vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: NC

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-22 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: NEW CITY FUNDING CORP.
State: NJ

Complaint narrative:
I am a victim of identity theft and recently discovered that fraudulent accounts were opened in my name without my authorization. I have already reported this issue and need immediate assistance in ensuring these accounts are removed from my credit report. 

Details of the Fraudulent Accounts : New City Funding Corp Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$4800.00} XXXX XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$1500.00} Requested Actions : XXXX. Investigate and facilitate the immediate removal of these fraudulent accounts from my credit report. 
2. Ensure the creditors comply with the Fair Credit Reporting Act ( FCRA ) by blocking and deleting these accounts as they were unauthorized.

3. Confirm that I have no financial liability for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXX XXXX 
The account appears on my credit report with a balance of {$770.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: GA

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-22 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: PA

Complaint narrative:
Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origins. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are the necessary documents for your review.

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 2025-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a victim of identity theft and recently discovered that fraudulent accounts were opened in my name without my authorization. I have already reported this issue and need immediate assistance in ensuring these accounts are removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
On Or around XX/XX/year> I was a victim of Bank Fraud in which I had to file a complaint with The CFPB and it was resolved. This made me begin to also check my credit file with all 3 Bureaus XXXX, Equfax, and Experian. I then noticed some abnormalities with my name, addresses and some accounts. I then filed disputes against all items and found out that Experian had put a freeze on my account due to fraud without notifying me or without my consent. After not recieving any results I took things a step further and filed XXXX XXXX, which was discharged XX/XX/year>. These accounts are still being reported to my credit file and has caused me a great deal of hardship. I am challenging and filing a dispute against Experian under the laws of : 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). I am also challenging and filing a dispute against Equifax under the laws of : 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). I am chellenging and filing a dispute against XXXX under the laws of:15 USC 1681i ( a ), 15 USC 1681i ( a ) ( b ), and 15 USC 1681i ( a ) ( 5 ) ( b ). These companies have been investigated for improper investigations and I believe I am a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my authorization. I did not apply for, open, or use this account, and I believe I am a victim of identity theft. 

Details of the Fraud : The credit card account was opened on XX/XX/XXXX by XXXXXXXX XXXX XXXX 
The account appears on my credit report with a balance of {$1700.00} that I did not incur. 
I first became aware of this fraudulent account on XXXX. XXXX. XXXX when I reviewed my credit report/received a notification. 

Actions Taken : I have reported this identity theft to the FTC at IdentityTheft.gov, and my FTC Identity Theft Report number is XXXX I have also contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to place a fraud alert on my credit file. 
I have reached out to XXXXXXXX XXXX XXXX to dispute the fraudulent account, but they have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-22 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: NJ

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Debt Validation, Deletion, and Credit Report Update [ Accounts Listed Below ] Dear Sir or Madam, I am writing to formally dispute the following accounts on my credit report and to request an immediate investigation, validation, and correction under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Accounts in Dispute : XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX  I previously submitted a debt validation request to the collection agencies associated with these accounts. However, I have yet to receive proper validation in accordance with 15 U.S.C. 1692g of the FDCPA. Furthermore, I have submitted a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, under Complaint ID XXXX. 

If these accounts can not be fully validated with proper documentation, I formally request their immediate deletion from my credit report in compliance with the FCRA and FDCPA. 

Request for Credit Report Update : Additionally, I request that Experian update my credit report with the correct personal information, including : Full Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Social Security Number : when you look at CFPB Complaint It is imperative that my credit file reflects accurate and up-to-date information. Please correct any discrepancies in my name, address, and SSN to ensure my report is accurate.

If I do not receive proper validation or correction of my information within 30 days, I will take the following actions : 1. File additional complaints with the CFPB, FTC, and my states Attorney Generals office for non-compliance.

2. Request deletion of the disputed accounts due to failure to verify.

3. Demand immediate correction of all inaccuracies on my credit report.

Please provide a written response confirming the outcome of this dispute and an updated credit report reflecting the necessary corrections.

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2025-02-22 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:
Complaint Description : I recently discovered that my identity was stolen, and fraudulent accounts and transactions have appeared on my credit report. These unauthorized activities have negatively impacted my credit score and financial standing. 

Details of the Issue : I did not authorize these accounts or transactions. 

I have contacted the credit bureaus ( Experian, XXXX, and XXXX ) to dispute the fraudulent items, but the issue has not been fully resolved. 

I have also reached out to the creditors involved, but I am still facing difficulties in removing these unauthorized accounts from my credit report. 

The fraudulent activity has caused financial harm, including potential denial of credit, increased interest rates, and reputational damage. 


Actions Taken : Reported the identity theft to the Federal Trade Commission ( FTC ) via IdentityTheft.gov. 

Filed disputes with the major credit bureaus. 

Attempted to resolve the issue with the creditors but have not received satisfactory assistance. 

Filed a police report ( if applicable ). 



Requested Resolution : I request that the CFPB intervene to ensure that the credit bureaus and creditors properly investigate and remove all fraudulent accounts and transactions from my credit report. Additionally, I request that my credit file be corrected and any negative impact on my credit score be rectified. 

Here are the following accounts Amex- {$14000.00} XXXX XXXX XXXXXXXX XXXX  XXXX {$4500.00} XXXX XXXX- {$2100.00} XXXX XXXX {$11000.00} XXXX XXXX {$11000.00} XXXX- {$4400.00} XXXX XXXX XXXX- {$45.00} XXXX {$270.00}

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 2025-02-22 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Complaint Description : I recently discovered that my identity was stolen, and fraudulent accounts and transactions have appeared on my credit report. These unauthorized activities have negatively impacted my credit score and financial standing. 

Details of the Issue : I did not authorize these accounts or transactions. 

I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to dispute the fraudulent items, but the issue has not been fully resolved. 

I have also reached out to the creditors involved, but I am still facing difficulties in removing these unauthorized accounts from my credit report. 

The fraudulent activity has caused financial harm, including potential denial of credit, increased interest rates, and reputational damage. 


Actions Taken : Reported the identity theft to the Federal Trade Commission ( FTC ) via IdentityTheft.gov. 

Filed disputes with the major credit bureaus. 

Attempted to resolve the issue with the creditors but have not received satisfactory assistance. 

Filed a police report ( if applicable ). 



Requested Resolution : I request that the CFPB intervene to ensure that the credit bureaus and creditors properly investigate and remove all fraudulent accounts and transactions from my credit report. Additionally, I request that my credit file be corrected and any negative impact on my credit score be rectified. 

Here are the following accounts 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 explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/2025 XXXX XXXX balance {$4500.00} contacted them for foward flow agreement letter as well as the chain of assignment Discover credit card and the amount of XXXX ask them for forward flow agreement in Chain assignment. XXXX XXXX XXXX XXXX XXXX asked for flow agreement in Chain assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-02-22 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: NH

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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