vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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:
Re : Experian Failure to Properly Investigate and Remove Disputed Accounts Dear CFPB, I am filing a formal complaint against Experian for failing to properly investigate and remove inaccurate negative accounts from my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This law requires Experian to provide a notice that includes the specific reasons for its determination when declining to remove disputed information. 

I recently reviewed my credit report from Experian ( Report XXXX : XXXX, dated XX/XX/scrub>XXXX XXXX XXXX and found several inaccurate negative accounts that I disputed directly with Experian. However, Experian failed to conduct a proper investigation and did not provide adequate justification for continuing to report these accounts. The disputed accounts include XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Account No. XXXX ) Charged-off accouXXXX XXXX XXXX XXXX XXXX XXXX  ( Account No. XXXX ) Collection account that should not be reported. 
XXXX XXXX XXXX XXXX XXXX  ( Account No. XXXX ) Incorrectly reported collection account. 
XXXX. XXXX XXXX XXXX ( Account No. XXXX ) Collection account that has incorrect information. 
XXXX XXXXXXXX XXXX XXXX ( Account No. XXXX ) Charged-off account that was previously disputed and should be removed. 

Despite my formal disputes, Experian has failed to verify the accuracy of these accounts as required by law. Additionally, Experian did not provide a proper explanation as mandated under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( XXXX ). 

Please confirm receipt of this complaint. 

Sincerely, 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AL

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: AL

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-03-22 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: CA

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am a victim of a recent data breach, and as such, I request the immediate blocking and deletion of any accounts related to this incident on my credit report, in accordance with 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), you are required to block and remove any information on my credit report resulting from identity theft or a data breach that is not verified as being legitimately associated with me. Given that I am a victim of this data breach, I request that you immediately block and delete any accounts that are linked to this breach, as I have no knowledge or involvement with these accounts.

Please find the relevant account information below for your reference : The following accounts have been impacted : XXXX XXXX  Account Number : XXXX Amount : {$470.00} Date of Closure : XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$3000.00} Date of Closure : XX/XX/XXXX I also request that you provide me with confirmation in writing that these accounts have been blocked and deleted from my credit report. I trust you will take immediate action to comply with this request as required under federal law. Failure to do so will result in the escalation of this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other necessary regulatory authorities. 
Please block and remove these accounts within four business days, as this is preventing me from being able to open a bank account and causing me significant distress. Failure to delete the above-referenced accounts from my report and provide a corrected copy of my credit report once the changes have been made will leave me no choice but to pursue legal action. I will seek damages of {$1000.00} per violation for the following reasons : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Violations of the Fair Debt Collection Practices Act, 15 USC 1692g Violations of the Fair Credit Reporting Act, 15 USC 1681, specifically regarding willful noncompliance under 616. Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]

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 2025-03-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Affirm Holdings, Inc
State: NE

Complaint narrative:
I have demanded Affirm to close this account twice and they keep giving me excuses as to why they can't close this account I have been asking for over 2 months now and it's still open without my consent. 

I have ask this company not to sell my information and it has been blocked and not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got a hard inquiry from capital one, and it supposed to be a per-approval. Instead I got a hard inquiry so whats the problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS IMMEDIATELY DUE TO THE RECENT DATA BREACH [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, PA, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] [ TRANSUNION ] [ XXXX XXXX XXXX XXXX  [ XXXX, PA, XXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ TRANSUNION ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( XXXX ) on my report contain errors and must be investigated and removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Nature of Dispute : [ fraudulent accounts ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected.

Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. 

I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. 

Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. 

Please respond in writing to the address above within the required timeframe. 

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 non-monetary relief
Consumer complaint received 2025-03-22 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: MS

Complaint narrative:
Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/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 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 a student loan account opened at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnder account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer 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 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 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I still told ally that this was not my loan nor was that my signature on the documents they sent through the cfpb I have also did a identity theft report the company still refused to take it off my credit file! Its been years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered outdated addresses, phone numbers, and employers that do not reflect my current or past information accurately. The presence of these inaccuracies could negatively impact my credit profile and financial standing. 

Due to a recent data breach, I am increasingly concerned that this outdated information could be exploited by criminals attempting to impersonate me. Having inaccurate personal data on my credit report creates unnecessary risks of identity theft and fraud. It is crucial that this information is corrected to prevent potential misuse. 

The only name should be XXXX XXXX XXXX The only address should be : XXXX XXXX XXXX, XXXX GA XXXX The only telephone number should be : XXXX There should be no employer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered outdated addresses, phone numbers, and employers that do not reflect my current or past information accurately. The presence of these inaccuracies could negatively impact my credit profile and financial standing. 

Due to a recent data breach, I am increasingly concerned that this outdated information could be exploited by criminals attempting to impersonate me. Having inaccurate personal data on my credit report creates unnecessary risks of identity theft and fraud. It is crucial that this information is corrected to prevent potential misuse. 

The only name should be XXXX XXXX XXXX The only address should be : XXXX XXXX XXXX, XXXX GA XXXX The only telephone number should be : XXXX There should be no employer

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 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MI

Complaint narrative:
The company TEK-COLLECT INC is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above ( XXXX XXXX XXXX ) DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency TEK-COLLECT INC can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXXXXXX and the debt does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Sometime around XX/XX/2024, my cash app account was closed without any real reason or feedback. I was instantly locked out my account with no regards to the fact that I have customers that pay me through there. No proper investigation was conducted and until this day I'm locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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 am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor. 

Late Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief