vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I am writing to formally dispute an item on my credit report that I believe is inaccurate. I recently reviewed my credit report from Experian, and I found the following issue ( s ) that need to be addressed : I believe these are incorrect for the following reasons : XXXX XXXX XXXX The account does not belong to me please remove it from my credit report. 

Please investigate these discrepancies and provide a written response within the time frame required by the Fair Credit Reporting Act ( FCRA ), which is generally within 30 days. I have also enclosed any supporting documentation ( if applicable ) to assist in your investigation. This may include payment receipts, letters from creditors, or any other relevant documents.

As required by the FCRA, I ask that you either correct the erroneous information or remove it entirely from my credit report.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with a resolution. Should you require any further information, feel free to contact me via the phone number or email address provided above. 

Sincerely, XXXX XXXX XX/XX/year> 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 2025-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
At about XXXX on XX/XX/year> a payment of {$450.00} was taken out of my account. The exact amount that I paid the day before. Later that day another payment of {$78.00} @ XXXX and then another payment @ XXXX of $ XXXX. All these payments were made via in the store. But, where duplicate of the same exact transaction that I made the day before. The last payment of {$44.00} I told the cash app to lock the account and to also get rid of the card. Not even 2 hours later. The hacker was still able to get into my account and take money thats not in my account. I cant make a dispute on something thats not there. I cant lock a card on something thats not there. When I call cash app they tell me my information is incorrect. And I know its correct. The chat service is absolutely no help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have had many alerts saying that something has breached my credit. Therefore, Id like all the stuff on my credit removed. Some of these are not my credit anyway please take them away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PR

Complaint narrative:
I am contacting you to dispute fraudulent items on my credit report, which I believe result from identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be promptly blocked. 

Attached is a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputed information identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked immediately : Fraudulent Accounts to be Removed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am writing to formally notify you that I have fallen victim to identity theft. I have reached out to the Federal Trade Commission ( FTC ) and have lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent accounts that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency via fax and Certified Mail.

Additionally, I request the immediate removal of the following fraudulent accounts and inquiries from my credit report : I appreciate your prompt attention to this matter. Please confirm in writing once these fraudulent items have been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: TX

Complaint narrative:
Name : XXXX XXXX Social Security : XXXX Date Of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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 seven years. 15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Unauthorized Fraudulent Accounts Listed Below : FCRA XXXX - XXXX ( XXXX ) Opened XXXX XXXX, XXXX, Credit Card Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law - XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX, XXXX - FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against 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 2025-03-02 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have many other names and addresses that have never been mine and many of them are in states I have never been to showing up on my credit report. Aside from the names and addresses that are not true, there are also credit reports from car dealerships whom I never gave permission to run my credit. There are also issues with some old credit lines that are showing as not paid that I never had.I have went through and sent Equifax and XXXX individual disputes for each of the errors on my report. I also sent emails to customer service asking them to let me know any proof they need from me to help resolve these issues and after 6 months nothing has changed and I still have yet to hear from anyone from either of these companies about my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
Recently I viewed a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. I am requesting an investigation. 

Account XXXX : XXXX XXXX XXXX XXXX Account # : 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 2025-03-02 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: MS

Complaint narrative:
XXXX XXXX XXXX and another mortgage company reporting on my credit report wrong. The accounts were paid in full. I would like them removed from my credit report and an adjustment made to my score.

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 2025-03-02 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: OH

Complaint narrative:
My personal information was exposed in the data breach that affected billions of people and info on my credit profile is wrong and not correct

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 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX Acct ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: IL

Complaint narrative:
I am writing to formally dispute an item on my credit report that I believe is inaccurate. I recently reviewed my credit report from Experian, and I found the following issue ( s ) that need to be addressed : I believe these are incorrect for the following reasons : XXXX XXXX XXXX The account does not belong to me please remove it from my credit report. 

Please investigate these discrepancies and provide a written response within the time frame required by the Fair Credit Reporting Act ( FCRA ), which is generally within 30 days. I have also enclosed any supporting documentation ( if applicable ) to assist in your investigation. This may include payment receipts, letters from creditors, or any other relevant documents.

As required by the FCRA, I ask that you either correct the erroneous information or remove it entirely from my credit report.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with a resolution. Should you require any further information, feel free to contact me via the phone number or email address provided above. 

Sincerely, XXXX XXXX XX/XX/year> 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 2025-03-02 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: IL

Complaint narrative:
I am writing to formally dispute an item on my credit report that I believe is inaccurate. I recently reviewed my credit report from Experian, and I found the following issue ( s ) that need to be addressed : I believe these are incorrect for the following reasons : XXXX XXXX XXXX The account does not belong to me please remove it from my credit report. 

Please investigate these discrepancies and provide a written response within the time frame required by the Fair Credit Reporting Act ( FCRA ), which is generally within 30 days. I have also enclosed any supporting documentation ( if applicable ) to assist in your investigation. This may include payment receipts, letters from creditors, or any other relevant documents.

As required by the FCRA, I ask that you either correct the erroneous information or remove it entirely from my credit report.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with a resolution. Should you require any further information, feel free to contact me via the phone number or email address provided above. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: PR

Complaint narrative:
I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but CREDIT BUREAU has failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.

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 2025-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: FL

Complaint narrative:
I have disputed this debt with the collection agency and the credit bureau XXXX. I have informed them of the identity theft which led to this debt but I have not received any response or justification for the collection account on my credit report. I have informed and XXXX is aware of the identity theft that occurred on my file but they are still reporting this account. I am requesting this account to be removed from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

XXXX. XXXX XXXX ( Account XXXX XXXX XXXX {$3000.00} ) Creditor Name : XXXX XXXX Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of XXXX Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days 2. XXXX XXXX ( Account # XXXX XXXX {$1800.00} ) Creditor Name : XXXX XXXXXXXX Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX XXXX also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.

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 2025-03-02 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:
I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

XXXX. XXXX XXXX ( Account # XXXX XXXX {$3000.00} ) Creditor Name XXXX XXXX XXXX Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of XXXX Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX. XXXX XXXX ( Account XXXX XXXX - {$1800.00} ) Creditor Name XXXX XXXX XXXXXXXX Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX XXXXXXXX also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: PA

Complaint narrative:
I am filing a formal complaint against the following creditors for failing to provide a Form 1099-C ( Cancellation of Debt ) within the legally required timeframe after my request. Additionally, because these creditors have failed to comply with IRS regulations, I am formally requesting the removal of these accounts from my credit report due to noncompliance and failure to validate or properly report the debt cancellation. 

XXXX. XXXX XXXX ( Account XXXX XXXX XXXX {$3000.00} ) Creditor Name : XXXX XXXX Account Number : XXXX Original Balance : {$3000.00} Charge-off Amount : {$3000.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX. XXXX XXXX ( Account # XXXX - {$1800.00} ) Creditor Name XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1800.00} Charge-off Amount : {$1800.00} Date of Charge-off : XX/XX/XXXX Date of 1099-C Request : XX/XX/XXXX Certified Mail Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX Failure to Provide 1099-C Within 30 Days XXXX  XXXX also sent a letter confirming that they sold the debit to XXXX XXXX XXXX, XXXX and continued not doxument it accurately ony credit report.

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 2025-03-02 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: CA

Complaint narrative:
I never lived at the address listed on my credit report. The address listed below needs to be removed from all credit bureaus, including 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 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 2025-03-02 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: CA

Complaint narrative:
I never lived at the address listed on my credit report. The address listed below needs to be removed from all credit bureaus, including 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief