vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I discovered that a credit account is being reported inconsistently across the XXXX major credit bureaus. For example, XXXX bureau shows the account as Closed with the following delinquency information : XXXX  days late in XXXX, XXXX, and XXXX, and XXXX  days late in XXXX. Another bureau also lists the account as Closed. Still, it reports the account as XXXX days late in XXXX, XXXX, and XXXX, 60 days late in XXXX, and even labels it as XXXX in XXXX. Meanwhile, a third bureau shows the account as XXXX with XXXX  days late in XXXX, XXXX, and XXXX. 
I have disputed these discrepancies multiple times, yet the inaccurate information remains on my credit report. According to federal guidelines under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( which requires a reasonable reinvestigation and deletion of any unverifiable or inaccurate information ) and Section 623 ( which mandates that furnishers report only accurate and verifiable information ), these inconsistencies are unacceptable. The persistent reporting of this account with conflicting data violates these guidelines, severely damaging my credit profile. 
I am seeking immediate resolution and permanent deletion of this inaccurate account from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted several complaints to CFPB and disputes to Equifax regarding these accounts. Per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Equifax is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. A reasonable jury will find that you Equifax are in violation of 1681 s-2 ( b ) where you did not look beyond the information contained. Other laws that were violated are as stated, Equifax did not Remove all listed accounts from my credit report immediately, as they are not valid, did not Provide me with a detailed explanation of how the investigation was conducted, as per 15 U.S. Code 1681i ( a ) ( 7 ), nor did Equifax Provide evidence of verification from the furnishers of this information, as per 15 U.S. Code 1681i ( a ) ( 1 ). Per my FCRA Attorney Equifax has violated these same laws in the past according to court documents for example XXXX XXXX Equifax Information Services LLC, XXXX : The plaintiff was awarded damages due to Equifaxs failure to correct inaccuracies on her credit report despite multiple disputes, XXXX XXXX Equifax XXXX XXXX, XXXX : Equifax was penalized for negligence in addressing disputed accounts, highlighting the importance of compliance with FCRA requirements, XXXX XXXX Equifax Information Services LLC, XXXX : Equifax was held accountable for reporting erroneous information even after multiple disputes and faced significant penalties. I submitted a CFPB Complaint on XX/XX/XXXX which is still open on CFPB site but on Equifax portal dispute was closed in one day, CFPB complaint is still open for XX/XX/XXXX but closed on Equifax portal in three days. There is NO WAY A PROPER INVESTIGATION was done in 1-2 days. Equifax is closing my disputes without proper investigation just like the lawsuit states against them and XXXX just like the CFPB stated in court. I have attached Data Breach info, ID, The disputes on their website they closed in 1-3 days and my FTC Report for Data Breach Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
Your company has inquiries listed on my credit report that I never agreed to, and theyre negatively impacting my credit.

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 2025-02-06 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX has went bankrupt and on XX/XX/year> they sold the debt to Jefferson Capital LLC, I was not notified. The debt had accumulated a lot of extra interest charges also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: WI

Complaint narrative:
Inaccurate credit reports aswell as multiple doubles, its ruin my credit and not rite that they can do this

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 2025-02-06 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 this complaint against Cash App ( Block , Inc. ) due to Inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take a timely and effective measure to ensure prevention and address fraud across their platform leaving accounts vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive and do not comply with error resolution requirements under Election Fund Transfer Act ( EFTA ) and Regulation E. These actions caused a magnitude of inconvenience and financial loss. I am seeking appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: DE

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper 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 2025-02-06 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: TN

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO BANKRUPTCY AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS ALL MY ACCOUNTS ARE PAID AND IN GOOD STANDARDS..

15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I recently looked at my credit profile and noticed there were a number of fraudulent accounts, addresses and inquiries on my credit that I did not give my consent for. Those accounts, addresses and inquiries consist of the following : Address : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX The fraudulent accounts that I am referencing a consist of the following : XXXX XXXX  balance XXXX XXXX XXXX XXXX balance XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The the fraudulent inquiries that I am referencing consist of the following : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MO

Complaint narrative:
I recently looked at my credit profile and noticed there were a number of fraudulent accounts, addresses and inquiries on my credit that I did not give my consent for. Those accounts, addresses and inquiries consist of the following : Address : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX The fraudulent accounts that I am referencing a consist of the following : XXXX XXXX  balance XXXX XXXX XXXX XXXX balance XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The the fraudulent inquiries that I am referencing consist of the following : 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 explanation
Consumer complaint received 2025-02-06 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: GA

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 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report remove this account from my report, they are hurting my ability to obtain credit

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 2025-02-06 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: GA

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper 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 explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I have been a victim of Identity Theft I believe someone has gotten my personal information and has been making numerous inquiries and opening Fraudulent accounts in my name. I recently checked my credit report and there are 15 erroneous accounts that I did not myself open nor give my permission to open such accounts. I will list the creditors name the account number the date the account was opened and the amount XXXX XXXX {$700.00} XXXX opened XXXX XXXX {$490.00} acct # XXXX opened XX/XX/XXXXXXXX XXXX XXXX {$1700.00} acct # XXXX opened XXXX XXXXXXXX XXXX  {$840.00} acct # XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1900.00} acct # XXXX opened XXXXXXXX XXXX XXXXXXXX {$880.00} acct XXXX XXXX opened XXXXXXXX XXXX {$9000.00} acct # XXXX - opened XX/XX/XXXX XXXX XXXXXXXX {$1100.00} acct # XXXX - opened XXXX XXXX $ XXXX # XXXX -opened XX/XX/XXXXXXXX XXXX XXXX {$860.00} acct # XXXX - opened XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} - acct # XXXX - opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX opened XXXXXXXX XXXX XXXX  {$21000.00} - opened XXXX XXXX XXXX XXXX {$35000.00} acct # XXXX XXXX XXXX XX/XX/XXXX Affirm {$310.00} acct # XXXX - opened XX/XX/XXXX XXXX XXXX XXXX {$740.00} acct # XXXX opened XX/XX/XXXX There are also 20 inquiries showing on my report. I will list the bank and date inquiries were made. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been a victim of Identity Theft I believe someone has gotten my personal information and has been making numerous inquiries and opening Fraudulent accounts in my name. I recently checked my credit report and there are 15 erroneous accounts that I did not myself open nor give my permission to open such accounts. I will list the creditors name the account number the date the account was opened and the amount XXXX XXXX {$700.00} XXXX opened XXXX XXXX {$490.00} acct # XXXX opened XX/XX/XXXXXXXX XXXX XXXX {$1700.00} acct # XXXX opened XXXX XXXXXXXX XXXX  {$840.00} acct # XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1900.00} acct # XXXX opened XXXXXXXX XXXX XXXXXXXX {$880.00} acct XXXX XXXX opened XXXXXXXX XXXX {$9000.00} acct # XXXX - opened XX/XX/XXXX XXXX XXXXXXXX {$1100.00} acct # XXXX - opened XXXX XXXX $ XXXX # XXXX -opened XX/XX/XXXXXXXX XXXX XXXX {$860.00} acct # XXXX - opened XXXX XXXXXXXX XXXX XXXXXXXX {$1700.00} - acct # XXXX - opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX opened XXXXXXXX XXXX XXXX  {$21000.00} - opened XXXX XXXX XXXX XXXX {$35000.00} acct # XXXX XXXX XXXX XX/XX/XXXX Affirm {$310.00} acct # XXXX - opened XX/XX/XXXX XXXX XXXX XXXX {$740.00} acct # XXXX opened XX/XX/XXXX There are also 20 inquiries showing on my report. I will list the bank and date inquiries were made. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX 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 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 2025-02-06 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: LA

Complaint narrative:
Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, and hard inquiries are the result of 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The following inquiries appeared in my report that I dont recognize or am liable for. Please remove fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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