vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: SC

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the actions of an XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and the subsequent impact on my credit report. 

XXXX XXXX failed to provide me with an itemized statement outlining any remaining balance owed at the end of my tenancy. Instead of notifying me of the balance, I was alerted via my credit report that a credit agency had obtained the alleged debt. To date, I have not received any itemized billing or documentation regarding the balance claimed to be outstanding. 

This lack of notification and failure to provide detailed information about the balance due is both unfair and has caused significant harm to my credit. I was not given an opportunity to review, verify, or dispute the debt prior to it being reported to the credit agencies. 

I am requesting the CFPBs assistance in investigating this matter. Specifically, I ask for help in obtaining an itemized statement of the alleged balance and ensuring that proper protocols were followed before the debt was sent to collections. 

Please let me know if additional information or documentation is needed to proceed with this complaint. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2025-01-25 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: TX

Complaint narrative:
XXXX will not remove their account ending XXXX from all Please reference Complaint No : XXXX Citi or XXXX XXXX will not remove their account information from my credit report with all 3 Major Credit Bureaus such as Transunion, XXXX, XXXX in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with XXXX bank XXXX XXXX XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. XXXX for XXXX to provide supporting documentation of my ownership or authorization signed by me for this account. XXXX XXXX did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX ID XXXX, XXXX ID XXXX with the XXXX XXXX XXXX who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the Security Operations Department who stated I had to speak with Probate because XXXX XXXX XXXX XXXX XXXX XXXX XXXX had account open in XXXX with my name involved. I spoke with XXXX ID XXXX and XXXX ID XXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from XXXX or XXXX XXXX with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from XXXX XXXX XXXX XXXX team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and XXXX XXXX responded with the wrong account response. XXXX is negligent and committing fraud.

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 2025-01-25 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: TX

Complaint narrative:
XXXX will not remove their account ending XXXX from all Please reference Complaint No : XXXX Citi or XXXX XXXX will not remove their account information from my credit report with all XXXX Major Credit Bureaus XXXX XXXX XXXX, Equifax, XXXX in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with XXXX bank XXXX XXXX XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. XXXX for XXXX to provide supporting documentation of my ownership or authorization signed by me for this account. XXXX XXXX did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX ID XXXX, XXXX ID XXXX with the XXXX XXXX Team who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the Security Operations Department who stated I had to speak with Probate becausXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had account open in XXXX with my name involved. I spoke with XXXX ID XXXX and XXXX ID XXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from XXXX or XXXX XXXX with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from XXXX XXXX XXXX XXXX team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and XXXX XXXX responded with the wrong account response. XXXX is negligent and committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
XXXX will not remove their account ending XXXX from all Please reference Complaint No : XXXX XXXX or XXXX XXXX will not remove their account information from my credit report with all XXXX Major Credit Bureaus such as XXXX, XXXX, Experian in which they are required by law due to this company not having any supporting documentation showing I signed or agreed to account ownership or authorized user. I spoken with the general customer service department who said they can not find an account with my name or SSN. The general customer department recommended I speak with XXXX XXXX Credit Disputes XXXX XXXX. I was instructed to send a letter with my name, ssn, address, phone. XXXX for XXXX to provide supporting documentation of my ownership or authorization signed by me for this account. XXXX XXXX did not send any type of supporting documentation of XXXX XXXX authorizing or signed any documents for ownership or authorized user. So I called back in XX/XX/XXXX. I spoke with XXXX ID XXXX, XXXX ID XXXX with the XXXX XXXX XXXX who still could not provide any supporting documentation of me signing an application or approving authorization of ownership for this account. Next they sent me to the XXXX XXXX Department who stated I had to speak with Probate because XXXX XXXX XXXX XXXX who passed away had account open in XXXX with my name involved. I spoke with XXXX ID XXXX and XXXX ID XXXX who would research and send documentation if existed. I still as of this day have not received anything supporting documentation of ownership from XXXX or XXXX XXXX with my signature on an application or my approval to be authorized for this account ending XXXX. I've made complaints XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've also talked with XXXX and XXXX from XXXX XXXX XXXX XXXX team who also could not provide ownership signature or proof of authorization by me from XX/XX/XXXX - present at XXXX. Texas State Attorney General Office filed a dispute and XXXX XXXX responded with the wrong account response. XXXX is negligent and committing fraud.

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 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
I sent letters via certified mail, to this company requesting information about the origin of the debt. I informed them that my information was exposed in a data breach, and I would like to know how they received my information. I also requested a copy of origin contract, or any documentation showing my signature. I received nothing in return. I have been reaching out for almost two years and still have received nothing. The only change is that it now shows as charged off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 2025-01-24 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: FL

Complaint narrative:
My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 XXXX AND XXXX to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( 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 XXXXXXXX XXXX XXXX XXXX of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX BANK AND XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section XXXXXXXX XXXX XXXX XXXX  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 XXXX 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 Update the late payments to paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I sent a XXXX payment of {$470.00} to XXXX XXXX doing business as XXXX XXXX XXXX in XXXX, NY. She was someone who I had previously purchased items from before with no problem. There was a miscommunication about the date to meet for me to receive the item and because of that, she refused to give me the item or a refund. She then blocked me on XXXX and never returned any dms, emails or phone calls. I immediately reached out to Bank of America and my claim was denied. I have the entire exchange as well as proof of the payment. 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 explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account # 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 2025-01-25 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: CA

Complaint narrative:
This account was charged off on the following date : XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to XXXX XXXX XXXX XXXX XXXX, if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to XXXX XXXX XXXX XXXX XXXX if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2025-01-25 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: PA

Complaint narrative:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. As part of my routine, I checked my report, but this time, I noticed unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a temporary glitch, but the errors remained. Since the inaccurate accounts did not disappear, I am requesting a thorough review of the documents I submitted to ensure I wont have to deal with this issue again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AZ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 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 explanation