vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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 am writing to formally request that the fraudulent accounts listed below be blocked and permanently deleted from my credit report as I am a victim of identity theft. Under 15 U.S. Code 1681c-2 ( a ) ( Section 605B of the Fair Credit Reporting Act ), I have the legal right to request the immediate removal of fraudulent information associated with identity theft from my credit file.

Fraudulent Accounts to Be Deleted : XXXX XXXX XXXX XXXX  Account Number : XXXX Fraudulent Amount : {$240.00} Date Discovered : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Fraudulent Federal Student Loan ) Account Number : XXXX Fraudulent Amount : {$4700.00} Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Legal Basis for Request :

According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ) : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of a request from the consumer to block such information. '' Requested Actions : Block and permanently delete the fraudulent accounts from my credit report. Provide written confirmation stating that these accounts have been removed. Send an updated copy of my credit report reflecting the corrections. Timeframe for Compliance : As required by FCRA Section 605B, you are legally required to process this request within 4 business days from the date of receipt. If you require any additional information, please contact me immediately using the contact details listed above. I appreciate your prompt attention to this matter and expect confirmation of the deletion of these fraudulent accounts from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I changed my address and was not receiving any mail about the changes to my student loan provider being sold once again to another collector, now aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in the process of purchasing real estate and upon pulling my 3 credit reports, I discovered several discrepancies pertaining to the following accounts : XXXX. XXXX XXXX XXXX XXXX. Acct # : XXXX XXXX. XXXX XXXX XXXX XXXX. Acct # : XXXX XXXX. XXXX XXXX XXXX. Acct # : XXXX On XX/XX/year> I sent written and formal disputes to all three credit bureaus to have each account validated in accordance with 15 U.S. Code 1692g - Validation of debts. They have all three reported back and " after completing a " thorough '' investigation '' your account has been updated and correct. '' An investigation was not completed because the inaccuracies are still listed on my credit reports. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. I have attached documents to show my attempt to validate ( NOT VERIFY ) these records and showing the inaccuracies in my reports.

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 2025-02-23 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: NC

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XXXXXX/XX/XXXX Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT PROFILE. THANK 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 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 2025-02-23 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: MA

Complaint narrative:
Working with my attorneys and they have been unsuccessful with records that have been subpoenaed to XXXX XXXX. My credit reports have been manipulated and there are multiple accounts that I have not opened and also are not in my last name with the XXXX credit bureaus Also accounts have been opened when there was a credit freeze on my account. 
Equifax Trans union Experian

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 2025-02-23 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: MA

Complaint narrative:
Working with my attorneys and they have been unsuccessful with records that have been subpoenaed to XXXX XXXX. My credit reports have been manipulated and there are multiple accounts that I have not opened and also are not in my last name with the XXXX credit bureaus Also accounts have been opened when there was a credit freeze on my account. 
Equifax Trans union Experian

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, 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 explanation
Consumer complaint received 2025-02-23 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: NY

Complaint narrative:
I have several hard inquiries on my credit reports with Transunion, Equifax, and Experian. that I did not authorize. Companies that I did not authorize to inquire into my credit are listed below. 

XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXXXXXX 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 2025-02-23 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: NY

Complaint narrative:
Please, I want to remove the late payment from the 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 2025-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I came across the CFPB XXXX lawsuit. 
I feel that I was negatively impacted by XXXX, hurting my chances at credit after receiving a response to my earlier dispute that accounts were " Verified '' But I don't see any details about your investigation. 
Come with receipts or be quick to delete! 


Disputed 2024 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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Continued calls from company representatives and staff debt sold to third party without my consent or authorization or signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 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: CL Holdings LLC
State: NC

Complaint narrative:
I'm filing this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve directly with the reporting agencies, it remains unresolved. I request immediate investigation and removal of this item. As it's incorrect and does not reflect my true credit history. 


XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I moved in XXXX, but the debt collect for Portfolio Recovery Associates , LLC represented by XXXXXXXX XXXX XXXX XXXX  lied on a written letter saying I requested information when I did not and sent it to an old address so I was not informed of this letter until today XX/XX/year>. On this letter they claimed Pursuant to your request, as of the date of the letter, the balance on the account is {$3600.00}. I did not request information about this nor would have I had it sent to an address I havent lived at in almost a year, its been about 9 months since I lived at the address the debt collect had claimed to not only contact me but said I requested information which I did not. Without receiving notice they also collected my state tax refund I was not informed of this until I received a letter in the mail from the state treasury informing me that my tax refund was being seized yet I did not receive any notice from this debt collect because they chose to keep contacting an old address so I would not be able to fight the debt. I am currently not working and taking care of my daughter full time who is XXXX XXXX and was born with XXXX XXXX XXXX. She has a XXXX my family and I have been through enough trauma and the practices of this debt collect have been very painful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: AR

Complaint narrative:
Cash app was not letting me have access to my funds for numerous amounts of time I called one time and they didnt give me access and also took a long time to receive my password reset. I also had over draft fees charged to my account for numerous amounts. The dates to be exact were from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 


XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 


XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit information. 

XX/XX/XXXX : credit check done for new home and identity theft played apart of the problem with my score and denial I qualified for everything else but that did not matter unfortunately because I was left without a home and the wrong credit 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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Experian as failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved, the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against a spirit? Esperien alleging systematic issues such as failure to forward consumer provided evidence to furnishing unreliable responses and failing to adequately notify consumers of disputed outcomes these failures align with my experience with experience has neither corrected nor remove disputed items. Despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experien inaction violates federal law and my rights as a consumer.

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 2025-02-23 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: NC

Complaint narrative:
Experian as failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved, the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against a spirit? Esperien alleging systematic issues such as failure to forward consumer provided evidence to furnishing unreliable responses and failing to adequately notify consumers of disputed outcomes these failures align with my experience with experience has neither corrected nor remove disputed items. Despite the evidence I have provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experien inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: CA

Complaint narrative:
I have accounts on my credit report that I did not open please review attached document.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
{$1500.00}, XX/XX/year> and the company called fair collections and outsourcing They keep calling my phone and sending text messages to my phone number with different companies

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