vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate negative accounts and delinquency records on my credit report. Upon reviewing my report from Equifax, Experian, and TransUnion, I discovered incorrect negative information that does not belong to me and is damaging my credit score. 

These errors include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts XXXX fraudulent delinquency reports, and incorrectly reported late payments. I believe these inaccuracies may be the result of identity theft or reporting errors. Despite my efforts to dispute these items directly with the credit bureaus and creditors, the issues remain unresolved. 

The presence of these incorrect accounts has significantly impacted my financial well-being, affecting my ability to secure credit, loans, and other essential financial services. I am requesting the CFPB to investigate this matter and ensure that the inaccurate negative information is removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate negative accounts and delinquency records on my credit report. Upon reviewing my report from Equifax, Experian, and TransUnion, I discovered incorrect negative information that does not belong to me and is damaging my credit score. 

These errors include XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX accounts XXXX fraudulent delinquency reports, and incorrectly reported late payments. I believe these inaccuracies may be the result of identity theft or reporting errors. Despite my efforts to dispute these items directly with the credit bureaus and creditors, the issues remain unresolved. 

The presence of these incorrect accounts has significantly impacted my financial well-being, affecting my ability to secure credit, loans, and other essential financial services. I am requesting the CFPB to investigate this matter and ensure that the inaccurate negative information is removed from my credit 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 2025-02-27 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: GA

Complaint narrative:
I am submitting this formal dispute under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the immediate blocking and permanent deletion of fraudulent accounts, inquiries, and collections appearing on my credit report as a result of identity theft. My personal information was compromised due to a data breach, leading to unauthorized activity that does not reflect my credit history or consent. Specifically, multiple accounts were fraudulently opened in my name, including those with XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, unauthorized hard inquiries were made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while fraudulent collections from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have appeared on my report. In compliance with the Fair Credit Reporting Act, I formally request that all fraudulent items be removed within four business days of receiving this dispute, as mandated by law. I have enclosed supporting documentation, including a copy of my government-issued ID, proof of residence, an FTC Identity Theft Criminal Complaint ( XXXX XXXX XXXX XXXX, and my consumer credit report highlighting the fraudulent items. Additionally, I request written confirmation detailing the removal of these inaccurate accounts, inquiries, and collections. I appreciate your immediate attention to resolving this matter and expect a timely response as required under the FCRA. If further information is needed, I can be reached via email or phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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:
Experian 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 Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the persistent and harassing calls and text messages I receive from Associated Credit Services, a company claiming to be a debt collector for XXXX XXXX. These communications are disruptive, particularly while I am at work, and have continued despite my requests for them to cease. 

This alleged debt is fraudulent and stems from a water delivery service that continued to charge me even after multiple cancellation requests. My girlfriend and I made several attempts to cancel our service with XXXX XXXX, yet they continued to send deliveries and issue charges to my credit card. Due to their failure to stop the unauthorized charges, I ultimately canceled my credit card to prevent further billing. However, XXXX XXXX continued to send deliveries and bills, ultimately transferring or selling this disputed debt to Associated Credit Services. 

When I contacted this debt collection agency to clarify the nature of their involvement, they stated that they do not own the debt and allegedly work for XXXX XXXX without compensation. When I inquired about what portion of the payment they would receive if I were to pay them, my call was abruptly disconnected. Additionally, the amount of the alleged debt keeps changing across different calls, text messages, and even on my credit report, making it difficult to verify the legitimacy of the claims. 

I believe this is an unfair and deceptive debt collection practice. I am requesting an immediate investigation into the validity of this debt and the actions of both XXXX XXXX and Associated Credit Services. Furthermore, I request that all harassing communications stop immediately and that any fraudulent or incorrect information be removed from my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX XXXX XXXXXXXX

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 2025-02-27 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: PA

Complaint narrative:
My information was exposed in the XXXX data breach. I noticed fraudulent inquiries on my credit report that need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: GA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-02-27 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section XXXX of the Fair Credit Reporting Act ( XXXX  ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within XXXX ( XXXX ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX XXXX BREACH. PLEASE REFER TO THE EQUIFAX XXXX BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically XXXX XXXX XXXX ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security XXXX : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX XXXX / New York XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I received a text message from XXXX  XXXX XXXX XXXX department asking if I authorized a check to be withdrawn from my account in the amount of {$790.00}. I said no and it told me to call them. I called Bank of America and spoke to someone in the fraud department who said that the XXXX XXXX department had blocked the check from being taken out of my account. I told him it was not me. I did not do it, and he said that I would be fine that they blocked it and the money wouldnt be taken out of my account. Fast-forward XXXX hours later and the check was taken out of my account and now my account is- {$390.00}. I called back and now theyre saying they have to file a claim and it could be XXXX  days until I get my money back. I want my money back now. I told him it wasnt mine and they assured me that the money wouldnt come out of my account after I spoke to someone on the phone directly and they still let it come out of my 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-02-27 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: FL

Complaint narrative:
I made a purchase for a business endeavor on Cash App. I wasnt a satisfied customer due to timing, lack of communication, and etc. I then asked the person/company for a refund. He hearted my response and a few days went by. I requested a refund from that person directly. I contacted him again once I realized he didnt refund me and then I reached out to cash app support. In 2020 when the purchase was made. Every step that the platform says to follow I attempted. I was never refunded. I have other obligations and it slipped my mind. Present day, Ive reached out to them on numerous occasions and timing is their customer representatives excuse of not upholding returning me my funds. Ive called every number in relations to that entity. There is no option to show/attach proof while requesting a refund for my specific purchase. Also, Im seeing inaccurate dollar values between me and other user accounts. This is all out of nowhere in a sense and Im unsure if there is a breach on the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: OK

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$7900.00} XXXX  - XXXX - XX/XX/XXXX - {$13000.00} XXXX DATA INT - XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  NETW - XXXX - XX/XX/XXXX - {$00.00} XXXX  NETW - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear XXXX, XXXX, XXXX, and Equifax, I, XXXX XXXX, a natural person, am formally disputing the inaccurate and misleading information on my consumer credit report. For the past several months, I have repeatedly requested an investigation into these violations, yet my disputes have been ignored. These inaccuracies have negatively impacted my livelihood, and your failure to conduct a reasonable and timely investigation violates my rights under federal law. XXXX of the primary inaccuracies pertains to my account with XXXX XXXX XXXX. Specifically, the payment history for this account is inconsistent across the credit bureaus, yet it has been reported negatively on my consumer file. Additionally, you have failed to provide verifiable proof of the alleged late payments before reporting such derogatory information on my consumer report. Your failure to investigate and correct these inaccuracies is in direct violation of XXXX XXXX Code XXXX ( Fair Credit Reporting Act ) and XXXX XXXX Code XXXX ( Fair Credit Reporting Act ). As per my rights under these federal statutes, I formally demand : XXXX removal of the inaccurate accounts and negative marks associated with my XXXX XXXX XXXX account and any other unverifiable information on other accounts. Failure to comply with my request within the legally required timeframe will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and considering potential legal action to protect my rights. I expect a formal written response and resolution to this dispute within XXXX  days, as required by federal law. Please send all correspondence and supporting documentation regarding this matter to my contact information listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: SC

Complaint narrative:
XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  FIN XXXX, XXXX XXXX, XXXX  RM XXXX, XXXX XXXX, XXXX  XXXX INQUIRIES XXXX  DC - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX OF XXXX - XX/XX/XXXX, XXXX CO - XX/XX/XXXX, XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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 explanation