vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent a dispute letter to Equifax, Experian and Transunion to inform them of the incorrect information on my credit report. It has been more than 30 days and the inaccuracies have not been corrected. The following information is incorrect and needs to be updated or since it is longer than thirty days it needs to be deleted : US BKPT CT FL XXXX - XXXX - The filed/reported dates are inaccurate across the three bureaus, the discharge date is reporting inaccurately as well.

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 2025-03-26 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: VA

Complaint narrative:
these inquiries and collection is reporting falesy I have no knowledge of them. 
Inquiries : 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 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 collection from XXXX XXXX XXXX XXXX XXXX {$350.00} opened XX/XX/XXXXXXXX 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 2025-03-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
these inquiries and collection is reporting falesy I have no knowledge of them. 
Inquiries : 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 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 collection from XXXX XXXX XXXX XXXX XXXX {$350.00} opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-26 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: PA

Complaint narrative:
This morning, I noticed some incorrect accounts appearing on my credit report, and I have no clue why. I routinely check my report, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the inaccurate accounts remained. Given this issue, I request a thorough review of the documents Ive submitted so I can have peace of mind moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: PA

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 2025-03-26 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: NJ

Complaint narrative:
Today XX/XX/XXXX, I pulled my Equifax credit report to check to see if an account that I disputed by phone previously was removed. Unfortunately, the account is still showing on my credit report. The account reflects information that I am not associated with and can't have possibly opened due to the fact that it was opened on XX/XX/XXXX. I am XXXX XXXX XXXX, born XX/XX/XXXX. The account is with XXXX, which was founded on XX/XX/XXXX. With that being said, this information should not be reflected on my credit report as it is hindering my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX - XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  for a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am disputing a collection account with reference number XXXX, which was reported under the name XXXX XXXX XXXX. This is not my legal name. My full legal name is ngel XXXX XXXX XXXX. 

This discrepancy violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy. It also violates 15 U.S.C. 1681i, which gives me the right to dispute any inaccurate or unverifiable information and have it deleted immediately if it can not be verified.

I am requesting CFPBs involvement because both the original creditor and the collection agency failed to report accurate personal information. This account was assigned to a name that does not legally belong to me, and there is no valid documentation linking my identity to this debt. 

I do not authorize any correction of the name. This information is inaccurate from the start and must be permanently deleted from my credit report as required by law. 

Attached to this complaint are the following documents : A copy of the letter sent by XXXX XXXX XXXX XXXX XXXX XXXX showing the incorrect name A copy of my government-issued ID with my correct legal name A utility bill as proof of address I respectfully ask the CFPB to investigate this matter and provide a written response with the outcome of this complaint. As a consumer, I trust my rights will be protected under the FCRA. 

Sincerely, ngel XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  for a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am disputing a collection account with reference number XXXX, which was reported under the name XXXX XXXX XXXX. This is not my legal name. My full legal name is ngel XXXX XXXX XXXX. 

This discrepancy violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires credit reporting agencies to maintain procedures to ensure maximum possible accuracy. It also violates 15 U.S.C. 1681i, which gives me the right to dispute any inaccurate or unverifiable information and have it deleted immediately if it can not be verified.

I am requesting CFPBs involvement because both the original creditor and the collection agency failed to report accurate personal information. This account was assigned to a name that does not legally belong to me, and there is no valid documentation linking my identity to this debt. 

I do not authorize any correction of the name. This information is inaccurate from the start and must be permanently deleted from my credit report as required by law. 

Attached to this complaint are the following documents : A copy of the letter sent by XXXX XXXX XXXX XXXX XXXX XXXX showing the incorrect name A copy of my government-issued ID with my correct legal name A utility bill as proof of address I respectfully ask the CFPB to investigate this matter and provide a written response with the outcome of this complaint. As a consumer, I trust my rights will be protected under the FCRA. 

Sincerely, ngel XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau regarding the inaccurate reporting of an account referenced as XXXX on my credit report. This account has been reported by XXXX and has caused severe fluctuations in my credit score, which has significantly impacted my ability to obtain credit. I believe the reporting of this account is inaccurate, and I request your assistance in addressing this issue. 

Specifically, XXXX has failed to conduct a thorough investigation of this account, leading to radical up-and-down changes in my credit score. This inconsistency is not only damaging my financial health but also preventing me from accessing credit opportunities. I have previously attempted to resolve this issue directly with XXXX, but I believe their investigation was insufficient, and they have not taken the necessary corrective actions. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate credit reporting, and I request that the Consumer Financial Protection Bureau assist me in ensuring that XXXX properly investigates and corrects this error. Additionally, the account in question has been reported to the Federal Trade Commission ( FTC ) under FTC Case # XXXX, which further highlights the seriousness of this matter. 

I would appreciate your assistance in ensuring that XXXX conducts a full investigation and rectifies the inaccurate information on my credit report. Please feel free to contact me for any additional information or clarification. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts listed are NOT MINE & UNAUTHORIZED! Im a victim of the equifax data breach 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

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 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off account reported by Capital One on my credit report. The XXXX accounts in question are : XXXX balance {$2400.00}, and {$5100.00} is being inaccurately reported and must be removed due to its involvement in the securitization process. 

It is my understanding that once an account has been securitized, the original creditor no longer retains ownership of the debt. As such, Capital One may have relinquished its legal standing to report or enforce the alleged balance as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to address a concern regarding the above-referenced account, which is reported on my credit file as a charged-off account with an open balance of {$290.00} as of XX/XX/year>. 
Because this account was charged off, I respectfully request that you provide a 1099 form so I may appropriately file this information with my taxes. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you provide clarification on the rule that allows a charged-off account to show a current balance, as this appears to be inaccurate reporting. 
Furthermore, please be advised that I have submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding this inaccurate reporting on my credit file. 
I kindly ask for your prompt attention to this matter. Please send your response and any supporting documentation to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX- XXXX XXXX XXXX, reference XXXX XXXX and XXXX XXXX XXXX XXXX Account XXXX 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 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 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: MO

Complaint narrative:
I am not aware of this debt and it is over a year old and closed out, but still shows as active on my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute my student loan account due to a violation of the Family Educational Rights and Privacy Act ( FERPA ) and a breach of my personal data. I recently became aware of unauthorized disclosures of my personally identifiable information ( PII ), which directly impact my loan account and my financial security. 

Under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), my educational records and personal data should have been protected from unauthorized access and disclosure. However, I have reason to believe that my information was improperly handled, which may have led to unauthorized transactions, fraudulent activity, or mismanagement of my loan account. 

Additionally, I have been notified of a potential data breach involving my student loan information, which has put my financial identity at risk. This breach is a direct violation of my rights and calls into question the legitimacy and security of my student loan records. 

Given these circumstances, I request the following actions : A complete investigation into how my personal and loan-related information was compromised.

Verification and correction of any inaccuracies in my student loan records resulting from this breach.

A hold or suspension on any loan payments until this matter is fully resolved. 

A written statement outlining the actions taken to protect my data and prevent further violations. 

Please provide me with a response within 30 days of receipt of this letter, as required under applicable federal regulations. If necessary, I am prepared to escalate this matter to the XXXXXXXX XXXX XXXX XXXX  and pursue further legal action. 

I appreciate your prompt attention to this serious matter. You may contact me via phone or email to discuss this dispute further. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: MN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-03-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've tried on several occasions to dispute inaccurate credit reporting and even credit accounts that were not mine and closed accounts that were still on my credit report I received the very negative response from experience stating that they investigated and I was wrong and these debts are valid which they're not

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