vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC.

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-06 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:
I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/year> BALANCE : {$27000.00}

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 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: CA

Complaint narrative:
I am filing a dispute regarding EFinancials reporting of an account under my name. I have contacted the U.S. Department of Education, and they have confirmed that there is no record of XXXX being the servicer of any federal student loan associated with me. Despite this, XXXX has reported an account under my name without any legal documentation proving their authority.

I am requesting that the CFPB take immediate action and require EFinancial to : 1. **Provide verifiable documentation** proving they are the authorized servicer of my alleged federal student loan.

2. **Cease all credit reporting** of this account unless they can provide lawful proof that I am responsible for it.

3. **Comply with federal laws** regarding student loan servicing and credit reporting. 
If XXXX can not provide proper documentation from the Department of Education, their actions constitute fraudulent reporting and should be addressed accordingly. I request that this account be removed from my credit report immediately if they fail to provide legal proof. 
I appreciate the CFPBs prompt attention to this matter and look forward to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
My credit report contains incorrect personal information, which has led to unknown and inaccurate accounts appearing on my record. These accounts do not belong to me, and I demand their immediate removal. I have already provided supporting documentation to prove these accounts are fraudulent, yet the issue remains unresolved. Additionally, my personal information needs to be updated accurately to prevent further errors or potential 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 2025-02-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to have it corrected. The issues I have encountered align with the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, which highlights failures in properly handling disputes and correcting inaccurate information. 

I have attempted to resolve these errors through the proper dispute process, yet the incorrect information remains, negatively impacting my credit standing. Below are the disputed items : XXXX XXXX - XXXX Issue : not my account wrong Infromation Supporting Documents : attached license and social As mandated by the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct any inaccuracies within 30 days of receiving this dispute. Given the CFPBs lawsuit against Equifax for similar failures, I expect immediate and thorough action to rectify these errors. 

I request that you : Conduct a full investigation into the disputed items. 

Provide written confirmation of the corrections made. 

Send me an updated copy of my credit report. 

Provide details on how these inaccuracies were verified if no changes are made. 

Please consider this letter as a formal dispute, and I expect compliance with all FCRA regulations. Failure to correct these errors may result in further legal action, including filing complaints with the CFPB and other regulatory agencies. 

I appreciate your prompt attention to this matter. Please respond in writing to the address listed above. 

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 2025-02-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to have it corrected. The issues I have encountered align with the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, which highlights failures in properly handling disputes and correcting inaccurate information. 

I have attempted to resolve these errors through the proper dispute process, yet the incorrect information remains, negatively impacting my credit standing. Below are the disputed items : XXXX XXXX - XXXX Issue : not my account wrong Infromation Supporting Documents : attached license and social As mandated by the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct any inaccuracies within 30 days of receiving this dispute. Given the CFPBs lawsuit against Equifax for similar failures, I expect immediate and thorough action to rectify these errors. 

I request that you : Conduct a full investigation into the disputed items. 

Provide written confirmation of the corrections made. 

Send me an updated copy of my credit report. 

Provide details on how these inaccuracies were verified if no changes are made. 

Please consider this letter as a formal dispute, and I expect compliance with all FCRA regulations. Failure to correct these errors may result in further legal action, including filing complaints with the CFPB and other regulatory agencies. 

I appreciate your prompt attention to this matter. Please respond in writing to the address listed above. 

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Company or Organization XXXX XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$7600.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$300.00} Other Identity Theft Company or Organization : the company Fraudulent Online Shopping or Payment Account Company or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$19000.00}

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I received a XXXX from IRS that a third party ( company : BLOCK , INC F/K/A SQUARE INC ) reported that I received {$100000.00} that was not included when filing the XXXX Income Tax Return. I did not receive or transact that amount with this company. I believe that I am victim of Identity theft or fraudulent activity from this company. After researching, I found out that they own Cash app in which I have a personal account. Even then, I dont have that transaction and I only have {$20.00} on that account. I contacted Cash app and Block Inc many many times via phone and email but they are not helpful. On a phone conversation Cash app also verified that theres no information or transaction amounting to {$100000.00} found on my account. I had an appointment with IRS assistance center and reported this incident as well. Also filed a report to FTC and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name - XXXXXXXX XXXX XXXX  ( CLOSED ) - XXXX XXXXXXXX XXXX Account Name - XXXXXXXX XXXX XXXX - XXXX Transunion Account Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX is reporting that the account is PAID while Transunion is reporting the account as CLOSED. 

XXXX and XXXX is reporting that the account was opened on XX/XX/XXXX while Transunion is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$7000.00} while Transunion and XXXX are reporting {$8800.00}. 

XXXX and Transunion are reporting the status of the account as current while XXXX is reporting the status as late 180 DAYS and Transunion. 

XXXX is reporting a last report date of XX/XX/XXXX, XXXX is reporting a last date report of XX/XX/XXXX, and Transunion is reporting a last report date of XX/XX/XXXX. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, XXXX is reporting the last date of activity as XX/XX/XXXX and Transunion is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

XXXX Account Name - XXXXXXXX XXXX XXXX ( CLOSED ) - xxxxxxxx XXXX Experian Account Name - XXXXXXXX XXXX XXXX - XXXX XXXX Account Name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Experian is reporting that the account is PAID while XXXX is reporting the account as CLOSED. 

XXXX and Experian is reporting that the account was opened on XX/XX/XXXX while XXXX is reporting it being opened on XX/XX/XXXX. 

XXXX is reporting a high credit balance of {$7000.00} while XXXX and Experian are reporting {$8800.00}. 

XXXX and XXXX are reporting the status of the account as current while Experian is reporting the status as late 180 DAYS and XXXX. 

XXXX is reporting a last report date of XX/XX/XXXX, Experian is reporting a last date report of XX/XX/XXXX, and XXXX is reporting a last report date of XX/XX/XXXX. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. XXXX is reporting last date of activity as XX/XX/XXXX, Experian is reporting the last date of activity as XX/XX/XXXX and XXXX is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.

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 2025-02-06 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: FL

Complaint narrative:
Re : INACCURATE REPORTING To Whom This May Concern : Im writing you regarding to multiple discrepancies and inaccuracies on the accounts listed below that I have noticed on my credit report. 

Equifax Account Name - XXXXXXXX XXXX XXXX  ( CLOSED ) - xxxxxxxx XXXX XXXX Account Name - XXXXXXXX XXXX XXXX - XXXX XXXX Account Name - XXXXXXXX XXXX XXXX XXXX XXXX Equifax and XXXX is reporting that the account is PAID while XXXX is reporting the account as CLOSED. 

Equifax and XXXX is reporting that the account was opened on XX/XX/XXXX while XXXX is reporting it being opened on XX/XX/XXXX. 

Equifax is reporting a high credit balance of {$7000.00} while XXXX and XXXX are reporting {$8800.00}. 

Equifax and XXXX are reporting the status of the account as current while XXXX is reporting the status as late 180 DAYS and XXXX. 

Equifax is reporting a last report date of XX/XX/XXXX, XXXX is reporting a last date report of XX/XX/XXXX, and XXXX is reporting a last report date of XX/XX/XXXX. 

This account is being reported with different date of activity date and continuously being updated amongst each credit bureaus and is not properly verified or consistent. Equifax is reporting last date of activity as XX/XX/XXXX, XXXX is reporting the last date of activity as XX/XX/XXXX and XXXX is reporting the last date of activity as XX/XX/XXXX. 

You are negatively affecting my credit score due to inaccurate reporting. According to the FCRA, Section 611 ( 5 ) ( A ), you are required to DELETE all information that is inaccurate, incomplete, or which can not be verified IMMEDIATELY from my credit report. 

Please send me an updated credit report within 30 days of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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:
The following accounts were opened by fraud I have attached a theft report. 

XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT 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 2025-02-06 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: FL

Complaint narrative:
The following accounts were opened by fraud I have attached a theft report. 

XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
Heres my story : My sons XXXX got hacked one XX/XX/XXXX and the hacker was sending his friends ugly messages from his account. So I called a number that was supposed to be XXXX  customer service to get his account removed. The guy that answered said he was a XXXX customer service representative and he would help me with my sons XXXX account. He then told me that the person who hacked my sons XXXX, had also hacked my cashapp and that he needed to verify my identity to get the hackers out of my cashapp. He asked for a friends number that I trusted that could verify my identity and that I was a real person. They then proceeded to call my friend acting like they were cashapp and had us both download an app called XXXX. From there, they took control of mone and my friends cashapp accounts. They withdrew {$1400.00} out of my account into a XXXX XXXX XXXX without my permission!!!! I have no idea what XXXX XXXX XXXX is!! This was not an authorized transaction! They somehow got control of my account & im assuming it was through this XXXX app they asked me to download. Please Im begging you to help me with this!!! This was a scam and I need my money back! Cashapp has been no help to me. They keep saying this was an authorized transaction and it was not! 
Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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: NV

Complaint narrative:
I have not supplied proof under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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