vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synergetic Communication Inc
State: MS

Complaint narrative:
I have XXXX collections on my report that should no longer appear as per the recently passed law regarding XXXX XXXX no longer appearing on credit reports. It appears on my XXXX as well as XXXX. I also have a collection account that I have fully paid off that is still showing on my report. I requested it be removed months ago and no changes have been made. The collection name is " XXXX XXXX '' I will post it last. 

XXXX XXXX Pa XXXX Name Syncom Synergetic Communicati Date Assigned XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$660.00} {$660.00} Current Balance {$730.00} {$730.00} Responsibility Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Placed for collection Original Lender XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Share Agency Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$1000.00} {$1000.00} {$1000.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Paid Payment after charge off/collection Paid account/was a collection account , insurance claim or government claim or was terminated for default Comments Account previously in dispute - now resolved by data furnisher Dispute resolved reported by XXXX Account Previously In Dispute - Now Resolved - Reported By XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
please see letter attached- I am requesting that the FTC assist in investigating this matter and help ensure that the fraudulent accounts and inquiries are removed from my credit report. I am deeply concerned about the unauthorized use of my personal information and the impact this is having on my credit .I did not authorize any of these inquiries, and I am concerned that my personal information has been compromised. I kindly request that an investigation be conducted to address these unauthorized inquiries, and I would appreciate any assistance in resolving this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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:
please see letter attached- I am requesting that the FTC assist in investigating this matter and help ensure that the fraudulent accounts and inquiries are removed from my credit report. I am deeply concerned about the unauthorized use of my personal information and the impact this is having on my credit .I did not authorize any of these inquiries, and I am concerned that my personal information has been compromised. I kindly request that an investigation be conducted to address these unauthorized inquiries, and I would appreciate any assistance in resolving this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
Equifax is in violation the Fair Credit Reporting Act ( FCRA ) by knowingly reporting a collection on my credit report that is not mine. I submitted paperwork showing the collection by XXXX XXXX XXXX XXXX is incorrect and does not belong to me. In addition, XXXX XXXX XXXX notified Equifax on XX/XX/year> of the fact they had a " mix-up '' and the collection doesnt belong to me. Equifax is still erroneously reporting the collection despite evidence to the contrary in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-03-21 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: VA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-03-21 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: IN

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 2025-03-21 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:
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 explanation
Consumer complaint received 2025-03-21 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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 writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
had some unauthorized transactions in my account with no way to dispute them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Financial Assistance Inc
State: MS

Complaint narrative:
I have XXXX collections on my report that should no longer appear as per the recently passed law regarding medical collections no longer appearing on credit reports. It appears on my XXXX as well as XXXX. I also have a collection account that I have fully paid off that is still showing on my report. I requested it be removed months ago and no changes have been made. The collection name is " XXXX XXXX '' I will post it last. 

XXXXXXXX XXXX XXXX XXXXXXXX Name XXXX XXXX  XXXX Date Assigned XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$660.00} {$660.00} Current Balance {$730.00} {$730.00} Responsibility Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Placed for collection Original Lender XXXX XXXX XXXX Share XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Share Agency Name XXXX XXXX XXXX XXXX XXXX  Date Assigned XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Original Balance {$1000.00} {$1000.00} {$1000.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Paid Payment after charge off/collection Paid account/was a collection account , insurance claim or government claim or was terminated for default Comments Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Account Previously In Dispute - Now Resolved - Reported By Subscriber

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding an account reported by XXXX XXXX ( Account # XXXX ) that has been improperly placed on my credit report. This collection is in reference to an apartment lease that was under my sons name, which I co-signed. 

Throughout the entire lease period, no late payments were ever reported, and no outstanding balances or lease-end fees were communicated to either of us. Additionally, at no point did we receive any notificationwritten or otherwisethat there was a balance due or that the account would be sent to collections. 

This reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The collection was added without proper notice, verification, or opportunity to dispute, and it is materially inaccurate. 

I am formally requesting that this account be immediately deleted from my credit report and that this matter be investigated thoroughly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Every man nth for the past year, I set m settings to paperless billing for XXXX credit card accounts. I keep receiving paper statements mailed to my home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Bankruptcy Reference # : XXXX XXXX  XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Someone needs to shut cash app down as they are still acting and doing illegal things. The customer service hasn't been improved by no means if you look at the bbb website cash app is still doing illegal things like disputing fraud transcations I just had a customer service rep on chat tell me that the system will not allow you to add a debit card not in your name on your account but they did on mine in XX/XX/year> so cash app needs to refund my money because the system shouldn't have allowed it. This is common sense no one should been able to add a debit card not in their name on their account this is allowing fraud. Cash app knew what they were doing the whole entire time. Cash app allowed it they should be reporting it to the police if they didn't allow it we wouldn't be here. I want my money back in my account I continue to make complaints until that happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

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 2025-03-21 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: VA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: SC

Complaint narrative:
I have a checking account with Cashapp. Back in XXXX, I received a check for {$300.00} from XXXX for assistance after XXXX XXXX. I attempted to deposit the check through the app and it did not successfully deposit, and the funds were never deposited to my account. I ended up depositing the check into my XXXX account which was successful. On XX/XX/year> I logged into my Cashapp account to see my account was {$300.00} dollars in the negative. I contacted support to find out what happened to my account and was told the check I attempted to deposit in XXXX was returned. This makes absolutely no sense because the check was never deposited to this account. I explained this and was told over and over that I need to contact the check issuer and was told Cashapp has no further information to give me. I contacted XXXX and explained the situation and was told I need to have Cashapp provide information about the alleged transaction. I contacted Cashapp once again to ask for documentation and was told they dont have documentation and once again was told they can not provide me with any further information. I have requested multiple times to escalate the issue to management and was initially told again that I need to contact the check issuer. I advised I have documentation showing this check was deposited to XXXX, not Cashapp and asked where I can send this documentation so they can see this is an error and there is no reason why this should have occurred. I received a response back saying my case has been thoroughly investigated and they are closing the case and they are sorry that I do not agree with the outcome and still maintain refusal to provide any evidence of what they are claiming. I believe I have done everything in my power to get this resolved with them and I am not receiving any support from Cashapp whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: GA

Complaint narrative:
Equifax is in violation the Fair Credit Reporting Act ( FCRA ) by knowingly reporting a collection on my credit report that is not mine. I submitted paperwork showing the collection by XXXX XXXX XXXX XXXX is incorrect and does not belong to me. In addition, XXXX XXXX XXXX notified Equifax on XX/XX/year> of the fact they had a " mix-up '' and the collection doesnt belong to me. Equifax is still erroneously reporting the collection despite evidence to the contrary in 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 2025-03-21 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute with Truist bank in regards to charges on my account that I did not authorized or recognized at all after waiting days for the charges to post i then file a dispute for the unauthorized charges an my dispute was denied because no error howl when I never recived the physical debit card at all I made a report call immediately when I seen the transactions etc nothing Truist denied my claim an I know for a fact money was stolen from me this bank does not care about there customers how u close a dispute without proof it was me they were saying that the card was present I never recived my physical card I also let the know I do rent out room an not sure if a previous roomate had taken my card or not I was not sure I knew u didnt do it an I want 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