vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
Date : XXXX Investigation Request Letter To Whom It May Concern : I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. Please note that these accounts are still inaccurate and your company is continuing to report these erroneous errors. It is my understanding that you should be in receipt of the following documents : 1. Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history Therefore, your company shouldnt have a problem with providing me with the information listed above to prove the validity of these accounts. 
ACCOUNT NAME : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS THE 3RD ATTEMPT TO GET THE REQUESTED DOCUMENT THAT I REFRENCED ABOVE. I WILL BE FORWARDING A COPY OF THIS REQUEST TO THE CFPB AS WELL. 

The above listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692.

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 : States : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692 ( c ) States : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection of any debt.

If you cant produce these documents, Im requesting these accounts to be removed immediately, unless you want to be held to {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-02-04 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: SC

Complaint narrative:
The accounts listed are not mine and were not authorized to access my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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
Consumer complaint received 2025-02-04 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:
Dear Experian Dispute Department, I am reaching out to dispute an account that has been incorrectly listed on my credit report. This account does not belong to me, and I request its immediate removal : XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter and its correction. 

Please confirm in writing when this item has been removed. Let me know if you require additional details.

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 2025-02-04 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: PR

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 



EQUIFAX TRANSUNION Experian SUBJECT : Forma Dispute Regarding Inaccurate Information On My Credit Report. 

Dear : Equifax, Tranunion, Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. Im aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuraciens, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Exprerian for its failure to properly investigate consumer disputes, citing, sham investigation and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about the investigation resuls effectively. 

These obligations highlight systemic issues that directly undermine consumer prtextions and perpetuate the inclusion of inaccurate information on credit report. I am deeply concerned that my disopte may be mishandled a similar manner.

Prease review the inaccurate information being report : Under the FCRA you are required to : Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear and comprehensible manner. 

Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is removed from my credit report promptly. 

If the investigation concludes that the information can not be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report. 
Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies. 

Thanks for addressing this matter for me very soon. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I paid XXXX XXXX for about 3 years and they did not one thing to my credit report. I was paying {$110.00} a month for 3 years. I want my money back because they have a lawsuit going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MI

Complaint narrative:
Never been investigated the right way I want dispute everything on my 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 explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Coinbase has frozen my account for XXXX months due to " suspicious activity '' and refuses to allow me to exchange my XXXX for cash and remove my money from coinbase to my bank account. If they lack security to protect my money and all they can do is lock my account so I can't access my money, this amounts to fraud and theft on their part. I want my XXXX converted to cash and all cash released so I can withdraw it to my secure bank account. 
As of XX/XX/year> I have {$6000.00} in XXXX and {$890.00} in cash in the account, I want to cash my XXXX and remove all my funds from coinbase. I am a 100 % XXXX vet and they are holding my XXXX funds against my will and for no clear reason and I do not trust a single word they say. The internet is full of people saying how coinbase freezes accounts for months and months and I refuse to let them steal my money out of what they perceive as " security '' which they do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 2025-02-04 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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. 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I speak appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: GA

Complaint narrative:
To Whom It May Concern, I am reaching out to formally dispute certain inaccuracies on my credit report and to report an instance of identity theft involving the unauthorized use of my Social Security number. This matter falls under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the highest level of accuracy in consumer files. The following accounts, inquiries, and public records reflect fraudulent activity and should be removed immediately : Accounts to Be Deleted : XXXX XXXX XXXX Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record to Be Deleted : XXXXXXXX XXXX XX/XX/year> Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Additionally, under

15 U.S.C. 1681c-2, any information proven to be linked to identity theft must be blocked from my credit file within four business days of receiving a valid identity theft report. I request that these errors be addressed immediately per this legal requirement.

The misuse of my Social Security number for unauthorized accounts constitutes a violation of 15 U.S.C. 1692e, which prohibits deceptive practices in credit reporting. Furthermore, under 15 U.S.C. 1681s-2, data furnishers are required to ensure the accuracy of the information they provide and must thoroughly investigate any disputes. The continued reporting of fraudulent data violates this obligation.

Under 15 U.S.C. 1681i, I formally request an investigation into these disputed items. Any unverifiable, incorrect, or fraudulent information must be removed without delay. Should these inaccuracies persist, I am prepared to take the necessary steps to enforce my rights under federal law.

This letter should be considered an official identity theft report. I have enclosed supporting documentation for reference. I expect a written confirmation of your investigation results within the legally mandated 30-day timeframe.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: WI

Complaint narrative:
XXXX XXXX XXXX has sent XXXX accounts to collections XXXX from XX/XX/year> and a second from XX/XX/XXXX both totaling to {$490.00} which I was never contacted on.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App 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 2025-02-04 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I HAVE NOT DONE ANY BUSINESS WITH THIS COMPANY NOR I GAVE AUTHORIZATION TO REPORT ON MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a JPMCB AUTO FINANCE inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I have had cashapp for over 5 years and have had funds transferred to the wrong telephone number becuase the person got a new number. Cashapp refused to help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Kikoff Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a fraudulent account or transaction that appears on my credit report. This account was opened or reported without my authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related identity theft protection laws.

ber : FCRA & Identity Theft Violations Related to This Account : 1. Unauthorized Reporting of Fraudulent Information ( 15 U.S.C. 1681b ) Credit reporting agencies must ensure that only authorized and legitimate information is included in my credit report.

2. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) If I dispute fraudulent information, the credit bureau is legally required to conduct a proper investigation within 30 days and remove unverifiable or fraudulent data.

3. Fraud Alerts and Security Freezes ( 15 U.S.C. 1681c-1 & 1681c-2 ) As a victim of fraud, I request that a fraud alert be placed on my credit file and that any unauthorized accounts be blocked from further reporting.

4. Identity Theft Protection ( 15 U.S.C. 1681m ) If this fraudulent activity resulted from identity theft, the FCRA requires credit bureaus to take appropriate actions to protect me from further harm.

Requested Action : Immediately remove the fraudulent account or inquiry from my credit report.

Place a fraud alert on my file to prevent further unauthorized activity.

Provide me with a corrected copy of my credit report reflecting these changes.

I have attached several copies of my identity theft report, supporting documents to verify my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Possible Financial Inc
State: TX

Complaint narrative:
I am writing to formally dispute a fraudulent account or transaction that appears on my credit report. This account was opened or reported without my authorization, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and related identity theft protection laws. 
ber : FCRA & Identity Theft Violations Related to This Account : 1. Unauthorized Reporting of Fraudulent Information ( 15 U.S.C. 1681b ) Credit reporting agencies must ensure that only authorized and legitimate information is included in my credit report. 
2. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) If I dispute fraudulent information, the credit bureau is legally required to conduct a proper investigation within 30 days and remove unverifiable or fraudulent data. 
3. Fraud Alerts and Security Freezes ( 15 U.S.C. 1681c-1 & 1681c-2 ) As a victim of fraud, I request that a fraud alert be placed on my credit file and that any unauthorized accounts be blocked from further reporting. 
4. Identity Theft Protection ( 15 U.S.C. 1681m ) If this fraudulent activity resulted from identity theft, the FCRA requires credit bureaus to take appropriate actions to protect me from further harm. 

Requested Action : Immediately remove the fraudulent account or inquiry from my credit report. 
Place a fraud alert on my file to prevent further unauthorized activity. 
Provide me with a corrected copy of my credit report reflecting these changes. 

I have attached several copies of my identity theft report, supporting documents to verify my claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of the accounts listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these accounts are the result of identity theft and are not legitimately mine. I have not authorized these accounts.

I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following accounts and associated information must be blocked and deleted from my credit reports immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

Company response to consumer: Closed with non-monetary relief