vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

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 2025-02-06 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: MD

Complaint narrative:
I am writing to dispute a credit inquiry on my report that was made that I believe this inquiry was made without my authorization. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a credit report may only be accessed with my consent or for certain permissible purposes. As I did not authorize this inquiry, I am requesting that it be investigated and removed from my credit report. 

Please provide me with the details of the authorization for this inquiry or remove it from my report if no such consent was given. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I am writing to dispute a credit inquiry on my report that was made that I believe this inquiry was made without my authorization. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a credit report may only be accessed with my consent or for certain permissible purposes. As I did not authorize this inquiry, I am requesting that it be investigated and removed from my credit report. 

Please provide me with the details of the authorization for this inquiry or remove it from my report if no such consent was given. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely,

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Experian Dispute Department, I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries that have appeared on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information from my credit file upon notification and receipt of supporting documentation.

The fraudulent items I am disputing include : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - XXXX Unauthorized Credit Inquiries : 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 To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Experian to take immediate action to rectify the harm caused by this breach.

I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Experian to provide a detailed explanation, including the evidence used to verify its accuracy.

Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary.

Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above..

Sincerely, XXXX XXXX XXXX Enclosures ID Proof of Address XXXX FTC

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 2025-02-06 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: MI

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: GA

Complaint narrative:
The account status is charged off and I never received 1099-c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
XXXX XXXX XXXX north XXXX XXXX XXXX XXXX NJ XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account listed on my credit report. I recently obtained a copy of my credit report and found an error regarding an account that I believe to be inaccurate, incomplete, or unverified.

The account details are as follows : Creditor/Collection Agency Name : [ Name of Collection Agency ] Account Number : [ Account Number ] Date Opened : [ Date on Credit Report ] Balance : [ Balance Listed ] According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. I request that you investigate this account and provide me with documentation proving its validity. If the account can not be verified, I request that it be removed from my credit report immediately. 

To support my claim, I have attached copies of [ mention any supporting documents, such as credit reports, correspondence with the collection agency, proof of payment, or identity documents ]. 

Please conduct a thorough investigation and update my credit file accordingly. Kindly provide me with a written response regarding the results of your investigation within the timeframe allowed by law ( 30 days ). 

Experian Experian XXXX Department po box XXXX XXXX, TX XXXX Equifax Equifax Information XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion TransUnion Consumer XXXX XXXX XXXX 2000 XXXX, PA 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 2025-02-06 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: GA

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 2025-02-06 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: IL

Complaint narrative:
Requested information on proof of charge off for XXXX XXXX XXXX XXXX. Explanation on why XXXX XXXX is report as a charge off and a collection on the same 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 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing 3 inquiries fraudulent from my Transunion credit report. XXXX XXXX via XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. The listed inquiries do not belong to me and must be removed from my Transunion credit report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark these inquiries as Fraudulent and remove from my credit report.

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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XXXX, I visited a lender to check my credit score as I began the process of buying a house. During that consultation, it was brought to my attention that I have a collection listed from an apartment.

Since then I have been gathering information about this matter. However, every time I reach out for clarification, I receive what appears to be a statement that does not include my name or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-06 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: IL

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

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 2025-02-06 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: PA

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: FactorTrust, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I have my Cash App since 2018 and I made a purchase to somebody sent the wrong money. They never contacted me with the amount that was sent and I wind up losing my money. It was nobody I could contact to make the transaction refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NC

Complaint narrative:
I have identified information on my consumer reports that are a result of identity theft, these items were not related to any transactions completed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cashapp ( Block.Inc ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair, and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
When I reviewed my credit report today, I was surprised to find inaccurate accounts listed, and I dont know why. I always check my report regularly, but this time, there were discrepancies that seemed to appear out of nowhere. I tried refreshing my browser, hoping it was just a display issue, but the errors didnt go away. Because of this, Im asking for a careful examination of the documents I submitted so I wont have to worry about this issue again.

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 2025-02-06 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: NJ

Complaint narrative:
This morning, I noticed some incorrect accounts on my credit report, and I have no clue how they got there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a temporary glitch, but the errors remained. Since these inaccuracies persist, I am requesting a thorough review of the documents Ive provided so I can have peace of mind moving forward.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MO

Complaint narrative:
I am filing this complaint against Checkr , Inc. for inaccurately reporting information on my background check, which has resulted in repeated job application denials. 
In XX/XX/year>, I was arrested for a DWI in XXXX XXXX, MO. However, my case was finalized as a Suspended Imposition of Sentence ( SIS ), NOT a conviction under Missouri law. I successfully completed all court-ordered requirements, including probation and mandatory courses. Under Missouri law, an SIS is not considered a conviction and should not appear on my background check as one.

Despite this, Checkr has incorrectly reported my case as a DWI conviction to potential employers, including XXXX, and XXXX  towing and roadside recovery causing them to deny my applications. I have provided Checkr with official court documents and a case disposition statement verifying that my case was resolved as an XXXX. However, they continue to report misleading and inaccurate information.

I have filed multiple disputes with Checkr, providing legal documentation proving that my case was resolved as an SIS and not a conviction. I contacted my attorney, who confirmed that my case should not be classified as a conviction. Checkr continues to reject my dispute and refuses to update my background report. I have lost multiple job opportunities due to this incorrect reporting.

Checkr is violating the Fair Credit Reporting Act ( FCRA ) by failing to ensure the accuracy of my background report and by refusing to correct their errors even after receiving sufficient documentation.

I would like to request that Checkr immediately update my background check report to reflect the correct status of my case ( XXXX, NOT a conviction ), and Checkr notify any employer that has received my incorrect background check that an error was made and provide the corrected report, as well as CFPB investigate Checkrs practices to prevent similar inaccuracies from affecting other job applicants. 
This misinformation has caused me financial hardship, job loss, and unnecessary stress. I appreciate your help in resolving this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Transunion. I have disputed charges from XXXX XXXX XXXX for over 7 years. I've included proof to XXXX but they have failed to address problem. Since it is now over 7 years I am requesting TRANSUNION Credit Bureau to remove as it should have automatically been removed. THANK YOU

Company response to consumer: Closed with explanation