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

Complaint narrative:
I am writing to formally request your assistance in resolving a matter regarding incorrect accounts listed on my credit report. I have previously filed a dispute with the credit bureaus, but the following accounts remain on my report despite my claim that they do not belong to me : XXXX XXXX XXXX Account Type : Auto Lease Reported : XX/XX/XXXX Balance : {$45000.00} Past Due : {$45000.00} XXXX XXXX  Account Type : Credit Card Reported : XX/XX/XXXX XXXX XXXX XXXX Account Type : Debt Buyer Account Reported : XX/XX/XXXX Balance : {$990.00} Past Due : {$990.00} Additionally, I have identified the following inquiries related to these accounts that I believe are inaccurately associated with my name : XXXX Date of Inquiry : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Limit : {$700.00} Past Due : {$980.00} Despite my dispute, these accounts and inquiries continue to appear on my credit report. I am requesting that these accounts be investigated and removed from my credit file, as they do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable, and I ask that these accounts be removed from my credit report as they fail to meet these requirements.

Further, the continued reporting of these accounts despite my dispute may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the reporting of erroneous information by debt collectors. Given the lack of resolution from the credit bureaus, I am requesting your intervention in ensuring that these inaccuracies are corrected promptly.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure the removal of these incorrect accounts 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 2025-02-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request your assistance in resolving a matter regarding incorrect accounts listed on my credit report. I have previously filed a dispute with the credit bureaus, but the following accounts remain on my report despite my claim that they do not belong to me : XXXX XXXX XXXX Account Type : Auto Lease Reported : XX/XX/XXXX Balance : {$45000.00} Past Due : {$45000.00} XXXX XXXX  Account Type : Credit Card Reported : XX/XX/XXXX XXXX XXXX XXXX Account Type : Debt Buyer Account Reported : XX/XX/XXXX Balance : {$990.00} Past Due : {$990.00} Additionally, I have identified the following inquiries related to these accounts that I believe are inaccurately associated with my name : XXXX Date of Inquiry : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Limit : {$700.00} Past Due : {$980.00} Despite my dispute, these accounts and inquiries continue to appear on my credit report. I am requesting that these accounts be investigated and removed from my credit file, as they do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to dispute any information that is inaccurate, incomplete, or unverifiable, and I ask that these accounts be removed from my credit report as they fail to meet these requirements.

Further, the continued reporting of these accounts despite my dispute may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the reporting of erroneous information by debt collectors. Given the lack of resolution from the credit bureaus, I am requesting your intervention in ensuring that these inaccuracies are corrected promptly.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure the removal of these incorrect accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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 already submitted information pertaining to my file held at Transunion and they have not provided me with proper verification which is in direct violation of the following codes. 15 U.S.C. 1681 ( General provisions ) 15 U.S.C. 1681i ( Dispute resolution and verification process ) 15 U.S.C. 1681s-2 ( Furnisher responsibilities ) according to the last complaint they said one account was unverified and the other was verified.

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 2025-02-02 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) - According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

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 2025-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I lost {$1400.00} through Chime and I asked them about is as fraud they said they would investigate it they reply beck later and said they did not find any fraud in this trans which is wrong now they will not help me on this issue and wont talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MN, XXXX XXXX XX/XX/year> Good morning to whom this may concern. I was taking a look at my most recent credit report and noticed that an account UPGRADE ACCOUNT XXXX is still reporting inaccurately. I have asked many times for this account to be PROPERLY Investigated but yet you have FAILED your legal obligations. 
You have REPORTED A HIGH CREDIT : XXXX this is INACCURATE how can it be XXXX? When my statement shows XXXX? 
I was NEVER LATE ON THIS ACCOUNT : PROVIDE DOCUMENTATION TO ADDRESS LISTED ABOVE OR UPDATE TO PAID AS AGREED NEVER LATE OR REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. 

High Credit : {$7700.00} I never received a loan of XXXX from UPGRADE ACCOUNT XXXX therefore you are manipulating my credit report and creditworthiness with inaccurate and erroneous information. I am in the process of BUYING A HOUSE for my family and your violation of my consumer rights is keeping me from XXXX HOUSE. 


You have REPORTED a HIGH CREDIT : XXXX this is INACCURATE I was NEVER LATE ON THIS ACCOUNT : UPDATE TO PAID AS AGREED NEVER LATE OR REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. 

I have attached a copy of my credit report and Identifying information below. 

I HOPE THIS GETS RESOLVED IN A TIMELY MANNER THANK YOU

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

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX account listed on my credit report. After reviewing my reports from Experian, Equifax, and TransUnion, I have noticed that I am not familiar with the account listed. The account is also being reported inconsistently across the bureaus, such as the account number and the payment history.

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

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 2025-02-02 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: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of information on my credit reports by the credit bureaus, which has resulted in inconsistent and incorrect credit scores across different agencies. These inaccuracies are directly impacting my financial stability and ability to secure necessary credit opportunities. Despite my efforts to dispute these errors, the credit bureaus have failed to correct the misinformation, and representatives have not taken appropriate action to resolve this issue. 

As a service member who has honorably served this country, it is unacceptable that I am being treated in this manner. The failure of the credit bureaus to report accurate information is not just an inconvenienceit has serious consequences. This type of negligence is exactly how service members, who have sacrificed for this nation, find themselves struggling financially and even facing homelessness. The lack of accountability in credit reporting systems creates undue hardship on those who have served and should be addressed immediately. 

I am requesting immediate investigation and correction of the inaccuracies on my credit report. I expect the CFPB to hold the credit bureaus accountable for their failure to ensure fair and accurate reporting. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
- Name : XXXX XXXX - Date of Birth : XX/XX/XXXXXXXX  - Address : XXXX XXXX XXXX, XXXX, MI XXXX - Phone Number : XXXX - Email : XXXX Account Information Being Disputed : - Creditor Name : EASTERN ACCOUNT SYSTEM - Account Number : XXXX - Original Creditor : XXXX XXXX  Reason for Dispute : I have no knowledge of this account and did not authorize its creation. I believe this account was opened fraudulently. 

Supporting Information : 1. I noticed this account on my credit report and immediately recognized it as fraudulent.

2. This account has negatively impacted my credit score and needs to be removed promptly. 
3. Attached is proof of the account 's removal from my XXXX credit report as evidence that this account has already been identified as fraudulent. 
Balance details 0 % paid off Balance {$420.00} Balance updated XX/XX/XXXX Original balance {$420.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I would often be able to transfer money to various family members as well as make secure transactions without the worry of fraud. Or so I thought. There were several accounts of suspicious transactions that would occur in my account, and when I would report or dispute the actions there would be no assistance provided. Instead my account was unfortunately closed and the remainder of my funds were returned back to my primary bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Requested information for dispute company could not prove information and all credit bureaus are being sued to breaches.

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

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/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 2025-02-02 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/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 2025-02-02 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDNXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDNXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc.
State: ID

Complaint narrative:
XXXX was paying off my credit cards with lower interest rate. With a monthly payment made by myself. They closed and passed off the loan to sst without my knowledge. I thought that sst was a scam. How am I responsible for XXXX to pay off credit cards to help lock in lower apr. that was never paid on my behalf? Why do I owe a company I never agreed to sign up for but now saying I owe over XXXX for money that I never received and XXXX for money that was never paid to my credit card agent? I have been scammed.

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

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX account listed on my credit report. After reviewing my reports from Experian, Equifax, and TransUnion, I have noticed that I am not familiar with the account listed. The account is also being reported inconsistently across the bureaus, such as the account number and the payment history.

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 2025-02-02 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX account listed on my credit report. After reviewing my reports from Experian, Equifax, and TransUnion, I have noticed that I am not familiar with the account listed. The account is also being reported inconsistently across the bureaus, such as the account number and the payment history.

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

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