so that I may follow up. Please send a copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
COMPLAINT ID XXXX Response you are re-reporting items previously listed in bankruptcy not deleting just updating I have filed multiple complaints through here as well as directly to Equifax with no resolution. The response stated items that are not reporting so they should be removed including addresses, and accounts because that would suggest unverified. This is willful noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BTH Management
State: NC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/year> my husband purchased a {$200.00} nordstrom gift card at a XXXX store, when I went to make a purchase on XX/XX/year> I was told the gift card was not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was approved for a credit line of {$1600.00}. I did get a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, I was fitted for some partials. When my partials came in, I went back into the office to retrieve them. I noticed the partials didn't fit my mouth the way they should, and it had some discoloration to the upper part. So when I smile, you can see that. The dentist stated she would send them back to get adjusted, as well as make sure they're cleaned up properly. Weeks, months went on, I never heard from them. Meanwhile, I was paying towards my balance. I called the office to find out what's going on with my partials, and I kept getting the run arounds. One lady stated to me that the dentist gave me the partials and was suppose to call me back to get them so she could send them in, which didn't make since. I've called the credit card company over 100 times trying to cancel my order, I've emailed the dentist corporate office asking to cancel my order. This has been an ongoing situation for years, and no one is helping me. My date reported on my credit report has changed to XX/XX/XXXX, when this has been on my credit for about a year now, so I don't understand how that can change. Also, the amount was owed went from {$1400.00} or something like that to {$1900.00}. I have recording of the young lady stating that the dentist did not send off for a new partial. No one from the credit card company is willing to contact me to hear this. Still to this day, I do not have my partial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: 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: IN

Complaint narrative:
Complaint Regarding Unlawful Account Hold and Lack of Transparency by Cash App XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Cash App ( operated by Block , Inc. ) for an unlawful and prolonged hold on my account and their lack of transparency regarding the issue. 

My Cash App account has been frozen for approximately XXXX years since XX/XX/year> to be exact. Cash App claims the hold is due to a XXXX lien notice filed by the XXXX XXXX XXXX XXXX XXXX, XXXX ( address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX ; phone : XXXX ). However, Cash App has failed to provide me with a copy of this XXXX lien notice despite repeated requests. 
I believe the hold on my account is unlawful for the following reasons : pretty sure he can't practice out of new jersey. 

* Lack of Legal Justification : Cash App is holding my funds without a court order or judgment. A XXXX filing is a notice of a claim, not a legal right to seize funds. Cash App has not provided any legal basis for their authority to freeze my account based solely on this notice. 

* Lack of Transparency and Communication : Cash App has been extremely uncooperative. They have refused to provide me with the XXXX lien notice or adequately explain the legal basis for the hold. This lack of transparency is unacceptable.

* Prolonged Freeze : Holding my funds for 2.5 years without proper legal justification and without providing me with information is causing me significant financial hardship. 
I have attempted to resolve this issue with Cash App directly, but they have been unresponsive and unhelpful. I have also contacted the creditor, the XXXX XXXX XXXX XXXX XXXX, XXXX, and am disputing the alleged debt. 

I request that the CFPB investigate this matter. I believe Cash App 's actions violate consumer financial protection laws due to the unlawful hold, lack of transparency, and failure to provide necessary documentation. I am seeking your assistance in obtaining the necessary information from Cash App, resolving this issue, and recovering my funds. 
I have attached copies of the 2 lein holders who that bounce from. I am available to provide further information and documentation as needed. 
Sincerely, Upset Cash app customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint concerning the inaccurate reporting of ( multiple late payments/late payment ) by the creditors/this creditor to ( insert bureau name here ) . According to their records, several payments/a payment are/is falsely reported as late. These/This alleged late payment/s were/was made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

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