vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
I am writing to formally dispute several hard inquiries on my credit report, some of which I did not authorize. My personal information was sold while I was shopping for a mortgage, leading to multiple credit inquiries that have negatively impacted my credit score. I have already reported this fraudulent activity to the Federal Trade Commission ( FTC ) for further investigation. Please see attachment for additional details. All highlighted inquiries needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
Im dealing with incorrect information on my report that is unfairly damaging my scores and limiting my opportunities. Its frustrating to be blocked from progress because of errors that shouldnt exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: Servicing Solutions, LLC
State: OR

Complaint narrative:
I have never seen this account before. Says it was opened in 2022 but Ive never seen it before and its not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: 700 Credit Experts
State: TX

Complaint narrative:
700 Credit Experts- I am paying {$150.00} per month for credit repair. The company refuses to comply and work on my credit unless I add on another expense from XXXX XXXX for another {$25.00} per month so they can access my credit report. This extra {$25.00} is not necessary and not my understanding of what was agreed upon. They will not work on my credit at all unless I add this extra service so I am paying {$150.00} per month for nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-27 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: OH

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Id like to apologize for being in the position of feeling the need to handle this through the CFPB instead of directly with BOA. They have been more than fair in the last XXXX months since my XXXX XXXX XXXX XXXX accounts have been drained with fraudulent charges and duplicate payments. Since then, I have attempted to pay my bill and re-enable auto-pay from XXXX several times. I previously had difficulty even accessing the site as it refused to send me the XXXX-factor notification required to do so. I most recently was able to cancel and delete auto-pay through XXXX XXXX XXXX XXXX again , reset auto-pay through XXXX, and schedule XXXX replacement payment for the XXXX XXXX XXXX XXXX charge that had been processed but had yet to bounce. This was on the XXXX. So you can imagine my surprise when I received missed payment notifications and phone calls from BOA on the XXXX. I have for the last 3 months, been making a good faith effort to pay my bills, only to find that BOA is again attempting to charge XXXX XXXX XXXX XXXX, that I am somehow being charged a late payment fee from BOA and an overdraft/returned ACH fee from XXXX XXXX XXXX XXXX XXXX yet receiving notifications from neither. This seems to be a recurring pattern amongst several of my financial institutions.

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 monetary relief
Consumer complaint received 2025-02-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This account is listed as a charge off on my credit report, but I have never received a form 1099C for this charge off debt Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update credit report accordingly or delete immediately. Pursuant to 15 US section 1681 ( 6 ) ( A ) of the fair credit reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 vdays bof the completion of your investigation. I appreciate your prompot attention to this matter as thess may seem like small reporting errore to you but they are serious offenses on my credit report when it is time to purchase a home for my family, a vehicle, look fora business loan or eevn obtain employment. Please consider expediting this process for me. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccurate and unverified negative and collection accounts being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following accounts as they are incorrect, invalid, and harming my creditworthiness. Furthermore, these accounts include non-public information that I never authorized to be shared, and the inconsistency in reporting across the XXXX credit bureaus raises serious concerns about their accuracy and legitimacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the inaccurate and unverified negative and collection accounts being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following accounts as they are incorrect, invalid, and harming my creditworthiness. Furthermore, these accounts include non-public information that I never authorized to be shared, and the inconsistency in reporting across the XXXX credit bureaus raises serious concerns about their accuracy and legitimacy.

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 2025-02-27 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: SC

Complaint narrative:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next XXXX  days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
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 Date Opened : XX/XX/XXXX Amount : {$8300.00} I am writing to file a formal complaint regarding continuous harassment from creditors listed above, demanding payment for debts I neither recognize nor authorized. I have no knowledge of these accounts. 

On XX/XX/XXXX I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information. 

These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ). 

Furthermore, the three major credit bureaus ( Equifax, Experian, and TransUnion ) are refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ). 

Under the FDCPA, specifically the provision prohibiting debt XXXXollectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights. 

Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me. 

I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately.

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 2025-02-27 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: TX

Complaint narrative:
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 Date Opened : XX/XX/XXXX Amount : {$8300.00} I am writing to file a formal complaint regarding continuous harassment from creditors listed above, demanding payment for debts I neither recognize nor authorized. I have no knowledge of these accounts. 

On XX/XX/XXXX I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information. 

These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ). 

Furthermore, the three major credit bureaus ( Equifax, Experian, and TransUnion ) are refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ). 

Under the FDCPA, specifically the provision prohibiting debt XXXXollectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights. 

Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me. 

I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately.

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 2025-02-27 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: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As I was reviewing my credit profile I had seen quite a few inquiries that did not 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-02-27 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief