vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: AZ

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report referenced below, as they are the result of a data breach or fraud. Additionally, I demand verifiable proof, including my signature or electronic signature, for any alleged authorization of these accounts or inquiries. 

This letter is submitted on my behalf, not through a third party, and I request that you review it carefully. I have never authorized these actions, and their presence on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically : FCRA Section 605B [ 15 U.S.C. 1681c-2 ] mandates the blocking of information resulting from a data breach or fraud.

FCRA Section 604 [ 15 U.S.C. 1681b ] outlines the permissible purposes of consumer reports, which these inquiries and accounts do not meet. 
I have contacted the reporting companies and found that these actions were initiated without proper validation or original proof. Since I never authorized them, these accounts and inquiries are inaccurate and must be removed from my credit report. Their continued presence constitutes the illegal reporting of my consumer information by creditors and/or third-party data furnishers. 

Please take immediate action to investigate and remove these fraudulent accounts and inquiries. I appreciate your prompt attention to this matter and expect a timely response in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
I have had a few problems with cashapp. Most times you couldn't get anyone to answer and other times they would give you the runaround and I have had a few charges that I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: OH

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

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 2025-02-13 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: CA

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Formal Dispute Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance To Whom It May Concern, I am formally disputing the inaccurate and/or misleading information on my credit report and asserting my rights under 15 U.S.C. 1681o, which holds consumer reporting agencies liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this matter of incorrect account details, your agency has failed to conduct a reasonable investigation or correct the erroneous reporting. This negligence has directly harmed my financial standing, impacting my ability to secure credit, employment, or housing. 

I demand an immediate reinvestigation and correction of the disputed information, as well as a written response detailing the steps taken to ensure compliance with FCRA regulations. Should this matter remain unresolved, I will have no choice but to pursue further legal remedies, including seeking damages for the harm caused by your agencys negligent reporting practices. Please provide a response within the timeframe required by law. I appreciate your prompt attention to this serious matter. 

Sincerely

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Formal Dispute Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance To Whom It May Concern, I am formally disputing the inaccurate and/or misleading information on my credit report and asserting my rights under 15 U.S.C. 1681o, which holds consumer reporting agencies liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite my previous attempts to resolve this matter of incorrect account details, your agency has failed to conduct a reasonable investigation or correct the erroneous reporting. This negligence has directly harmed my financial standing, impacting my ability to secure credit, employment, or housing. 

I demand an immediate reinvestigation and correction of the disputed information, as well as a written response detailing the steps taken to ensure compliance with FCRA regulations. Should this matter remain unresolved, I will have no choice but to pursue further legal remedies, including seeking damages for the harm caused by your agencys negligent reporting practices. Please provide a response within the timeframe required by law. I appreciate your prompt attention to this serious matter. 

Sincerely

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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint against American Express for violating my rights under federal law while attempting to collect a debt they allege that I owe. Their actions included sending unsolicited t ext messages, using harassing language, and making false threats, which ultimately pressured me into settling out of fear. 

I began receiving aggressive phone calls from American Express. After I repeatedly hung up on their calls due to their hostile tone, they sent me a text message accusing me of " willful default '' and claiming I was " refusing to pay. '' The text also mentioned a " garnishment notice, '' even though no court judgment had been entered against me at that time. 

I never gave consent to receive text messages from this company, which violates the Telephone Consumer Protection Act ( TCPA ). Additionally, their threatening language about garnishment was misleading and violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Feeling intimidated by their threats, I settled this account for less than the full balance because I feared losing my limited savings. As someone who is XXXX and living on a fixed income, this experience caused me significant stress and financial hardship. 

Violations of Law : XXXX. TCPA Violation : - The debt collector sent unsolicited text messages without my consent and failed to include an opt-out option, as required by law. 
- Used multiple different numbers to bypass me blocking them XXXX. FDCPA Violation : - The text accused me of " willful default '' and threatened garnishment without legal grounds. This was misleading and intended to intimidate me into paying. 
- They continued contacting me after I hung up on their calls, which constitutes harassment under FDCPA rules I have attached : XXXX. Screenshots of the text messages showing threatening language and lack of consent. 
XXXX. Documentation showing that I settled this account under pressure from their threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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 XXXXXXXX - DATE OPENED XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
FROM AROUND XXXX to XX/XX/XXXX to XX/XX/XXXX. 

DISCUSS ALL ISSUES AS MY BANK WAS XXXX  XXXX  XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ELDERLY WOMAN WITH XXXX INTENTIONAL PAIN AND SUFFERING TO XXXX SENIOR MAN WITH XXXX XXXX XXXX and XXXX and now RIGHT-SIDE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INTENTIONAL XXXX OR INTENTIONAL INFLICTION XXXX XXXX XXXX AND XXXX INTENTIONAL XXXX XXXX XXXX TO A XXXX ELDERLY WOMAN XXXX TO A XXXX SENIOR MAN LOSS OF WORK LOSS OF HOME DESTRUCTION OF DOCUMENTS WIRE FRAUD RECKLESS ENDANGERMENT THE LIST IS VERY LONG.

THIS WAS FILED IN XX/XX/XXXX. ACCESS AND LOSS OF LIFE AND SO MUCH MORE DONE BY BMO- I WAS NEVER INFORMED OF TAKE OVER OR BUYOUT OR ANY CONNECTION TO BMO. MY BANK WAS XXXX  XXXX  XXXX  XXXX. THIS NEEDS TO BE DISCUSSED WITH ANY AND ALL CFPB AS IT WAS SENT BEFORE AND NOT XXXX CFPB OR BMO OR XXXX RECTIFIED THIS HORRIFIC AND LIFE THREATENING AND LIFE ENDING 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 2025-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently submitted XXXX XXXX XXXX XXXX, Police Reports and other supporting documents in regards to disputing a named creditor XXXX XXXX  that EQUIFAX is wrongfully and and inaccurately. And when I phoned in I was told that there were no documents received. Under Arizona State Statutes I am protected against early termination of lease due to XXXX XXXX my daughter have been victimized for the last XXXX  years by the same person hes follow us. We are now homeless due to this inaccurate charge reporting on my credit. I would like this creditor removed immediately. This is totally against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: OH

Complaint narrative:
UPON EXAMINING MY CREDIT REPORTS, I NOTICED THAT ALTHOUGH YOU HAVE NOT PROVIDED ANY EVIDENCE TO SUPPORT THE ACCURACY OF THE DEBT. YOU CLAIMED TO HAVE COMPLIED WITH ALL LEGAL AND REGULATORY REPORTING REQUIREMENTS, THUS YOU HAVE TO DELETE ALL NEGATIVE AND CRITICAL ACCOUNTS. 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, not later than XXXX business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-02-13 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-02-13 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 inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( XXXX  ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( XXXX  ). Violations of the FCRA XXXX to XXXX a Reasonable Investigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX to Notify Me of Investigation Results ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXX to XXXX XXXX XXXX Promptly ( XXXX XXXX. XXXX ) The FCRA requires XXXX reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX, XXXX BANK 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 2025-02-13 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: FL

Complaint narrative:
I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified.These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXX of corrections made to the disputed items. 
XXXX that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( XXXX  ). 
XXXX confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX XXXX, XXXX BANK 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