vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: KS

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. I am a victim of identity theft, these remarks have been detrimental to my life and credit health.

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 2025-01-26 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: CA

Complaint narrative:
This is my second time going and submitting the appropriate information and I keep getting push back when I have provided all correct documents- They keep saying they have reached out to me for a second time but I never get that communication. Just as a reminder I have had consultation so I know I have provided the appropriate documents so please delete and block the information in the allotted time ( 4 Days ) so that I can move on please. I am writing in response to the information I submitted to your company regarding my debt bondage situation. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed were self-attestation, a picture ID, a bill, and a letter from an advocacy group helping me due to debt bondage, which falls under 605c according to Fair Credit Reporting Act ( FRCA ) I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW are required. Which I have provided both, my documentation as well as an attestation validated by XXXX representative. Victim determination according to 1022.142 ( b ) ( 6 ) A self-attestation by a consumer ( myself ) who Identifies as a victim of debt bondage which is included in the CFPB XXXXFCRA FINAL FACT. I have provided all appropriate documentation and I am in compliance under the Final Rule ( effective date July 25, 2022 ) which established me as a victim of debt bondage. Once again I will Please ask you to block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Very RESPECTFULLY, PLEASE DELETE AND BLOCK the requested information on this request which is the same as the previous request that you did not block. The documents that are need and included in my attached are ( 1 ) Proof of identity, I sent my CLEAR copy of my drivers license, ( 2 ) victim determination letter ( XXXX ) a self-attestation, provided that it is signed by a representative from a authorized XXXX. ( 3 ) Identification of adverse information I provided the adverse Items that needed to be deleted and blocked I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of this information from my credit report. Thank you for your understanding and cooperation. Please contact me by email at : 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I sent a XXXX payment to the wrong person and i just lost out on my money because they said once its sent it can be retrieved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX  is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 2. I request that XXXX XXXX  be required to verify and correct any inaccurate information. 3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX  Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX  is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 2. I request that XXXX XXXX  be required to verify and correct any inaccurate information. 3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. Thank you for your 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed while using XXXX. I transferred money for a purchase and was not given proper warnings of potential scam/fraud and as a result, did not get my money back and my bank ( Wells Fargo ) didnt do anything to resolve the issue.

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 2025-01-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , GA XXXX ACCOUNT NUMBER : XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX Subject : Cease and Desist Request for Deletion of Collection Account Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company reports an inaccurate or incomplete collection account. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose. 
2. A detailed account statement showing the amount of the debt, including any fees or interest. 
3. Date of Last Activity. 
4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
5. Documentation confirming that you have the legal right to collect this debt. 
6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 
2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NY

Complaint narrative:
Equifax has failed to fulfill its illegal 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 Equifax, 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 Equifax 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 Equifax 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WV

Complaint narrative:
Cash app let my account be hacked my money took after me telling them idk the person a.d did t approve the transaction. And then they said sorry was nothing theycould do on their end .... and then they shut account down!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account name XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XX/XX/XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Experian, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2 ( a ) Accounts in Question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 



Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 



Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 



Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 



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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My Barclay Card and XXXX card have on multiple occasions lowered my credit limit multiple times making it look like Ive reached my limit and causing issues with my credit score. Ive paid in time and Ive even locked my cards so they are not used while I pay them down. How is this legal for them to lower the lower limit making it look like Ive abused my credit when in fact I had plenty line of credit. I spoke to them and they said they received. Information without my consent from the credit bureaus. Im confused if Im paying on time as well as paid the cards off multiple times why am I and others being punished. It makes no sense

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am requesting the deletion of an inaccurate and duplicate account on my consumer credit report. After reviewing my credit report, I am NOT responsible for this duplicate and inaccurate account.

15 U.S. Code and 1681c-2, a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt. It has been 30 days, and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other By the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section which states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 3 ) clearly states If the com
pleteness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the duplicate account listed IMMEDIATELY!

I demand you cease under federal laws 15 U.S.C 1692c ( c ), and you are in violation if you continue to report this inaccurate information. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of this account listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove the unverified, invalid, and derogatory account from my consumer report. 

The consumer report that was prepared under my social security number is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act.

Ive listed the following duplicate inaccurate information below from my Consumer Report that needs to be removed.

Company response to consumer: Closed with explanation