vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
Credit reports have a significant impact on consumer finances, dictating the success of one qualifying for loans, housing, and employment in most cases. This complaint is with regard to Equifax, failing to conduct proper investigations of previously disputed information. I am and have been a victim of these sham investigations. Equifax failed to meet the reasonable reinvestigation requirements of the FCRA section 611, including among other things by failing to review and consider all relevant information on processing consumer submitted disputes regarding accuracy of information on my Credit file.Specifically with regard to a open XXXX XXXX XXXX  account that is reporting. This account is reporting a charge off status however also reporting a past due balance of {$190.00}. The account reports the date open as XX/XX/XXXX and the date of First delinquency XX/XX/XXXX. The payment history reflects XXXX XXXX, XXXX, XXXX of XXXX were all paid on time. Equifax is reporting the data first delinquency as XX/XX/XXXX at 60 days past due first delinquency would be 30 days late not XXXX also XX/XX/XXXX is reporting no data. How is that? As stated above these are sham investigations and I am a victim of it as well as several FCRA violations violations as follows : 15 USC 1681, The consumer financial protection act of 2010 ( CFPA ) 12 USC 5531 and 5536. Equifax failed to meet the reasonable rein investigation requirements of the FCRA section 611, including among other things by failing to review and consider all relevant information and processing consumer submitted dispute regarding accuracy of information on ones credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-14 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1600.00} XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$4600.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding a serious violation of my privacy and unauthorized access to my personal and financial information. 
It has come to my attention that my personal records, including my Social Security number and sensitive financial data, were accessed without my consent by XXXX XXXX ( Doge ) and his team. 
This breach was facilitated by a failure of the Department of Education to adequately protect my information, as required under federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ).

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding a serious violation of my privacy and unauthorized access to my personal and financial information. 
It has come to my attention that my personal records, including my Social Security number and sensitive financial data, were accessed without my consent by XXXX XXXX ( Doge ) and his team. 
This breach was facilitated by a failure of the Department of Education to adequately protect my information, as required under federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ).

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding a serious violation of my privacy and unauthorized access to my personal and financial information. 
It has come to my attention that my personal records, including my Social Security number and sensitive financial data, were accessed without my consent by XXXX XXXX ( Doge ) and his team. 
This breach was facilitated by a failure of the Department of Education to adequately protect my information, as required under federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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 have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-14 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: TN

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
this account does not belong to me, the original creditor was XXXX XXXX. I dont where womens lingerie. this is a mistake or identity theft,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: VA

Complaint narrative:
Upong looking at my XXXX credit report it is reporting Account XXXX is reporting as XXXX XXXX  {$65.00} written off on XX/XX/year>. However, I never received a 1099 C form. So, this is reporting inaccurate information to all reporting credit bureaus. 
Also, on my XXXX Account XXXX reported on XX/XX/year>, reported as closed and charged off. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I received notification from my employer on Friday XX/XX/XXXX that a company was going to garnish my wages. According to the law I have 20 days to dispute, and yet my wages were garnished today. Prior to the notice my employer sent I was not aware of any lawsuit, The court has on record that I did not receive any issued judgements. This debt originated 10 years ago to help pay for my XXXX it went into default in XXXX, and does not even appear on my credit report. I am also the only wage earner in my household and can not financially support my family if my wages are garnished. I immediately sent the attorney suing me a letter explaining my financial situation, a copy of the court documents that I did not receive any judgments, and a request to stop this due to the Florida statues of limitations as advised by all three credit bureaus this was sent via XXXX priority mail on Tuesday XX/XX/XXXX within the 20 days I was allowed. At this time I can not pay my rent or electric bill and we care for my XXXX XXXX XXXX grandmother who has advanced 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 explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase froze my funds to protect from a " scam '' transaction. The transaction they had in mind was me sending {$50.00} to my own wallet that I have used many times before with them. 

They are unresponsive. I want to remove all my money from their platform immediately now. 

On XXXX they said they'd reach out by email about the case. It is Friday, and they still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Synchrony Care Credit card and XXXX and XXXX are violating my rights by reporting my medical expenses on my credit report. It's unfair and deceptive business practice to report medical expenses according to the XXXX XXXX XXXX XXXX V which states : " The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using ; prohibits data furnishers and credit bureaus from reporting on medical bills and debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
Submitted a dispute three times in regards to the incorrect information reporting on my consumer report and bureau refuses to change it and says information will remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of birthXXXX My correct Social Security XXXX My correct address XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir XXXX Madam XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Please remove the following names from my credit report XXXX XXXX, XXXX XXXX, XXXX Bank, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. 

Please remove the following inquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Identity Theft Report Proof of identity : a copy of my drivers license Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -or- Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Victim Assistance Department XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir XXXX Madam XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Please remove the following names from my credit report XXXX XXXX, XXXX XXXX, XXXX Bank, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. 

Please remove the following inquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter and await your reply. 
Sincerely, XXXX XXXX Identity Theft Report Proof of identity : a copy of my drivers license Fair Credit Reporting Act Section 605B [ PDF ]

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 2025-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
i was under the impression this bill was settled though unitect. my case number is # XXXX XXXX XXXX. i filed the case during covid. i have all emails and attachments, if needed that i sent in for the program. unfortunately i am no longer able to sign into the website and screenshot were the case was completed and paid off and closed.

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