vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX CC : TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Investigation Request Regarding Unauthorized Collection Accounts Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion, Equifax, and Experian for failing to remove multiple unauthorized collection accounts from my credit report, despite my formal disputes and supporting documentation proving identity theft. 

After being denied credit, I obtained my credit report and discovered the following fraudulent collection accounts that I did not open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence of identity theft. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) and California Civil Code 1785.16.2, I formally requested the removal of these fraudulent accounts. However, despite my dispute, these credit bureaus continue to report the false information, negatively impacting my creditworthiness. 
Additionally, under California Civil Code 1785.25 ( a ), data furnishers are prohibited from reporting inaccurate information. These collection agencies are in clear violation of this law by failing to correct fraudulent data after being notified. The refusal of TransUnion, Equifax, and Experian to delete these accounts also violates FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and correct inaccuracies within 30 days. 

I am requesting the CFPBs immediate intervention to ensure that all three 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 non-monetary relief
Consumer complaint received 2025-02-26 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:
XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX CC : TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Investigation Request Regarding Unauthorized Collection Accounts Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion, Equifax, and Experian for failing to remove multiple unauthorized collection accounts from my credit report, despite my formal disputes and supporting documentation proving identity theft. 

After being denied credit, I obtained my credit report and discovered the following fraudulent collection accounts that I did not open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence of identity theft. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) and California Civil Code 1785.16.2, I formally requested the removal of these fraudulent accounts. However, despite my dispute, these credit bureaus continue to report the false information, negatively impacting my creditworthiness. 
Additionally, under California Civil Code 1785.25 ( a ), data furnishers are prohibited from reporting inaccurate information. These collection agencies are in clear violation of this law by failing to correct fraudulent data after being notified. The refusal of TransUnion, Equifax, and Experian to delete these accounts also violates FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and correct inaccuracies within 30 days. 

I am requesting the CFPBs immediate intervention to ensure that all three credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-26 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 Us. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting ag

ency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatmen
t of inaccurate or unverifiable information ( A ) In general 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- ( ipromptly 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 ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : 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 2025-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 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 2025-02-26 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: CA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CT

Complaint narrative:
I am writing to formally request a detailed explanation regarding the verification process conducted on the XXXX account appearing on my credit report. Upon reviewing my report, I noticed discrepancies in the account numbers being reported across different bureaus. Specifically, I have observed that the same XXXX account is being reported under XXXX different account numbers : XXXX This raises concerns regarding the accuracy and completeness of the information furnished. 

XXXX Acct # XXXX How was this information verified- this account reports XXXX different account numbers for each credit bureaus. YOU ALL HAVE NOT DONE YOUR DUE DILIGENCE IN CORRECTLY AND ACCURATELY REPORTING THIS ACCOUNT. Furthermore, I DO NOT HAVE A CONTRACT WITH THIS COMPANY! IMMEDIATELY DELETE THIS ACCOUNT FROM MY CREDIT REPORT. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), specifically : FCRA 609 ( a ) ( 1 ) I have the right to know the information in my file and how it was verified.

FCRA 611 ( a ) ( 1 ) ( A ) If I dispute the accuracy of an item, you are required to reinvestigate and verify the accuracy of the disputed item.

FCRA 623 ( a ) ( 3 ) Information providers must provide accurate and complete information.

FCRA 605B Inaccurate or fraudulent information must be corrected or removed.

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, credit reporting agencies are obligated to ensure that reported information is accurate, verifiable, and compliant with consumer protection standards. 
I hereby request : 1. A detailed breakdown of the steps taken to verify the accuracy of the XXXX account being reported.

2. The specific sources contacted to verify the account details.

3. Documentation or evidence used to confirm the accuracy of the reported account information.

4. A statement explaining why XXXX different account numbers are being reported for the same account. 

If the information can not be adequately verified per FCRA and CFPB regulations, I formally request that the inaccurate and unverifiable information be corrected or removed from my credit file immediately. 
Failure to provide this information within 30 days of receipt of this letter may constitute a violation of my rights under the FCRA and CFPB guidelines, and I will take the necessary steps to escalate this matter. 
Please respond in writing with the requested verification details at your earliest convenience. 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 2025-02-26 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: PA

Complaint narrative:
Dear Equifax, I am writing to formally dispute certain inaccurate information on my credit report. After reviewing my credit report provided by your agency, I have identified incorrect personal information that requires correction. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit and Reporting Enforcement Act ( FCEUA ) to request an investigation and prompt resolution of this issue.

The following information is inaccurate on my credit report : NAMES REPORTED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYMENT INFO : XXXX I am requesting that this information be thoroughly investigated and removed. I have attached the following documentation to support my dispute : Driver License, utility bill, and social security card. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute. If the information is found to be inaccurate or unverifiable, I request that it be corrected or removed from my credit file promptly. Furthermore, under the FCEUA, I expect any violations of credit reporting laws to be addressed. 

Please send me the results of your investigation along with an updated copy of my credit report reflecting the corrections. 

If you need any further information or documentation, please contact me at the above address or by phone at [ XXXX ]. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-26 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: OK

Complaint narrative:
In XXXXXXXX XXXX XXXX, I wrote several letters to the three credit bureaus, XXXX and the Bankruptcy Court requesting that a Public Record be removed from my credit report. I did not give permission to any of these sources to furnish any unverifiable information. The Bankruptcy Court do not report to any credit bureau. Experian, TransUnion and Equifax, are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports.

The three credit bureaus improperly reported an alleged Public Record to the credit report that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, they are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by alleged Court of Record. I formally contest the reportability of the alleged Public Record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: OK

Complaint narrative:
In XXXXXXXX XXXX XXXX, I wrote several letters to the three credit bureaus, XXXX and the Bankruptcy Court requesting that a Public Record be removed from my credit report. I did not give permission to any of these sources to furnish any unverifiable information. The Bankruptcy Court do not report to any credit bureau. Experian, TransUnion and Equifax, are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports.

The three credit bureaus improperly reported an alleged Public Record to the credit report that is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA and thus damaging my credit. Without being certifiably compliant with METRO2 reporting standards, they are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by alleged Court of Record. I formally contest the reportability of the alleged Public Record.

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 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld for XXXX.I never lived at this address on file XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I would like to delete the following accounts as soon as possible since they do not belong to me : 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 2025-02-26 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My mother received an email from XXXX with a {$480.00} invoice for bitcoin. Invoice included a phone # that she called. The man she spoke to had a thick accent and told her that her email had been hacked in NY, NJ, and Ohio and offered to connect her to the fraud dept of her bank. Then he transferred her to XXXX at " XXXX XXXX  Fraud Dept. '' She asked for the following information that my mother provided. 

Name Date of birth Last four of social security number She told them she has a XXXX Credit Card and Debit Card along w/ checking and savings accounts I do not believe she was really talking to XXXX and that she's been a victim of a scam. She is an elderly woman whose husband is in the hospital with XXXX  XXXX XXXX and just had a XXXX XXXX. She is overwhelmed and didn't think about who she was giving her information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief