vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: VA

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Its pretty simple federal law dictated that a requested item be presented. Experian had broken federal law and has refused me those rights I have 2 medical collections that dont belong to me. But we are way past that. Even if I did they still would have to delete. Again its been well over 60 days that I have requested the contract per 15 us code s 1692g is my right to do. This has been well over 60 days almost 70. XXXX  refusing me of my rights. According to federal law they must delete. XXXX  has broken several laws. And is playing games. My recent disputes are now coming back that I disputed address changes that I didnt. Or saying they dont know what company these are about they know. XXXX has done malicious acts against me the cunumer. They also have broke. Implemented law 2021 till this day I have not heard anything from there partner in trying to collect on this dept. the only ones that are is Experian. No attempt to contact no report. These collections are from XXXXXXXX XXXX XXXX XXXX different collections that Experian has been trying to force me to pay while refusing me of my rights and breaking federal law to do so. Again to make this clear Im complaining that XXXX  credit reporting company has denied me of my rights and broken federal law multiple times in order to valedate XXXX XXXX XXXX from XXXXXXXX XXXX XXXX  that really belong to XXXX XXXX. The reason XXXXXXXX XXXX XXXX have no responded is because they know there wasnt a contract with me agreeing to this ever I get free medical any type of medical. We must follow the law and delete these XXXX collections any of my XXXX reasons should have been enough to delete these all three together why are they still fighting this. Lets hold this crooked company accountable there one job report accurate and fairly. They sure havent been close and not because they have made a mistake this is malicious on there part.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: TX

Complaint narrative:
My account is locked. I am unable to log into my account to make a payment or view statements as a consumer. I tried to enter my username and password multiple times and it will not work. I still have a balance and needs access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer Dispute Center ( TU ) XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
XXXX AMSHER COLL # XXXX Please verify this account. 
XXXX XXXX  XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: OH

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TN

Complaint narrative:
Fraudulent inquiries Occurred on my report XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Home XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had fraud activity I have a max limit of {$300.00} & I got mail saying my account was closed and I owed over {$1000.00} and thats not right because someone used my card info and made purchases I was unaware of and. I dont understand how they even allowed for that to happen. On my XXXX XXXX it says my social and email info was compromised on dark web I have proof of everything. I had to go to court because a girl used my name and birthdate and got a felony charge in my name which resulted to me going to court and getting a judicial clearance paper which I still have to show it wasnt me who committed the crime I am a victim of identity theft and Im willing to provide whatever proof needed to get this cleared and my credit back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-02-22 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: VA

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to the FCRA

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 2025-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX EQUIFAX LEGAL Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax I am writing to formally dispute inaccurate information on my credit report that | believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 


Pursuant 15 USC 1681i A6B3 I disputed XXXX ACCOUNT, complaint # XXXX on XX/XX/XXXX for inaccuracy. 

Equifax completed the investigation on XX/XX/XXXX. In violation of the 30 days as required by FCRA I am deeply concerned that my dispute may have been mishandled in not being properly investigated..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Subject : Complaint Against Credit Collection Services for Failure to Respond to Debt Validation Requests Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint against Credit Collection Services due to their failure to respond to my debt validation requests. 

On XX/XX/XXXX, I sent a debt validation request to Credit Collection Services using the address listed on my credit report. Sent by certified mail tracking number XXXX XXXX XXXX XXXX XXXX I have proof of delivery confirming that the letter was received on XX/XX/XXXX. However, I never received a response. I mail second request letter on XXXX XXXX Since the law requires a debt collector to provide validation upon request, I sent a third letter on XX/XX/XXXX, reiterating my request. Today, XX/XX/XXXX, I still have not received any response. Sent by certified mail tracking number XXXX XXXX XXXX XXXX XXXX Attached to this complaint, I have included : -A copy of my debt validation letter sent on XX/XX/XXXX -Proof of delivery showing that Credit Collection Services received my request on XX/XX/XXXX -A copy of my second letter sent on XX/XX/XXXX I appreciate your prompt attention to this matter and look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: Early Warning Services, LLC
State: WA

Complaint narrative:
I have noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts that I have no connection to. As a victim of identity theft, my personal information was used fraudulently, resulting in items on my report that I was never associated with. Following the guidance of credit reporting agencies, I promptly filed an FTC report and submitted it as required. However, despite taking these necessary steps, these fraudulent items still remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will instigate this item for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will instigate this item for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section XXXX of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
Hello, On XX/XX/2025 I was trying to speak with a chime representative. I googled chimes number and a number populated saying talk to a live agent. I clicked on the number and a man quickly was on the line he claimed he worked for chime and asked my issue. I explained how my paper check wasnt uploading to be deposited. He then told me he had to update my account to be able to deposit this check. He sent me a link and told me to go to pay and put this XXXX XXXX  name in for numerous amounts and put test in the comments. I didnt see it was really pulling money from my account. Then he told me to go to cash app because they had a partner ship with chime. He told me to send an amount via bitcoin and the funds would be deposited back into my account. At that moment I realized I was getting scammed and they took XXXX from my account. I filed a dispute with chime for the pays to XXXX and they claimed the information was not disputed. I then just today put in a claim for the cash app transaction and am awaiting answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute several inaccuracies in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. The information listed below is incorrect and must be investigated, corrected, or deleted immediately as required by law. 

XXXX XXXX XXXX XXXX XXXX. Account Status Discrepancy XXXX & XXXX : Reports account as " Closed '' XXXX : Reports account as " Open '' Dispute Reason : This inconsistency violates FCRA 1681e ( b ), which mandates accurate reporting. If two bureaus are reporting the account as closed, the third should not list it as open. Please correct or delete the erroneous information. 

2. Payment Status Discrepancy XXXX XXXX XXXX : Reports " Late 120 Days '' XXXX : Reports " Foreclosure '' Dispute Reason : This is a significant factual inaccuracy. The payment status can not be both " Late 120 Days '' and " Foreclosure '' simultaneously. This misrepresentation negatively impacts my creditworthiness and must be corrected per FCRA 1681i ( a ). 

3. Creditor Type Discrepancy XXXX XXXX XXXX : Reports " Miscellaneous Government '' XXXX : Reports " State '' Dispute Reason : The reporting of different creditor types across the bureaus is misleading. Under FCRA 1681e ( b ), only accurate and consistent data should be reported. Please correct this discrepancy. 

4. Last Payment Date Discrepancy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reports " XX/XX/2022 '' Dispute Reason : The last payment date must be uniform across all three bureaus. The inconsistency violates FCRA 1681s-2 ( a ), which requires furnishers to provide accurate data. 

5. Creditor Remarks Discrepancy XXXX : Reports " Foreclosure redeemed '' XXXX : Reports " Credit grantor reclaimed collateral to settle defaulted mortgage. '' XXXX : Reports " Real Estate Mortgage '' Dispute Reason : The explanation regarding foreclosure should be clear and consistent across all bureaus. These conflicting statements cause confusion and require immediate correction per FCRA 1681i. 

Given these discrepancies, I demand : A thorough investigation into these inaccuracies. 

Immediate correction or deletion of all incorrect information. 

A corrected copy of my credit report upon completion of your investigation.

Notification of corrections to any party that has accessed my report within the last six months ( per FCRA 1681i ( d ) ).

If the disputed information can not be verified, I expect it to be removed from my credit report under FCRA 1681i ( a ) ( 5 ). Please provide me with a written response within 30 days as required by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: PA

Complaint narrative:
Kindly ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not authorize or recognize these accounts. As stated in USC 1681g, I formally request their removal within the next 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation