vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at 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  that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX XXXX 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 2025-01-13 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: IL

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 2025-01-13 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute an unauthorized credit inquiry that appears on my credit report. I have reviewed my credit file and have identified an inquiry that was made without my consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit reporting agency is only authorized to include an inquiry on my credit report if I have granted permission for such an inquiry to be made. XXXX XXXX XXXX identified below, was not authorized by me and is therefore in violation of my rights under the FCRA. 

Details of the Unauthorized Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this unauthorized inquiry from my credit report within four ( 4 ) business days, as required by the FCRA. If you fail to do so, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seek legal remedies. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and confirmation that the unauthorized inquiry has been removed from my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute the following information in my credit report, which I believe is inaccurate. I have obtained a copy of my credit report from your agency, and I noticed that la canceled debt that is still listed as outstanding ]. 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 According to IRS Form 1099-C that I received from XXXX, the debt was canceled on XX/XX/year>. I have attached a copy of this form for your reference. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I request that you investigate this matter and correct my credit report to reflect the accurate status of this debt as " canceled. '' Please let me know the outcome of your investigation or if you require any additional information from me to assist in resolving this issue. I appreciate your prompt attention to this matter. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IRS Form 1099-C, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-13 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 explanation
Consumer complaint received 2025-01-13 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-01-13 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: VA

Complaint narrative:
Transunion committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability.

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA.

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 2025-01-13 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:
I am writing to formally dispute information on my credit report resulting from the exposure of my personal information during the XXXX  data breach. Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], I am asserting my rights to block fraudulent information that may have been added to my credit report as a result of this breach.

The compromised information includes but is not limited to [ specific information such as Social Security number, name, address, etc. ]. This breach has placed me at an increased risk of identity theft, which has already resulted in unauthorized accounts or inaccuracies on my credit file. 

Below are the fraudulent/ unauthorized accounts which I have no knowledge of 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 2025-01-13 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:
I am writing to formally dispute information on my credit report resulting from the exposure of my personal information during the Equifax data breach. Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], I am asserting my rights to block fraudulent information that may have been added to my credit report as a result of this breach. 

The compromised information includes but is not limited to [ specific information such as Social Security number, name, address, etc. ]. This breach has placed me at an increased risk of identity theft, which has already resulted in unauthorized accounts or inaccuracies on my credit file. 

Below are the fraudulent/ unauthorized accounts which I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
I am writing to formally request your urgent assistance in addressing critical inaccuracies and unrecognized accounts on my credit report. I have repeatedly disputed the accounts listed as XXXX XXXX XXXX XXXX XXXX  which I do not recognize, and I have taken several steps to resolve this matter. 

In full compliance with the Fair Credit Reporting Act ( FCRA ), I have demanded verifiable evidence of these accounts, specifically the original signed consumer contract. Regrettably, the reporting company has neglected to provide this essential verification or appropriately respond to my valid concerns. 

To substantiate my dispute, I have submitted comprehensive documentation, including an FTC report, an affidavit of dispute stating my intention to pursue legal action, proof of identity, my Social Security card, and a marked-up copy of my credit report highlighting the disputed items. 

The presence of these unverified accounts on my report is not only inaccurate but is also causing me significant emotional distress and financial harm. I urgently implore you to take immediate action to rectify this situation and ensure that my credit report reflects only accurate and verifiable information. Thank you for your prompt attention to this serious matter. I look forward to your swift and favorable response.

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 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding unauthorized access to my Cash App account and the subsequent failure of Cash App, operated by Block , Inc., to resolve the matter appropriately. 

On XXXX XXXX XXXX XXXX XXXX XXXX, I discovered that my phone number and email address were unlinked from my Cash App account without my authorization. My Cash App username was also changed, and the account was accessed without my consent. The unauthorized party attempted to withdraw funds from my linked card and used my account to purchase Bitcoin. 

I immediately contacted Cash App support to report the unauthorized activity and requested an investigation. After reviewing the matter, Cash App emailed me stating that I would not be able to recover my funds. Unsatisfied with this response, I reopened the investigation, only to receive the same outcome, denying me the return of my stolen funds. 

This situation has been extremely frustrating and financially damaging. Cash Apps failure to safeguard my account and provide a resolution raises serious concerns about their security measures and customer service. I am requesting your assistance in ensuring that Cash App conducts a thorough investigation into this matter and facilitates the return of my stolen funds. Or I will be forced to peruse legal matters and to broadcast this nationwide until it gets recognition, to prevent this from happening to the other millions of people who keeps their money in this app as well. 

Thank you for your attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash App XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
I previously filed a dispute with Experian regarding inaccuracies on my credit report. According to USPS tracking and XXXX records, Experian received my dispute on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to complete its investigation and provide the results within 30 days of receiving my dispute, or within 45 days if they notify me of the need for an extension. 

As of XX/XX/XXXX ( 31 days after receipt ), Experian has not provided me with the results of its investigation, nor did they request any extension. Because they exceeded the 30-day timeframe without resolution, the FCRA requires Experian to remove the disputed items from my credit report. 

I attempted to update my previous CFPB complaint regarding this issue, but the system required me to file a new complaint. I have attached my dispute documentation showing proof of delivery ( USPS tracking, XXXX confirmation ) and my follow-up letter sent to Experian on XX/XX/XXXX, requesting immediate removal of the disputed items.

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 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Financial Resources, Inc.
State: NY

Complaint narrative:
The company has been emailing and calling me constantly. The dates of emails are as follows XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. After the first email on XX/XX/XXXX, I emailed them back to tell them to discontinue all contact. They emailed me again that day, not with any acknowledgement of that legal and explicit written request, but with yet another collection email. They have an " unsubscribe '' button on their emails that doesn't do anything except reach an error message on their site. They have called me 8 times since XX/XX/XXXX, with the caller leaving a voicemail almost every time, identifying themselves as " XXXX. '' They have yet to acknowledge or honor my request for no further contact to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: VA

Complaint narrative:
XXXXDOFED education loan This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX, accounts removed immediately. 
15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b

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 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On or about XX/XX/year> I applied for a loan with One Main Financial They then requested more information, specifically my tax return I had not received an answer and I contacted them. They eventually called me back and said they had discussed by tax return information on the phone with me .... THAT NEVER HAPPENED. Clearly they either discussed my confidential tax return information, including Social Security numbers, or they lied about it. I contacted them several times to get an answer and they have refused to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have reviewed my credit report thoroughly and found several accounts that were added without my knowledge and are not accurate. I ask that these fraudulent accounts be blocked and removed immediately.

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