vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
- XX/XX/year> Received a XXXX XXXX credit card in the mail that I did not apply for. 
- XX/XX/year> Received an alert via my credit card app that an account had been opened in my name. 

I Called XXXX XXXX credit services to file a complaint/dispute Was told that a purchase of electrical coils and other items was made on XX/XX/year> at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX credit services began an investigation and will reach back out to me at the conclusion of the investigation anywhere between now and XXXX days from now. 

In the meantime, they have closed the fraudulent account and contacted the credit bureau ( Experian ) on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
On my credit report is a collection from a company called XXXX I have never heard of them. Nor do I believe this debt is accurate. I looked XXXX up online and found their contact info. Referencing the FTCs website, wrote them a debt validation letter. My letter refers to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). It specifically asks XXXX what the debt is for, how XXXX  calculated the debt, proof of any document with my signature, proof the statute of limitations has not expired, and proof XXXX  is licensed to collect this from me. In the attached letter, they responded with a vague response, a balance, and a statement saying I owe the debt. They provided no contract and/or proof that this debt is mine! Consequently, Im formally requesting you contact this collection company and have them send me a confirmation this debt has been removed from their system. I want to be assured I am not responsible for a debt XXXX can not legally prove is mine.

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 2025-01-30 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: PA

Complaint narrative:
XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Formal Dispute Regarding Inaccurate Information on My Credit Report Dear consumer financial protection Bureau, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled it a similar manner.

Please review the Inaccurate Information being report : 1. Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 
Likes Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe. 

Sincerely, 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 2025-01-30 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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested a copy of my full credit report and they are refusing to send me a copy. I I would like a full copy of my credit report sent to me at my address XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX 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 2025-01-30 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-30 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: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
I sent a letter to XXXX XXXX XXXX XXXX XXXX ) still havent received any response back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-01-30 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: IL

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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app ( Block, Ink ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 Regulation 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 2025-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: V and H Portfolio
State: LA

Complaint narrative:
I have more of a complaint than a problem. Vance and Huffman LLC reported that I have an account with them in collections. I was trying to get the debt validation completed with them and went back and fourth through emails and come to find out the debt of mine was already paid in full! They indicated that they will submit a request to remove from my credit report which is good, however NOW my score has decreased due to them putting this on my credit report. This should not be allowed with collection companies that do not even know what they are talking about not have they done their research before placing an item on someone's report. So now my credit has decreased due to this company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX 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 2025-01-30 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a XXXX  entry from your agency, which has caught my attention as I was not previously informed about this XXXX. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
On XXXX separate occasions I have had money taken from my account after already blocking the merchant who was trying to get my money! I also called and spoke to customer service about XXXX or XXXX different times in regards to them not allowing that merchant to come through and take my money and they still continue to let them take my!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> by myself, my wife and my children were staying at the XXXX  XXXX in XXXX XXXX XXXX. The address is XXXX XXXX XXXX XXXX we were guest in the hotel. My card was on file I paid with cash. I paid with cash went back to my room the following morning we were asked to leave no reason no explanation no complaints. Nothing in my car was charged {$650.00}. I reached out to Cash App support via email that was the only way I could, and I was given the runaround spoken to numerous people with no resolution no solution. I understand the time when it happened with years ago, but its the principal money was taken from me out of my account and I am a loyal and faithful customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: UT

Complaint narrative:
I got an email from XXXX XXXX about my credit report showing a hard credit inquiry on XXXX XXXX, 2025 from XXXX XXXX Bank. I immediately noticed this was not me and contacted XXXX XXXX Bank where I was told that a Hard Credit check was made by ( someone ) ( somewhere )- Not myself, for a credit card. It was approved for {$8000.00}. They could not acquire an account number for me but could give me the last XXXX digits of the credit card they approved being : XXXX. The agent 's ID number is XXXX and she told me the XXXX department opened an investigation and cancelled the card/account and would contact me in XXXX business days. This XXXX inquiry has already reflected on my XXXX score report and has created loss in rating.

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 2025-01-30 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: UT

Complaint narrative:
I got an email from XXXX XXXX about my credit report showing a hard credit inquiry on XXXX XXXX, 2025 from XXXX XXXX Bank. I immediately noticed this was not me and contacted XXXX XXXX Bank where I was told that a Hard Credit check was made by ( someone ) ( somewhere )- Not myself, for a credit card. It was approved for {$8000.00}. They could not acquire an account number for me but could give me the last XXXX digits of the credit card they approved being : XXXX. The agent 's ID number is XXXX and she told me the XXXX department opened an investigation and cancelled the card/account and would contact me in XXXX business days. This XXXX inquiry has already reflected on my credit score report and has created loss in rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: UT

Complaint narrative:
I got an email from XXXX XXXX about my credit report showing a hard credit inquiry on XXXX XXXX, 2025 from XXXX XXXX Bank. I immediately noticed this was not me and contacted XXXX XXXX Bank where I was told that a Hard Credit check was made by ( someone ) ( somewhere )- Not myself, for a credit card. It was approved for {$8000.00}. They could not acquire an account number for me but could give me the last XXXX digits of the credit card they approved being : XXXX. The agent 's ID number is XXXX and she told me the XXXX department opened an investigation and cancelled the card/account and would contact me in XXXX business days. This XXXX inquiry has already reflected on my XXXX score report and has created loss in rating.

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 2025-01-30 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: LEXISNEXIS
State: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate a dispute I submitted regarding inaccurate information on my credit report. Despite submitting my disputes, Experian did not correct the errors, which continues to harm my XXXX score. 
I have multiple disputes. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to removed, nor correct any information. I'm requesting this derogatory remarks to be removed and corrected immediately as it's affecting my chances of getting a house. Experian violated my rights as a consumer, as well as federal laws.

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 2025-01-30 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:
According to the fair Credit Reporting ACT ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO

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 2025-01-30 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: TX

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 XXXX 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