vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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 formally dispute inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, I am exercising my rights under the Fair credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) to request the immediate correction of the following items : 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 XXXXXXXX ) These accounts are a result of trafficking-related exploitation. I have enclosed supporting documentation, including : Proof of my identity. 
Self-attestation of my trafficking survivor status ( And optional advocate letter or other supporting evidence ) Please remove these accounts and any associated negative information from my credit report within the mandated four- business-day timeframe. 
If you require additional information, please contact me at ( XXXX ) XXXX or XXXX. I look forward to your confirmation of these corrections. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information listed on my credit report. As a survivor of human trafficking, I am exercising my rights under the Fair credit Reporting Act ( FCRA ) and the Debt Bondage Repair Act ( DBRA ) to request the immediate correction of the following items : 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 XXXXXXXX ) These accounts are a result of trafficking-related exploitation. I have enclosed supporting documentation, including : Proof of my identity. 
Self-attestation of my trafficking survivor status ( And optional advocate letter or other supporting evidence ) Please remove these accounts and any associated negative information from my credit report within the mandated four- business-day timeframe. 
If you require additional information, please contact me at ( XXXX ) XXXX or XXXX. I look forward to your confirmation of these corrections. 
Sincerely, 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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I opened a card with XXXXXXXX XXXX to finance the purchase a dryer. The person who opened the card for me hand waved all of the standard information about the card, they stated I would not be charged interest if I made payments for the first year. This was incorrect and I would not have opened the card if I was presented with all of the accurate information. I was also promised a XXXX dollar rebate for my purchase which in fact was not real.

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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
There is a letter attached with my considers for the fraud account listed on my report. I have filed all the paperwork. Please remove the account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXXXX/XX/XXXX-TransUnion XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
easypayfinance.com proceeded to charge me {$5000.00} for a " purchase '' made at XXXX XXXX XXXX ( XXXX ). XXXX XXXX refused to print me an itemized receipt of the transaction and was super unhelpful. 

Went to make a police report and submitted it to easypayfinance.com Easypay continues to give me the run around and meanwhile I keep getting payment reminders. I NEVER signed up for this credit and was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This account has mostly fraud charges and was compromised I called the company and complained and they never filed the disputes for charges in 2022 the account has over XXXXXX/XX/XXXX worth of fraud charges now the account is in collections I told the collections that this account is fraud and the charges please help remove this off 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 2025-02-10 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: MD

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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/year> I was alerted via email that my credit cards reward redemptions had taken place 2 times without my knowledge. I immediately ( within minutes ) called the credit card company ( Barclaycard ) and they confirmed it has happened, and this was fraud ( redeemed on XXXX ). They gave me case number # XXXX. 
Somehow XXXX points were restored, but since then I've gotten nowhere with customer service on the remaining missing points. {$910.00} total. 
Here are the details : -Redemption # XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Redemption # XXXX XXXX XXXX Points

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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am receiving repeated phone calls from a man claiming to be with Experian. He said he could make all of my interest rates on all of my accounts become XXXX. I of course declined as this sounds crazy. The person has gotten very angry and will not stop calling from different numbers. He is threatening to have every single XXXX of my accounts shut down and has guaranteed me he can ensure I'm never given another credit line in my life. He says this is what I deserve for not listening to him.

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 2025-02-10 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: IL

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 Experians 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 2025-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
This account was not mine XX/XX/year> XXXX still trying to clear things up that were in my name but that didnt XXXX to me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is, XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but my credit report shows an outdated address as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your cooperation. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I have disputed a XXXXXXXX XXXX XXXX account ( # XXXX ) on my Equifax credit report XXXX times, citing inaccuracies. Despite this, Equifax continues to verify the account without proper investigation or proof, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). The account contains inconsistent data, including a charge-off amount of {$140.00} but a past-due balance of {$520.00}, and possible re-aging, as the reporting date was updated to XX/XX/XXXX despite the account being closed in XXXX. 

This mirrors the CFPBs recent enforcement action against Equifax, where they were fined {$15.00} XXXX for improper dispute investigations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion XXXX Department, I am writing to formally dispute the unauthorized re-insertion of an account from XXXX XXXX XXXX on my credit report. This account had previously been removed but was reinserted without any notification to me, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, if any previously deleted information is reinserted into a consumers credit file, the credit reporting agency is required to provide written notice to the consumer within XXXX business days of the re-insertion. I was not notified of this re-insertion. This lack of communication violates my rights under the FCRA. 

Furthermore, I have concerns that XXXX XXXX XXXX may not have conducted the required reinvestigation under 15 U.S.C. 1681s-2 ( b ) before re-reporting this account. This raises serious questions about the accuracy and legitimacy of the account information being reported.

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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services
State: NV

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. He also violated the Privacy act of 1974 and higher education act which governs student loan privacy..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1400.00} Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1300.00} Account In Dispute : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2300.00} Account in Dispute : XXXX XXXX  Account # : XXXX Reported Balance : {$15000.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1400.00} Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1300.00} Account In Dispute : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2300.00} Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$15000.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/year>, confirming that the fraudulent XXXX XXXX XXXXXXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NC

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 605B of the Fair Credit Reporting Act.

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 2025-02-10 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I asked them to verify it was my debt since i never did business with them and they never responded

Company response to consumer: Closed with explanation