vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist ofXX/XX/XXXX ( {$360.00} ) XX/XX/XXXX ( {$150.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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 2025-02-04 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. 

XXXX Acct # XXXX XXXX Acct # XXXX XX/XX/XXXX XXXX XXXX Acct # XXXXXX/XX/XXXX Acct XXXX XXXX XXXXXX/XX/XXXX Acct # XXXX XX/XX/XXXX Acct # 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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dispute of Incorrect Addresses and Phone Numbers on Credit Report Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, specifically old or incorrect addresses and phone numbers that appear under my personal details. These outdated or incorrect entries are inaccurately affecting my credit report, and I request that they be corrected and removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The addresses and phone numbers I am disputing are as follows : Disputed Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX AV, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX Disputed Phone Numbers : 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 XXXX. ( XXXX ) XXXX The phone number listed is outdated and not associated with me. I respectfully request that it be investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter within 30 days of receiving this dispute and provide me with the results of the investigation. I would appreciate it if you could confirm the removal of this incorrect phone number from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inaccuracies have been corrected. 

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute of Incorrect Addresses and Phone Numbers on Credit Report Dear Sir/Madam, I am writing to formally dispute certain information on my credit report, specifically old or incorrect addresses and phone numbers that appear under my personal details. These outdated or incorrect entries are inaccurately affecting my credit report, and I request that they be corrected and removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

The addresses and phone numbers I am disputing are as follows : Disputed Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX XXXX. XXXX XXXX XXXX AV, XXXX XXXX, XXXX  XXXX Date Reported : XX/XX/XXXX Disputed Phone Numbers : 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 XXXX. ( XXXX ) XXXX The phone number listed is outdated and not associated with me. I respectfully request that it be investigated and removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate this matter within 30 days of receiving this dispute and provide me with the results of the investigation. I would appreciate it if you could confirm the removal of this incorrect phone number from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these inaccuracies have been corrected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has just been sending me the consumer that the furnisher XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has verified that these accounts are accurate. Equifax and furnishers have been violated fcra rules with no proof that these accounts are accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 2025-02-04 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: NJ

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. 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 explanation
Consumer complaint received 2025-02-04 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my hability to obtain credit

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 2025-02-04 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 explanation
Consumer complaint received 2025-02-04 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: MN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-02-04 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: MN

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
Money was sent to an unauthorized person from my CashApp account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: PA

Complaint narrative:
I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provided me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am 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 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 2025-02-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian 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 receiving this complaint. The fraudulent, inaccurate, and false information consists of the following personal accounts and collections appearing on my consumer FICO credit report : Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$16000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Current Balance : {$10000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : {$150.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$2000.00} Date Account Opened : XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # [ private case number ] as proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are fraudulent. Additionally, I have included a copy of my consumer FICO credit report maintained by you, highlighting the fraudulent items. Pursuant to FCRA 605B, I request that these fraudulent accounts, collections, and hard inquiries be blocked from my consumer credit report within 4 business days of receiving this complaint. Please confirm in writing that these items have been removed or provide a detailed explanation for any refusal to comply. If I do not receive a response within the required timeframe, I will escalate this matter accordingly.

Thank you for your prompt attention to this urgent matter.

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 2025-02-04 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: WI

Complaint narrative:
Experian miss used my data and did not deal with my credit dispute after I was scammed.

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 2025-02-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 2025-02-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following personal accounts and collections appearing on my consumer FICO credit report : Account Name : XXXX XXXX Account Number : XXXX Current Balance : {$16000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Current Balance : {$10000.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Current Balance : {$150.00} Date Account Opened : XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Current Balance : {$2000.00} Date Account Opened : XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These items were not opened, made, or initiated by me and are the result of identity theft and fraud.

I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX XXXX XXXX ] as proof from the U.S. Federal Trade Commission confirming that all of the aforementioned consumer credit accounts, collections, and hard inquiries are fraudulent. Additionally, I have included a copy of my consumer FICO credit report maintained by you, highlighting the fraudulent items.

Pursuant to FCRA 605B, I request that these fraudulent accounts, collections, and hard inquiries be blocked from my consumer credit report within 4 business days of receiving this complaint.

Please confirm in writing that these items have been removed or provide a detailed explanation for any refusal to comply. If I do not receive a response within the required timeframe, I will escalate this matter accordingly.

Thank you for your prompt attention to this urgent matter.

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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filling a complaint against Cash App ( Block, inc. ) due inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measure 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 thesis violations.

Company response to consumer: Closed with explanation