vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: PA

Complaint narrative:
Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.

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 2025-01-28 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: OH

Complaint narrative:
I HAVE FRAUDULENT NAMES ADDRESSES ON MY CONSUMER REPORT THAT ARE DONE BY FRAUD ACCORDANCE TO 15 USC 6801a PROTECTION OF NON PUBLIC PERSONAL INFORMATION ALSO 6802 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION TO USC 1681abc PERMISSIBLE PURPOSES OF CONSUMER REPORTS I NEVER RECEIVED A CERTIFIED LETTER FROM EXPERIAN XXXX XXXX GIVING THEM CONSENT TO FURNISHED THESE FRAUD ITEMS ON MY CONSUMER REPORTS PLEASE VERIFY THE LETTER ACCORDANCE 1681S2 AND SEND IT TO MY CORRECT ADDRESS AND SEND AND UPDATED CREDIT REPORT WITH THE FRAUD NAMES ADDRESSES DELETEDTO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND MY XXXX GIVEN NAME IS XXXX XXXX XXXX you are breaking the law twice with 18 usc 1028abc AGGRAVATED IDENTITY THEFT PLEASE DELETE FRAUD NAMES ADDRESSES 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  THX SIRS MAAMS XXXX BLESS

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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Im Filing a Complaint against Cash App ( Block , Inc. ) 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 very vulnerable and unprotected. Therefore, 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 2025-01-28 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: FL

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 2025-01-28 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: TN

Complaint narrative:
I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracy on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing an evidence of a throughly investigation. This practice violates the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: MI

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Comsumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: MA

Complaint narrative:
I amwriting to delate the following information from my file.The items I deleted are listed in the report I am a big team of identify theft and Idid not make the charge.I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the the federal tray, commission identity, theft, affidavit. Please delate this items as soon possible. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MA

Complaint narrative:
I amwriting to delate the following information from my file.The items I deleted are listed in the report I am a big team of identify theft and Idid not make the charge.I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the the federal tray, commission identity, theft, affidavit. Please delate this items as soon possible. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: TX

Complaint narrative:
I am filling a complaint against Equifax for falling to properly investigate my dispute regarding inaccurate in my credit report.Despite my submissions, equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a throrough investigation. The practice violates the fair credit reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX which mandates a resasonable investigation of disputes.Furthermore, XXXX actions may also contravene the consumer financial protection Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPBs recent administrative proceeding XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account name XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-01-28 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS AND INQUIRIES ON MY REPORT. THIS IS HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-28 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: TN

Complaint narrative:
Request to Investigate and Remove Inaccurate Credit Report Items under FCRA and U.S. Consumer Laws Details of the Complaint : I, XXXX XXXX, am filing this complaint to request an investigation into the accuracy and legality of the reporting of the following accounts on my credit report. These accounts contain late payment and/or charge-off entries that are potentially inaccurate and/or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Buying Act ( FDBA ), and applicable U.S. codes to request a thorough review of these matters. 

The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Late Payments and Charge-Off ) Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Bank Account Number : XXXX I believe the information reported by these creditors is inaccurate, incomplete, and/or unverifiable. I have previously disputed these entries with the credit reporting agencies but have not received adequate responses or resolution.

Request for Resolution : Remove all late payments and/or charge-offs associated with these accounts permanently. 
Provide documentation verifying the accuracy of the reported information. 
Confirm compliance with FCRA, FDBA, and applicable U.S. codes in the reporting of these accounts.

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 2025-01-28 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: TN

Complaint narrative:
Request to Investigate and Remove Inaccurate Credit Report Items under FCRA and U.S. Consumer Laws Details of the Complaint : I, XXXX XXXX, am filing this complaint to request an investigation into the accuracy and legality of the reporting of the following accounts on my credit report. These accounts contain late payment and/or charge-off entries that are potentially inaccurate and/or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Buying Act ( XXXX ), and applicable XXXXXXXX XXXX to request a thorough review of these matters. 

The accounts in question are : 1. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ( Late Payments and Charge-Off ) Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX I believe the information reported by these creditors is inaccurate, incomplete, and/or unverifiable. I have previously disputed these entries with the credit reporting agencies but have not received adequate responses or resolution. 

Request for Resolution : Remove all late payments and/or charge-offs associated with these accounts permanently. 
Provide documentation verifying the accuracy of the reported information. 
Confirm compliance with FCRA, XXXX, and applicable XXXX codes in the reporting of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> I received a call from a woman stating she was with XXXX XXXX XXXX  to notify me that they believed someone set-up a fraudulent checking account in my name. She noted that there were XXXX transactions including the deposit of a stolen check and XXXX XXXX transfers. She provided a XXXX XXXX and XXXX cancellation codes. She instructed me to call telephone # ( XXXX ) XXXX for XXXX XXXX. She indicated that XXXX would walk me through an authentification process to secure my account. 

I called the number and a man told me to initiate a transaction via XXXX and enter the case number and cancellation code. The telephone numbers he asked me to enter were XXXX and XXXX. The amount of the transaction was {$490.00}. 

Additionally he said that XXXX XXXX also had to be secured to the link to my chase account and a supplemental transaction of {$1400.00} was made. 

It did not XXXX on me that this was fraud until he tried to have me send another transaction via XXXX XXXX XXXX XXXX. 

I immediately called Chase. This was likely within an hour of the transactions being placed. They said they would open a Fraud incident but that there was nothing they could do to recover the money. I also went in person to a branch the following day. I was given a number of the Chase Fraud Dept and they again said there was nothing they could do to stop the payment that was still in PENDING state. 

I also contacted XXXX XXXX on XX/XX/XXXX within a short time after the transactions and they said they could not help either. 

Neither Chase or XXXX XXXX could do anything to stop Pending transactions which I was telling them was the result of a scam and no services rendered.

Company response to consumer: Closed with explanation