vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
When I checked my credit report this morning, I was surprised to find incorrect accounts listed, and I have no idea how they appeared. I regularly monitor my report, but this time, I noticed discrepancies that were never there before. I even refreshed my browser, thinking it might be a glitch, but the errors persisted. Due to this issue, I am requesting a careful review of the documents I have provided so that I no longer have to worry about this problem.

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 2025-02-08 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, a charge-off account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXX XXXXXX/XX/XXXX under XXXX account XXXX ( XXXX ), a collections account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX ( XXXX ), a collections account opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under XXXX account XXXX ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, a charge-off account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXX XXXXXX/XX/XXXX under XXXX account XXXX ( XXXX ), a collections account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX ( XXXX ), a collections account opened at XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under XXXX account XXXX ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-02-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA XXXX ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XXXX XXXX  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681. 
_____________________________________________

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN & EQUIFAX ARE ALLOWING FALSE INFORMATION TO BE REPORTED TO MY CREDIT WITHOUT ANY PROOF OF IT BELONGING TO ME. I HAVE CONTACTED THEM ON MULTIPLE OCCASIONS IN REFRESH TO REMOVING THE FALSE INFORMATION BUT THEY'VE REFUSED TO IN ALL ASPECTS POSSIBLE. THEY HAVE NO PROOF OF ADDRESS, PHONE NUMBER OR ANY OTHER FORM IF IDENTIFICATION TO PROVE HOW THESE NEGATIVE ACCOUNTS 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EXPERIAN & EQUIFAX ARE ALLOWING FALSE INFORMATION TO BE REPORTED TO MY CREDIT WITHOUT ANY PROOF OF IT BELONGING TO ME. I HAVE CONTACTED THEM ON MULTIPLE OCCASIONS IN REFRESH TO REMOVING THE FALSE INFORMATION BUT THEY'VE REFUSED TO IN ALL ASPECTS POSSIBLE. THEY HAVE NO PROOF OF ADDRESS, PHONE NUMBER OR ANY OTHER FORM IF IDENTIFICATION TO PROVE HOW THESE NEGATIVE ACCOUNTS BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Not sure of actual dates, or amounts. The address is wrong, and I information was, also, a part of the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My car was totaled, car was paid off by insurance but bank is still reporting negatively on credit report. Dont have the car and is not in my possession. I called them and they still arent correcting it. 

Delete all derogatory marks on my credit profile containing an automobile.

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 2025-02-10 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Mercari, Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against Mercari, a foreign-owned e-commerce platform, for fraudulent billing practices and deceptive fees that have resulted in financial loss for myself and many other U.S. sellers .

I recently made a sale on Mercari, only to be hit with a fraudulent shipping surcharge. Mercari claimed that XXXX charged me {$130.00} for an overweight package fee. However, when I contacted XXXX directly, they confirmed the actual charge was only $ XXXXmeaning Mercari pocketed the difference of {$86.00} from my earnings without justification.

When I contacted Mercari for proof, they refused to provide documentation, claimed they could not verify the charge with FedEx, and dismissed my request by saying the transaction was already closed. This is not an isolated incidentmany sellers report similar experiences of Mercari inflating fees, withholding earnings, and refusing to offer transparency or recourse.

Given that Mercari is a foreign company profiting from U.S. consumers, I believe this warrants urgent regulatory oversight. Their recent stock surge suggests they are maximizing profits at the direct expense of American users through unethical and possibly illegal practices.

I respectfully request that the CFPB investigate Mercari 's billing practices and ensure they are not engaging in consumer fraud. I have already filed complaints with the FTC, XXXX and XXXX Attorney General, but I believe federal intervention is necessary to hold Mercari accountable and prevent further exploitation of U.S. consumers. 

Please let me know if you require further details or documentation. I appreciate your time and assistance in addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
The information is not mines please remove it from my report please

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 2025-02-08 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: IL

Complaint narrative:
The information is not mines please remove it from my report please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
I recently viewed copies of my ( Equifax, Experian and TransUnion ) consumer reports and noticed that XXXX XXXX XXXX XXXX is reporting a charge off for the following account ( XXXX ) on the following date ( XXXX ) : Account # XXXX with a balance of {$580.00} reported / last reported XX/XX/year> A charge off is considered a certificate of indebtedness which means it is income and must be removed. Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED. Also, I request they forward me a copy of the XXXX that they are required to file with the IRS so i may prepare my tax and report the discharged by their company.

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 2025-02-08 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies like XXXX, Equifax and XXXX have a legal duty to handle consumer information with fairness, impartiality, and respect for privacy. As a consumer, I have the right to protect my private information from being shared, as reinforced by 15 USC 6801, which states that financial institutions must safeguard the security and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report if they have written consent from the consumer. I have not given Equifax, XXXX, XXXX or any financial institution ( furnisher of information ) my written consent to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not share nonpublic personal information with a nonaffiliated third party unless the consumer is informed of their right to opt out. I was never notified of this right. Additionally, under 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a report if it is older than seven years, except for criminal convictions. The reporting of this account is an adverse action and is being done unlawfully.

15 USC 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies. Additionally, 15 USC 1681e requires consumer reporting agencies to establish reasonable procedures to prevent violations of 1681c and ensure reports are only furnished for legally authorized purposes. XXXX, Equifax and XXXX are failing to comply with these obligations. 

Finally, under 12 CFR 1016.7, I have the right to opt out of information sharing at any time. I am formally exercising my right to opt out of your reporting services.

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 2025-02-08 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), consumer reporting agencies like XXXX, Equifax and XXXX have a legal duty to handle consumer information with fairness, impartiality, and respect for privacy. As a consumer, I have the right to protect my private information from being shared, as reinforced by 15 USC 6801, which states that financial institutions must safeguard the security and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report if they have written consent from the consumer. I have not given Equifax, XXXX, XXXX or any financial institution ( furnisher of information ) my written consent to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not share nonpublic personal information with a nonaffiliated third party unless the consumer is informed of their right to opt out. I was never notified of this right. Additionally, under 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information in a report if it is older than seven years, except for criminal convictions. The reporting of this account is an adverse action and is being done unlawfully.

15 USC 1681s-2 ( A ) ( 1 ) ( A ) prohibits any entity from furnishing inaccurate information to consumer reporting agencies. Additionally, 15 USC 1681e requires consumer reporting agencies to establish reasonable procedures to prevent violations of 1681c and ensure reports are only furnished for legally authorized purposes. XXXX, Equifax and XXXX are failing to comply with these obligations. 

Finally, under 12 CFR 1016.7, I have the right to opt out of information sharing at any time. I am formally exercising my right to opt out of your reporting services.

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 2025-02-08 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: GA

Complaint narrative:
I recently viewed copies of my ( Equifax, Experian and TransUnion ) consumer reports and noticed that XXXX XXXX XXXX XXXX is reporting a charge off for the following account ( XXXX ) on the following date ( XXXX ) : Account # XXXX with a balance of {$580.00} reported / last reported XX/XX/year> A charge off is considered a certificate of indebtedness which means it is income and must be removed. Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED. Also, I request they forward me a copy of the XXXX that they are required to file with the IRS so i may prepare my tax and report the discharged by their company.

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 2025-02-08 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:
I recently viewed copies of my ( Equifax, Experian and TransUnion ) consumer reports and noticed that XXXX XXXX XXXX XXXX is reporting a charge off for the following account ( XXXX ) on the following date ( XXXX ) : Account # XXXX with a balance of {$580.00} reported / last reported XX/XX/year> A charge off is considered a certificate of indebtedness which means it is income and must be removed. Per the IRS charge offs are considered income and the reporting of this account is prohibited. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT and thus MUST BE REMOVED. Also, I request they forward me a copy of the XXXX that they are required to file with the IRS so i may prepare my tax and report the discharged by their company.

Company response to consumer: Closed with non-monetary relief