vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke with their customer service representative named XXXX at XXXX AM to inquire about an erroneous entry being reported to the Chex Systems XXXX platform regarding a fraudulent charge in the amount of {$470.00} pertaining to an account that was closed due to the fraudulent activity. This account XXXX was closed and notated as being related to fraudulent activity and a new account was opened. The customer service representative cleared out that transaction from the balance showing paid in full ( zeroed out due to the fraudulent activity ) on XX/XX/XXXX. However, XXXX XXXX XXXX XXXX XXXX still continues to report this as an amount being owed by me through the Chex Systems platform. This has caused injury to my creditworthiness and has prevented me from opening further bank accounts at will or without reprimand. I have already tried to dispute this issue directly with Chex Systems and they refuse to remove the entry because XXXX XXXX XXXX XXXX XXXX is reporting this as " NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ) AND VERIFIED ACCURATE BY FI ; '' - even though it has reported a closure status showing as : PAID IN FULL with a Closure Status Date of : XX/XX/XXXX. XXXX directed me to fill out a Credit Bureau dispute form online so that this request is formally disputed in writing with their organization and the issue will get investigated and resolved within a few days. However, I never received a response from anyone regarding this inquiry. I also called back to follow up and they still refuse to fix or settle this issue as requested. In fact, they attempted to use this issue as a way to hold this over my head in order to get me to pay on a credit card bill that is also in dispute with this same organization, which is totally unrelated to this account. I want this false entry removed from Chex Systems permanently.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
According to the FCRA section 605B is illegal to report anything on my credit report without my permission. I request verification of account and as FCRA a charge off is considered as income for tax purposes when the creditor writes off a debt issues a 1099C as I requested as well. Reporting this charge-off without it being validated, creates an incomplete and misleading picture of my credit worthiness. Also I have not supplied under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.Please remove this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filling a complaint again Cashapp ( Block.Inc ) due to inadequate customer service and unfair practices, which violate The Consumer Protection Act ( CFPA ). Specifically Cash App failed to timely and effective measures to prevent and address fraud in 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 Regulations 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 am writing to formally file a complaint regarding fraudulent activity on my credit card account. I recently contacted your customer service team to inform them that a charge on my account was not made by me, and that my identity had likely been compromised. Despite informing your team of this situation, I have not received any meaningful resolution or follow-up. 
I have explained multiple times that this charge was not made by me, and that someone must have used my identity without my consent. I requested a fraud investigation, but up to this point, I have not been provided with any updates or clear instructions on how this matter will be resolved. 

This situation is causing significant distress, as I am concerned about further unauthorized transactions on my account and the potential impact on my credit. I respectfully request that this matter be taken seriously and investigated immediately. Additionally, I would appreciate regular updates on the status of the investigation and the steps being taken to protect my identity and account.

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 2025-03-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding fraudulent activity on my credit card account. I recently contacted your customer service team to inform them that a charge on my account was not made by me, and that my identity had likely been compromised. Despite informing your team of this situation, I have not received any meaningful resolution or follow-up. 
I have explained multiple times that this charge was not made by me, and that someone must have used my identity without my consent. I requested a fraud investigation, but up to this point, I have not been provided with any updates or clear instructions on how this matter will be resolved. 

This situation is causing significant distress, as I am concerned about further unauthorized transactions on my account and the potential impact on my credit. I respectfully request that this matter be taken seriously and investigated immediately. Additionally, I would appreciate regular updates on the status of the investigation and the steps being taken to protect my identity and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( CREDIT BUREAU ) 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.

I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO EXPERIAN credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 2 credit cards, 3 auto loan accounts, and 4 hard inquiries : XXXX  XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX on XX/XX/XXXX under XXXX ...., XXXX on XX/XX/XXXX under XXXX ...., XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above with late payments and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
I sent this letter To Whom It May Concern, I am writing to request validation of the debt you are attempting to collect from me. This request is made pursuant to my rights under the **Fair Debt Collection Practices Act ( FDCPA ) **, 15 U.S.C. 1692g.

According to the FDCPA, I have the right to request validation of the debt, and you are required to provide the following information : 1. **Proof that I owe the debt : ** Provide documentation that I am legally responsib
le for this debt, including a copy of the original signed agreement or contract.

2. **Breakdown of the debt : ** Provide a detailed breakdown of the amount owed, including principal, interest, fees, and any other charges.

3. **Original creditor information : ** Provide the name and contact information of the original creditor.

4. **Proof of your authority : ** Provide documentation that your company is authorized to collect this debt on behalf of the original creditor. 

Until you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this debt to credit bureaus.

Please send the requested documentation to my address listed above within **30 days** of receiving this letter. If you fail to provide validation of the debt, I will consider this matter closed and will file a complaint with the **Consumer Financial Protection Bureau ( CFPB ) ** and any other relevant regulatory agencies.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-12 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:
Credit Bureau : [ Experian/TransUnion ] XXXX Account ( XXXX ) : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am filing this formal complaint against [ Experian/TransUnion ] for failure to comply with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, specifically regarding the improper reinvestigation and reporting of inaccurate charge-off accounts on my credit report. I have previously disputed these accounts multiple times, and [ Experian/TransUnion ] has failed to conduct a reasonable reinvestigation, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The credit bureau has failed to verify the disputed information through actual documentation from the original creditor and has continued to parrot unverified information, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues with the Reporting of These Charge-Offs : 1. Failure to Verify Accuracy Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if disputed information can not be verified, it must be deleted.

The credit bureau has not provided me with any documentation from the original creditor proving the validity of these accounts.

2. Inconsistent and Invalid Data The account opening and closing dates do not match across different reports. 
The accounts are still reporting a balance despite being charged off, violating Metro 2 Compliance standards.

The account is still being reported monthly, falsely updating its delinquency, which is a violation of FCRA accuracy requirements.

3. Willful Noncompliance The credit bureau has failed to conduct an independent reinvestigation, merely relying on the furnishers information without verification. 
This violates XXXX XXXX XXXX, which ruled that a credit bureau can not simply parrot information from the furnisher without independently verifying it. 
This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and constitutes willful noncompliance under 15 U.S.C. 1681n, making the bureau liable for damages. Key Issue : XXXX Has Already Deleted These Accounts XXXX has already removed these same disputed charge-offs because they could not be verified. 
If XXXX found the accounts unverifiable and deleted them, why are [ Experian/TransUnion ] still reporting them? This creates an FCRA violation under 1681e ( b ) (
Failure to Report Accurate Information ).

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 2025-03-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Bounce AI, Inc.
State: MO

Complaint narrative:
Bounce AI debt collection reached out saying I owe {$800.00} to " XXXX XXXX '' which is from an apartment complex in Texas. This happened last year too. I called the complex and they verified that was identity fraud. Now it's happening again. I've never lived in Texas. Bounce AI says I need a report from the FTC to help dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Inaccurate Collection/Charge Off : 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 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

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 2025-03-12 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Incorrect Personal Information : Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: DC

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 2025-03-12 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:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I am writing to inform you of a data breach and request that certain accounts and inquiries be blocked and deleted from my credit file, per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$42.00} XXXX XXXX XXXX - Account Number : ACC******************XXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX - Account Number : XXXX*********XXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 2023

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