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: NC

Complaint narrative:
I decided to look and see if my personal information has been exposed. To my surprise My information has been compromised with the Equifax and XXXX XXXX XXXX. This is type of discovery terrified me. There are accounts on my consumer report that I know has been questionably. I have decided to file a FTC report, screenshot of the exposure of my personal information. My personal financial and other private information has been exposed to the dark web. There fore I am requesting for a block on all accounts listed within the FTC immediately. I am not requesting for a regular dispute but for 4 days dispute according to Section 605B. See Attachments Below Account Name XXXX XXXX- account Number XXXX XXXX XXXX Account XXXX XXXX XXXXaccount number-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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian credit bureau Equifax credit bureau Subject : Dispute of Debt and Civil Liability for Negligence under California Civil Code Section 16810 Dear Experian, I am writing to formally dispute the debt referenced in your recent communication, with regard to the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I believe that your actions constitute negligence and non-compliance with the requirements under California Civil Code Section 16810. Specifically, I believe that you have violated the regulations surrounding debt collection and, as a result, may be subject to civil liability for your actions.

1. Failure to Provide Proper Documentation As per California law, I am entitled to receive clear, substantiated proof of the debt in question, including a full accounting of the amount owed and the history of the debts assignment. Despite multiple requests, I have not received sufficient documentation that clearly establishes your right to collect this debt.

2. Non-Compliance with Debt Collection Procedures Under Section 16810, debt collectors are required to follow specific guidelines regarding notice of assignment and the verification of the debt. To date, I have not received proper notification of any assignment or sale of the debt, nor have I been informed in writing about the specifics of the creditors identity. This failure to comply with these regulations is in direct violation of California law.

3. Negligence in Debt Collection Practices Your failure to adhere to the statutory guidelines has resulted in undue hardship, harassment, and potential financial damage to my personal and professional standing. The improper handling of my debt has exposed me to unnecessary risk and confusion. As such, I believe that your actions can be deemed negligent under the law, making you liable for civil penalties under California Civil Code Section 16810.

I request the following : Immediate suspension of any further collection efforts on this debt until the issues are resolved.

Provision of all relevant documentation proving your legal right to collect this debt and the chain of ownership from the original creditor.

Confirmation that you have complied with all applicable debt collection regulations, including notice requirements under California Civil Code Section 16810.

Please note that I am prepared to pursue all available legal remedies if this issue is not resolved promptly. I expect a response within 30 days from the date of this letter. 

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

Sincerely, XXXX XXXX

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: MA

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 2025-02-04 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: TX

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NC

Complaint narrative:
Ive had my cashapp for XXXX  years now I just had a couple of unauthorized transactions that I couldnt get my money back for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clarkson Law Firm, LLC
State: SC

Complaint narrative:
The creditor XXXX XXXX, XXXX ( " XXXX  '' ) is being represented by XXXX XXXX XXXX  who demand letter was sent out XX/XX/XXXX not XX/XX/XXXX as stated on the attached document. I agreed to payment plan where I have a notarized agreement for {$50.00} every two weeks. I spoke to representative Precious on XX/XX/XXXX and she inform me that no payment was made schedule for XX/XX/XXXX due to the payment plan not arriving in the office until XX/XX/XXXX. I ask for communication be submitted in writing ; and to cease and deceit any telephone contact with me. The new payment was schedule for XX/XX/XXXX and as of today no payment was made. As of today, I received two unknown calls from XXXX and XXXX XXXX XXXX, in regards to this account even though I ask to cease and deceit all telephone communications with this Law Firm. Today, at XXXX and XXXX XXXX XXXX a left message for me to call him and when I called to him back I stated that any communications needs be written communication. 

Now this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I have made it clear that I want all communication to be written yet they still are violated and harassing me on federal property my place of employment. This practice is unacceptable and is in violation of statue ( 12 C.F.R. 1006.6, 1006.14 ) of the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/XXXX statement charged XXXX interest Called them issued credit for XXXX XXXXXXXX interest XX/XX/XXXX statement charged XXXX interest XX/XX/XXXX charged XXXX interest called twice Was told computer does not mistake. 

This is j c penny Mastercard through Syncrony bank. Closed account months ago and have not charged since then.

They can lookup account number with my Cellphone number Thank you 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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: 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: GA

Complaint narrative:
I am submitting this formal complaint regarding Equifaxs and Experians failure to ensure the accuracy of my credit report and conduct a complete investigation into a disputed account reported by XXXX XXXX XXXX. Equifax and XXXX have not adhered to their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The inaccuracies on my credit report are as follows : 1.Upon reviewing my credit report, I noticed a discrepancy inaccurate information. dates and details differ from those reported by the credit bureaus. The date of when the account allegedly was open differ on each credit bureaus. 
2. XXXX XXXX XXXX has not provided any evidence that I own this debt. Specifically, they have failed to produce a signed contract or any documentation proving that I am liable for the alleged debt with their company and myself. Equifax and XXXX has failed to provide proper investigation and proof the investigation. 
3.This debt from XXXX XXXX XXXX XXXX not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Violations and Inaccuracies : 1. Future Dates ( Date Last Active and Last Reported ) Violation : The Date Last Active and Last Reported are listed as XXXX XXXX XXXX which is a date in the future. All credit reporting information must be accurate and current. 

Impact : This violates the Fair Credit Reporting Act ( FCRA ), which requires all information reported must be verifiable and accurate. This incorrect date could potentially mislead the credit scoring model and extend the reporting period of this negative item. 

2. Closed Account with a Balance Violation : The account is listed as Closed, yet it still shows a balance of {$17000.00}. If the account is closed, it should not show a balance unless explicitly stated as a charge-off. 

Impact : This discrepancy can mislead the creditor and negatively affect your credit score by inaccurately reflecting the debt status.

3. Charge-Off Status Violation : The account is listed as a Charge-Off but does not clearly indicate whether it was sold or transferred to a collection agency, which creates ambiguity. 

Impact : The FCRA requires clear and accurate reporting of debt ownership. If the account was sold or transferred, it should be clearly stated. 

4. Missing Critical Information Violation : The account is missing essential details, including : Date of Last Payment High Credit ( original credit amount ) Past Due Amount Impact : Incomplete reporting violates the FCRAs requirement for completeness. These missing details make it difficult for the consumer to verify the accuracy of the debt.

5. Comments : Profit and Loss Write-Off Violation : The comment indicates that the account was charged off. However, if the balance remains at {$17000.00}, this could indicate double reporting or unclarified debt ownership. 

Impact : Inaccurate or unclear charge-off information may mislead future creditors and extend the negative reporting period.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX is refusing to abide by the laws of the fair credit reporting act I have requested the account be blocked from all credit reports in accordance with 15usc1681c2 fcra 605b the information is fraudulent and I've sent proof that nothing was received on my behalf and XXXX refuses to remove this account from my consumer reports

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX, a debt from XXXX XXXX XXXX. was allegedly sold to Portfolio Recovery Associates. I was never provided with the legally required debt validation notice within five ( 5 ) days of initial contact, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). This notice should have informed me of my right to dispute the debt within 30 days and required the collector to provide verification upon request. 

As of XX/XX/XXXX, Portfolio Recovery Associates has reported this debt as a collection account with a balance of {$4700.00}. Since I was never notified of my dispute rights, I was denied the opportunity to challenge or validate the legitimacy of this debt, which is a violation of federal law and CFPB Regulation F ( 12 CFR 1006.34 ).

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: NY

Complaint narrative:
It is very unfortunate that it has com to this, However, I am writing to address a pressing issue regarding fraudulent accounts that have been mistakenly attributed to my name. 

I DID NOT open an account with XXXX  XXXX XXXX on XXXX XXXX XXXX, which has since been charged off, resulting in an outstanding balance of {$270.00}. To Date I do have an account an OPENED account with XXXX XXXX  XXXX, I have contacted XXXX XXXX  XXXX to report the fraudulent charges, and the identity theft and they have assured me that these charges will be removed. 

Additionally, I have reached out to the credit bureaus to notify them of the identity theft. I provided the necessary documentation, including the FTC report, an identity theft affidavit, and my New York State identification card, along with a cover letter detailing the situation. 

It is crucial to note that the accounts in question, specifically with XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX do not belong to me. They are a result of my former roommate using my identification without my consent and in an illegal manner. 

I am increasingly concerned about how the credit bureaus have been handling this matter. Despite my repeated notifications that these accounts do not belong to me, they remain on my credit report, affecting my professional opportunities and unfairly tarnishing my reputation. 

Your assistance in resolving this matter would be greatly appreciated. I am eager to ensure the prompt removal of these fraudulent accounts so I can move forward without further complications. 

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

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: EQUIFAX, INC.
State: NY

Complaint narrative:
It is very unfortunate that it has com to this, However, I am writing to address a pressing issue regarding fraudulent accounts that have been mistakenly attributed to my name. 

I DID NOT open an account with XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX, which has since been charged off, resulting in an outstanding balance of {$270.00}. To Date I do have an account an OPENED account with XXXX XXXX  XXXX, I have contacted XXXX XXXX  XXXX to report the fraudulent charges, and the identity theft and they have assured me that these charges will be removed. 

Additionally, I have reached out to the credit bureaus to notify them of the identity theft. I provided the necessary documentation, including the FTC report, an identity theft affidavit, and my New York State identification card, along with a cover letter detailing the situation. 

It is crucial to note that the accounts in question, specifically with XXXX XXXXXXXX XXXX and XXXX XXXX XXXX , do not belong to me. They are a result of my former roommate using my identification without my consent and in an illegal manner. 

I am increasingly concerned about how the credit bureaus have been handling this matter. Despite my repeated notifications that these accounts do not belong to me, they remain on my credit report, affecting my professional opportunities and unfairly tarnishing my reputation. 

Your assistance in resolving this matter would be greatly appreciated. I am eager to ensure the prompt removal of these fraudulent accounts so I can move forward without further complications. 

Thank you for your attention to this serious issue. I look forward to your prompt 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: NY

Complaint narrative:
It is very unfortunate that it has com to this, However, I am writing to address a pressing issue regarding fraudulent accounts that have been mistakenly attributed to my name. 

I DID NOT open an account with XXXX  XXXX XXXX on XXXX XXXX XXXX, which has since been charged off, resulting in an outstanding balance of {$270.00}. To Date I do have an account an OPENED account with XXXX  XXXX XXXX, I have contacted XXXX XXXX  XXXX to report the fraudulent charges, and the identity theft and they have assured me that these charges will be removed. 

Additionally, I have reached out to the credit bureaus to notify them of the identity theft. I provided the necessary documentation, including the FTC report, an identity theft affidavit, and my New York State identification card, along with a cover letter detailing the situation. 

It is crucial to note that the accounts in question, specifically with XXXX XXXX XXXX and XXXX XXXXXXXX XXXX , do not belong to me. They are a result of my former roommate using my identification without my consent and in an illegal manner. 

I am increasingly concerned about how the credit bureaus have been handling this matter. Despite my repeated notifications that these accounts do not belong to me, they remain on my credit report, affecting my professional opportunities and unfairly tarnishing my reputation. 

Your assistance in resolving this matter would be greatly appreciated. I am eager to ensure the prompt removal of these fraudulent accounts so I can move forward without further complications. 

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

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 — 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 disputed outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

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 proce 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 5 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation