vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Name being incorrectly spelled in multiple ways and occasionally dob addresses are not mine and phone numbers listed are beyond excessive misinformation and multiple attempts to use these names and addresses/phone numbers to gain credibility and destroying my reputation and my entire life as a person who is just plainly only trying to make my life better for myself and future family goals and I am not getting any help from these companies and or creditors constantly being harassed and threatened with court and collections because of their lack of service to understand that I have been on social security XXXX since XXXX of 2009 and very much limited to my ability to work and sustaining a stable life and not being able to afford daily needs due to income benefits being drained incorrectly and fees and overdrafts

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 2025-01-23 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:
Please check the information concerning the Equifax XXXX XXXX below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing to request the correction and removal of inaccurate and outdated information on my credit file, which is causing financial harm and does not reflect my current creditworthiness. Specifically : Addresses : I request that all addresses except XXXX XXXX XXXX, XXXX XXXX, IL, be removed. This is my only valid address, and the others are outdated or incorrect. 

Collection Accounts : XXXX XXXX XXXX : I am disputing the collection account with XXXX XXXX XXXX for {$21000.00}. This account is not mine, and I request this collection account be deleted immediately. 
The Bureaus : I am disputing the collection account with The XXXX for {$320.00}. This account is inaccurate and should be removed from my credit report. 
XXXX XXXX Account : The XXXX XXXX account is inaccurate and should be removed from my report. The balance of {$1500.00} does not belong to me, and I request this collection account be deleted immediately. 

XXXX XXXX Auto Payments : The XXXX XXXX XXXX account inaccurately reports late payments. I have made all payments on time, and the account should reflect a perfect payment history. I request the removal of any reported late payments. 

XXXX Accounts : All closed accounts should be removed from my credit report, as they no longer reflect my current financial standing and are unnecessarily impacting my credit file. 

Bankruptcy : The bankruptcy reported on my TransUnion file is inaccurate and should be deleted entirely, as it does not apply to me. 

I am a victim of the XXXX data breach, which compromised my personal information and has likely contributed to these inaccuracies. I request the CFPBs assistance to ensure these corrections are made promptly and in compliance with the Fair Credit Reporting Act ( FCRA ).

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 2025-01-23 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:
I am writing to request the correction and removal of inaccurate and outdated information on my credit file, which is causing financial harm and does not reflect my current creditworthiness. Specifically : Addresses : I request that all addresses except XXXX XXXX XXXX, XXXX XXXX, IL, be removed. This is my only valid address, and the others are outdated or incorrect. 

Collection Accounts : XXXX XXXX XXXX : I am disputing the collection account with XXXX XXXX XXXX for {$21000.00}. This account is not mine, and I request this collection account be deleted immediately. 
The Bureaus : I am disputing the collection account with The XXXX for {$320.00}. This account is inaccurate and should be removed from my credit report. 
XXXX XXXX Account : The XXXX XXXX account is inaccurate and should be removed from my report. The balance of {$1500.00} does not belong to me, and I request this collection account be deleted immediately. 

XXXX XXXX Auto Payments : The XXXX XXXX XXXX account inaccurately reports late payments. I have made all payments on time, and the account should reflect a perfect payment history. I request the removal of any reported late payments. 

XXXX Accounts : All closed accounts should be removed from my credit report, as they no longer reflect my current financial standing and are unnecessarily impacting my credit file. 

Bankruptcy : The bankruptcy reported on my XXXX file is inaccurate and should be deleted entirely, as it does not apply to me. 

I am a victim of the Equifax data breach, which compromised my personal information and has likely contributed to these inaccuracies. I request the CFPBs assistance to ensure these corrections are made promptly and in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account is not being properly investigated. My trust and I have disputed the validity of this account online and by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The balance on the account is continuously being updated to reflect the same amount, the account is continuously being updated from closed to open with a message stating that it meets the guidelines of the FCRA but we have not received any of the requested documents. Therefore, no evidence exists of my agreement or consent for this account. This account lacks validation and sufficient evidence to support its accuracy. Without possession of the original promissory note or the requested documentation, this entry is unverifiable. The reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

15 U.S.C. $ 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report.

15 U.S.C. 16811 : Mandates that unverifiable information must be corrected or deleted within XXXX days of receiving a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Someone had my phone and stole all the information out of it and somehow sold my cash app to a gambling site and now I can't have cash app and I think my identity is gone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting XXXX XXXX  correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 
XXXX OF XXXX Account Number : 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 2025-01-23 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: MA

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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XX/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 XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX 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 XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: MA

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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX INQUIRY : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XX/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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00}

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 2025-01-23 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: GA

Complaint narrative:
On XX/XX/year> I mailed out a dispute to this credit bureau because they have multiple accounts listed on my credit report as collections when they have been PAID IN FULL. I requested that they validate these accounts and update them to CLOSED/PAID IN FULL or delete them from my credit report. I specifically asked for a copy of the contract bearing my signature for the accounts in dispute and a complete account reconciliation regarding each account that they are reporting inaccurately. Not only did they fail to provide me with this information, they failed to investigate entirely. It was a complete disregard for my rights under the fair credit reporting act. This bureau didn't move forward with my dispute in anyway and this is seriously hurting my ability to obtain credit, purchase a home and so much more.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, my fico score has drastically decreased from XXXX to XXXX over the past several months. I first checked my credit report with Experian credit reporting and immediately noticed Experian has changed the way they are reporting information on my credit report that appears misleading and is causing my fico score to drop. In XXXX  due directly to health issues and medical bills, I had to file bankruptcy, chapter XXXX. Since this time, Ive worked incredibly hard to rebuild my credit over the past XXXX years. Building good credit, payment and other credit related things, I was finally getting out of the bad fico score areas, building up to XXXX, XXXX. Although a bankruptcy stays on your credit report for up to XXXX yrs. This bankruptcy would be visible in the public records section of any credit report with information as to filing and discharge records. Recently though, Experian appears to be reporting this bankruptcy TWICE on my Experian credit report. Once, seen under reports of all credit, which includes total accounts, 1 public records, 30 personal information, 1 hard inquiry and then again as already mentioned in public records as to bankruptcy, is seen as 1 potentially negative. Experian is listing this bankruptcy twice. Once as a 1 public records then again as 1 potentially negative in red lettering. Reporting by Experian in this matter is causing my credit and fico score to drop drastically as it appears as seen in attached pic, as 1 potentially negative, relating to the bankruptcy then again as to 1 public records. This is outrageous reporting of this bankruptcy as two times. This bankruptcy should only be mentioned once in public records area and thats it. This reporting an additional 1 potentially negative in red as well is misleading and is directly causing my credit to dramatically decrease. This reporting by Experian in this manner is again, misleading information to only one bankruptcy that should only be 1st mentioned once in the public records section on my credit report and not again as to having another bad record as to 1 potentially negative listing as seen in the attached credit report. I have tried twice in a direct dispute with Experian to this misleading information and demand they remove the 1 potentially negative notification seen on attached report and only list this bankruptcy as it should once in the public records section which it should be. Im Now asking for your help to remove this double, misleading statement, information from my Experian credit report by taking the 1 potentially negative notification in red removed and leaving the bankruptcy as it should be, left in public records section. 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