vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

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

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

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

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

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX. XXXX XX/XX/XXXX {$220.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX. XXXX XX/XX/XXXX {$0.00} XXXX. XXXX OF XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$23000.00} XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX {$67.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and public records appearing on my consumer FICO credit report. I've attached a list of the following hard inquiries in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have also included a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, public records, collections, or hard inquiries as reported. The aforementioned accounts, collections, public records 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, public records and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US 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 explanation
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
My name is XXXX XXXX, and I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 by reporting inaccurate, unverifiable, and unauthorized information on my credit file. Despite multiple disputes, TransUnion has not provided legally sufficient validation for the negative accounts and unauthorized inquiries I have challenged.

Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation and remove any information that can not be verified with proper documentation. Additionally, per 15 U.S.C. 1681b, any hard inquiry reported without my written consent violates federal law and must be deleted immediately.

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure TransUnion expedites the removal of these items from my credit report, as their failure to act is causing undue financial harm. If these violations persist, I am prepared to escalate this matter further.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I have been dealing with ongoing reporting issues regarding my account with XXXX since XX/XX/XXXX. In XX/XX/XXXX, the account was sent to collections/charge off, yet in XXXX, the company marked it as delinquent again and has continued shifting the delinquency date each month. This appears to be an intentional tactic to prolong the negative impact on my credit report. 

Additionally, the reported payment history is inaccurate and inconsistent. When I called to address these issues, a company representative explicitly stated that unless the account was settled, they would continue reporting it to XXXX if the information was inaccurate. This statement confirms that their reporting practices are being used as a form of punishment rather than for legitimate credit reporting purposes. 

Despite my attempts to resolve thisincluding making phone calls, sending letters, and obtaining credit reports to document the discrepanciesthe company has not provided any clear or accurate information. Their actions violate fair reporting principles by re-aging the account, misrepresenting its status, and knowingly reporting incorrect information. 

I am requesting that XXXX correct the inaccurate reporting in compliance with the Fair Credit Reporting Act ( FCRA ), including the improper re-aging of the account and the misleading payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
MCM for years have harassed me to pay a debt I dont owe and placed notes and the debt illegal on my credit file no only have I never opened a line of credit with them and they illegally brought the debt making me not owe it I also never opened the account that originally generated the debt I was a victim of identity theft and Ive made it clear for years to the point I was on their do not call list until today they played with my personal credit again and made it drop XXXX points during my home buying process they are illegally doing the wrong things I dont owe this debt and it needs to be removed off my file and name I have a identity The affidavit with the IRS and a police report proving I was a victim and they are harassing me and Im going to sue them if they dont stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-01 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

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 2025-04-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. Accounts in Question : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX  I paid for a fashion/styling service that was to be rendered NO LATER THAN XX/XX/XXXX. The business did not render this service even though I paid & even though they told me they were ready to deliver to my residence on XX/XX/XXXX. I called XX/XX/XXXX, no answer. Called & texted XX/XX/XXXX, still no answer and no show. He tells me a week later he's been busy & couldn't complete the service. I repeatedly asked for a refund, no response. Requested a refund from the business on Cashapp, still nothing. Contacted Cashapp support to dispute the transaction & get a refund, they said no because I willingly paid for it. Even though the service I paid for was in no way shape or form rendered to me & I know it is my right as a consumer to receive what I pay for, the equivalent, or some type of credit if NOTHING is rendered. Please help, I will continue to fight. Everything is attached. Correspondence from both cash app & the fashion business in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-01 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
Subject : DEMAND LETTER Violation of FCRA Due to Failure to Provide Verification of Late Payment Reporting To Whom It May Concern, This letter serves as a formal demand regarding TransUnions failure to provide actual proof of the late payment ( s ) reported on my credit file. While you have claimed to have verified this information, you have not furnished any documentation or evidence from the original creditor proving its accuracy. This is a direct violation of my rights under federal law.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to conduct a reasonable reinvestigation when a consumer disputes an item on their credit report. Furthermore, 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) mandates that, upon request, TransUnion must provide me with the methodology and evidence used to verif
y the disputed information. Your failure to supply this evidence renders the verification process legally invalid.

TransUnions continued reporting of this information without proof constitutes willful noncompliance under 15 U.S. Code 1681n and negligent noncompliance under 15 U.S. Code 1681o. This is a clear violation of my consumer rights, and I will not tolerate it.

I am formally demanding that TransUnion immediately : 1. Provide me with the actual documentation from the original creditor that was used to verify the late payment ( s ) within 15 days of receipt of this letter, OR 2. Delete the disputed late payment ( s ) from my credit report due to failure to provide verifiable proof.

Failure to comply with this demand will result in legal action against TransUnion for FCRA violations. If I do not receive a proper response with supporting documentation within 15 days, I will proceed with filing a lawsuit in federal court for damages, including but not limited to statutory damages, actual damages, punitive damages, and attorneys fees, as permitted under 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) - ( 3 ).

This is your final notice before I take legal action. I expect full compliance within the legally required timeframe.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2025-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed hard inquiries from XXXX  XXXX on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year> and XXXX XXXX on XX/XX/year> which I did not authorize. I have never applied for credit or services from this company, and I believe this inquiry was made in error or without my consent. 

I contacted These companies to dispute the inquiry, but I have not received a satisfactory response. This unauthorized inquiry is negatively affecting my credit score, and I am requesting its removal.

IfI request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ). Please investigate this matter and provide an update

Company response to consumer: Closed with explanation