vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when it's clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) If you can't provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation Iof the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate information being reported by Equifax on my credit report. The details of the incorrect information are as follows : Account Name/Number : XXXX Nature of the Inaccuracy : incorrect payment status Date of XXXX I have already attempted to resolve this issue by contacting Equifax directly, but they have failed to correct the errors or provide an adequate resolution. 

Relevant Laws and Rights : The Fair Credit Reporting Act ( FCRA ) provides protections against inaccurate reporting by credit bureaus. Specifically, I believe the credit bureau has violated the following provisions of the FCRA : FCRA Section 1681i ( Reinsertion of Deleted Information ) : This section requires credit bureaus to correct or delete inaccurate information within a reasonable timeframe after being notified by the consumer. If inaccurate information is reinserted into a credit report, the bureau must notify the consumer within five business days.

FCRA Section 1681e ( Accuracy of Information ) : This section mandates that credit reporting agencies ensure the accuracy of the information repo
rted. If they report incorrect information, they must investigate and correct it.

FCRA Section 1681c ( Exclusions from Consumer Reports ) : In certain cases, negative information such as late payments should be removed from a report after a specific period. If this is not adhered to, it may constitute a violation of the FCRA. 
Despite these legal protections, the credit bureau has not corrected the inaccuracies or taken appropriate action to resolve my complaint. I am requesting the CFPB 's assistance in addressing this issue and ensuring that my credit report accurately reflects my financial history. 

Thank you for your attention to this matter. I trust the CFPB will work to ensure that my consumer rights under the Fair Credit Reporting Act are upheld. Please do not hesitate to contact me at XXXX if you require additional information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a credit reporting agency, regarding an unresolved issue with a dispute I submitted. 

On XX/XX/year>, I filed a dispute with TransUnion regarding an inaccurate entry on my credit report. After the dispute was reviewed, TransUnion informed me that the dispute was approved, meaning they acknowledged the information in question was incorrect. However, despite this approval, the inaccurate information was *not* removed from my credit report, and it remains listed as if no action was taken. 

I have made multiple attempts to resolve this matter directly with TransUnion, but the issue persists, and the inaccurate information continues to negatively impact my credit report.

Under the **Fair Credit Reporting Act ( FCRA ) **, specifically Section 611 ( 15 U.S. Code 1681i ), credit reporting agencies are required to investigate disputes within 30 days and promptly correct or delete any information that is found to be inaccurate or incomplete. The FCRA also mandates that any information found to be inaccurate or unverifiable should be removed from the consumer 's credit report. 

Despite this, TransUnion has failed to comply with these legal requirements, and I am seeking assistance from the CFPB in ensuring that my rights under the FCRA are upheld and that the inaccurate information is removed from my credit report without further delay. 

I would appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue as soon as possible.

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 2025-03-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned 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 2025-03-12 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
Personal Statement Under 15 USC 1681c-2c ( a ) The credit report agency must block and remove any alleged pecies of information the customer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

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 explanation
Consumer complaint received 2025-03-12 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I lost my identity a while ago and when I learned about credit and pulled my report I noticed this account that is incorrect and I did not open the account. I would like the account to be removed and updated please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
This is in regard to the amount of {$1000.00}. My husband upgraded his cell phone & got new accessories. When he & I separated I called XXXX to confirm what I would need to do since the account was in my name. I was told on XX/XX/XXXX that I would need to call back with my husband on the phone to transfer responsibility & create his account. We called back the same day. We were not aware of any issues at that time. 
Following XX/XX/XXXX, I spoke to a number of representatives & was transferred to management to get the device & accessories off of my acct & moved to my husband 's account. After XXXX  months of calling & being told that the balance would be transferred, I was told that the balance would need to be forced transferred but would need to be escalated to a higher manager, all the while I was being billed for the monthly fee for the phone & accessories which I paid. I was given a 1-time credit as a courtesy in XXXX. The last conversation I had with the company was on XX/XX/XXXX of XXXX. I assumed the balance was finally transferred until recently, XXXX of XXXX when the balance was put on my XXXX credit report. I take pride in making sure I take care of what I owe but this is not my debt & I was assured that this would be handled. I work in customer service & if I tell a patient/customer that I will do something than I stand by that. It has taken XXXX XXXX years to let me know this was not taken care of, definitely not ok. This is very unprofessional & I hope that the company will honor what was told to me, that I would NOT be responsible for this 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 2025-03-12 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:
Validation of debt sent XX/XX/XXXX XXXX package sent on XX/XX/XXXX Received a message that Experian received something that was not from me, when my address was clearly printed on the documentation along with proof of my identity. These inaccurate accounts that have not been validated and are affecting my reputation and credit. I requested documentation with my wet ink signature which none of the companies have been able to produce. I also did not give my consent to have this inaccurate information posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Validation of debt sent XX/XX/XXXX XXXX package sent on XX/XX/XXXX Received a message that Experian received something that was not from me, when my address was clearly printed on the documentation along with proof of my identity. These inaccurate accounts that have not been validated and are affecting my reputation and credit. I requested documentation with my wet ink signature which none of the companies have been able to produce. I also did not give my consent to have this inaccurate information posted to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$70.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$11000.00} XXXX  XXXX Balance {$3700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$3700.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$70.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$11000.00} XXXX  XXXX Balance {$3700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$3700.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Someone introduced themselves as an XXXX agent and offered me discounted friends and family season passes. I paid them through cashapp and later learned that had been committing credit card fraud and my XXXX  was revoked with no refund or replacement. I disputed the charge on cashapp and submitted evidence and was denied with no explanation. 

I also submitted a dispute through my bank ( XXXX  XXXX XXXX ) that also denied the claim because they said the responsibility was with cashapp to make things right. 

I also reached out to the use that scammed me using a different phone # and they were very rude in response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: AL

Complaint narrative:
I have tried to dispute the XXXX XXXX XXXX account with experian multiple times only for them to not do they're investigation properly or at all. XXXX it has been over 7 years that this has been on my credit file reporting negative charge off settled and paid off all in different times spans it first showed charged off then settled then paid off then back to charged off to reporting in the end back too negative I settled this debt already plus it has aged 7 years and 10 months and is still showing negatively Also I have reported inquires that I reported as fraud from XXXX XXXX, XXXX  XXXX XXXX, and XXXX that are only showing up with them that are not mine that they are reporting things that are incorrect XXXX XXXX has inquiries that are not mine also XXXX XXXX is not mine inquiries

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 2025-03-12 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief