vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-31 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I called for the first time ever to complain about me sending money to a someone that was selling me shoes and the shoes ended up being fake I called an said I gave the person the items back and the person did not return my money they said they would look into it and 2 days later which was super weird they decided it wasnt a scam Ive been with cash app for over 5 years and its happened before but never for a big amount so I never decided to call and when it did they were no help they were rude seemed agitated bc they were making no sense to me on how they would resolve the issue and they resolved it by just sending me an email saying that they found no problem when I clearly requested the money back I dont think that if youve never once filed a complaint and when you do after so many years they would actually take the time to revise everything and analyze it to its fullest .. ( CASH APP )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
My purse and wallet was stolen. All of my important documents were in my purse and my identity was compromised. I tried to make a police report but due to the fact I did not know who stole my things they could not provide me with an accurate police report but they are still looking into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
They locked/ restricted my acccount for no reason. Wont tell me why. Holding thousands of my dollars. Cant access any of my money. Been restricted for 14 days now. Called every day multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The creditor failed to issue a Form 1099-C as required by IRS regulations for canceled or discharged debts over {$600.00}. This raises concerns regarding the accuracy and validity of the reported charge-off

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 2025-01-31 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: IL

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 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 2025-01-31 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: FL

Complaint narrative:
Dispute of Inaccurate Information Identity Theft & Data Breach Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues. 

These discrepancies appear to be the result of identity theft, and I believe they are part of a larger data breach that has compromised my personal information. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that is inaccurate, incomplete, or unverifiable, and I am exercising my rights to have these entries investigated and removed from my credit report. 

Please conduct a thorough investigation and provide me with a written confirmation of your findings once the corrections have been made. If you require any additional documentation or information to facilitate this process, please let me know. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Dispute of Inaccurate Information Identity Theft & Data Breach Dear I am writing to formally dispute certain items on my credit report that have been inaccurately reported by XXXX and XXXX XXXX XXXX. Upon reviewing my credit report, I have found that these entries do not belong to me, and I have already filed disputes with both companies regarding these issues. 

These discrepancies appear to be the result of identity theft, and I believe they are part of a larger data breach that has compromised my personal information. I am requesting that you investigate and correct these inaccuracies as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that is inaccurate, incomplete, or unverifiable, and I am exercising my rights to have these entries investigated and removed from my credit report. 

Please conduct a thorough investigation and provide me with a written confirmation of your findings once the corrections have been made. If you require any additional documentation or information to facilitate this process, please let me know. 

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

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 2025-01-31 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: NE

Complaint narrative:
Experian and Equifax wouldn't remove accounts closed. And transunion won't gice me my credit report without verifying my info all though I have before and it was under my fiances name.

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 2025-01-31 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 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 2025-01-31 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 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 non-monetary relief
Consumer complaint received 2025-01-31 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 2025-01-31 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) 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 non-monetary relief
Consumer complaint received 2025-01-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX, FL, XXXX XX/XX/year> EXPERIAN Experian XXXX XXXX XXXX XXXX, TX, XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report as prepared by your agency. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am entitled to dispute errors and request an investigation into the accuracy of the information. 
The specific item ( s ) I am disputing are as follows : 1. [ Creditors Name or Account Name ] o Account Number : [ Provide account number if available ] o Dispute Reason : [ Briefly explain why the information is incorrect. For example, " This account was paid in full, '' or " I have no knowledge of this account. '' ] I have included copies of supporting documents ( e.g., payment receipts, correspondence, or statements ) that substantiate my claim. Please review these documents and conduct a thorough investigation into this matter. 
If the disputed item ( s ) can not be verified or corrected, I respectfully request that it/they be removed from my credit report as required by the FCRA. Additionally, I would like a written confirmation of the results of your investigation and an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Please feel free to contact me if additional information is required. I can be reached at [ Your Phone Number ] or [ Your Email Address ]. 
Sincerely, 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 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, Experian and Equifax 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  that appears related to the aforementioned collection. 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 XXXXXXXX ) 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 2025-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, Experian and Equifax 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  that appears related to the aforementioned collection. 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 XXXXXXXX ) 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 2025-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the original creditor, XXXX XXXX, regarding two medical collection accounts that have been improperly reported on my credit report. The accounts include the following : Amount : {$670.00} & {$580.00} Date Opened : XX/XX/XXXX Status : Collection/Charge-off Despite my formal dispute and supporting documentation, these accounts remain on my credit report. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus and data furnishers to validate disputed debts and investigate disputes promptly. 

Actions Taken by Me : XX/XX/XXXX Sent certified dispute letters to XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, demanding debt validation. 
XX/XX/XXXX Filed an identity theft affidavit and submitted dispute claims with Equifax, XXXX, and XXXX, requesting the removal of these fraudulent accounts. 
XX/XX/XXXX Received an inadequate response from Equifax, which stated that the accounts had been verified but failed to provide any supporting documentation proving the legitimacy of the debt. 
Issues with Equifaxs Response : Failure to Provide Full Debt Validation ( FCRA Violation 15 U.S.C. 1681i ) Equifax did not provide a signed contract, billing statements, or original creditor validation. 
Instead, they only stated that the accounts were verified, which does not satisfy the legal requirements under the FCRA. 
Request : I demand complete verification documentation, or these accounts must be removed. 
HIPAA Violation Unauthorized Disclosure of Medical Debt The reporting of my medical debt without my consent violates HIPAA privacy regulations. 
Equifax must provide proof that XXXX XXXX authorized XXXX XXXX XXXX XXXX XXXX to report this debt. 
Request : A HIPAA compliance report confirming authorization, or the account must be deleted. 
Identity Theft Failure to Remove Fraudulent Accounts ( 15 U.S.C. 1681c-2 ) My personal information was used without my consent, and I filed an identity theft affidavit. 
Under federal law, Equifax must block fraudulent collections upon receipt of my fraud report, but they have failed to do so. 
Request : Immediate removal of fraudulent accounts as required under 15 U.S.C. 1681c-2. 
XXXX XXXX Compliance Violations Improper Reporting of Charge-Offs The collection accounts were not properly reported according to XXXX XXXX XXXX. 
Errors include : Incorrect Date of First Delinquency ( DOFD ) Inaccurate balance and payment history Request : Full proof of compliance with XXXX XXXX reporting standards or immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I responded to a XXXX ad where " XXXX '' said that an apartment was available, and after showing it to me ( XX/XX/XXXX ), said that she'd hold it for me ( it was XXXX, and I couldn't move in until XXXX ). So I sent her {$1800.00} through Zelle ( XX/XX/XXXX ), and it turns out, she was not the owner or anyone authorized to rent the apartment, and, after I found out I'd been scammed, requested the money back ( XX/XX/XXXX ). She then claimed that she would return the money, gave me a " confirmation number '' ( # XXXX ), and said that it would take " up to 10 business days '' for the transfer to go through. I never received any money back, and she stopped responding to me after that day. 

There is a whole website dedicated to her, and the people she has scammed. ( https : //www.annebergstedt.net/ ) I then went to the Zell website, and they suggested that I contact my Credit Union. I contacted them via chat ( XX/XX/XXXX ) and told them what happened, which included my sending them the details of the police report that I'd filed against her. They said that there was a good chance that I'd get my money back. 

On XXXX received this response : " We have concluded our investigation into your claim disputing the transaction ( s ) totaling $ XXXX XX/XX/XXXX. We determined the transaction ( s ) is valid. Therefore, the transaction ( s ) can not be disputed and your claim is now closed. '' I responded to my credit union as to how it could've been valid, and they said that they could not give me any more information.

Company response to consumer: Closed with explanation