vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 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: LA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to address ongoing issues with the credit bureaus ( Equifax, XXXX, and XXXX ) regarding fraudulent accounts that remain on my credit report despite multiple disputes and communications. I have repeatedly informed the credit bureaus that these accounts were opened without my knowledge or consent as part of identity theft, which began in XX/XX/XXXX. The accounts in question include : XXXX. XXXX XXXX - {$16000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX. XXXX XXXX - {$31000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX XXXX XXXX - {$430.00} ( Reported XX/XX/XXXX, Status : Closed ) To support my disputes, I have attached my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes, remove fraudulent accounts, and ensure my credit report reflects accurate information. Despite providing the FTC report and other supporting documents, the credit bureaus have failed to take appropriate action to remove these accounts. 

The presence of these fraudulent accounts is severely impacting my financial stability, creditworthiness, and ability to secure financial resources. I am bearing the burden of unjustly damaged credit due to these inaccuracies, and the inaction of the credit bureaus exacerbates the harm caused by the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX BANK, XXXX # XXXX ( late payment ) -- {$1300.00} XXXX # XXXX ( charge off ) -- {$4200.00} XXXX XXXX XXXX XXXX # XXXX ( late payment ) XXXX # XXXX ( repossession ) XXXX XXXX XXXXXXXX # XXXX ( charge off ) -- {$24000.00} XXXX XXXX XXXX # XXXX ( charge off ) -- {$80000.00} XXXX XXXX XXXX # XXXX ( collection ) -- {$1100.00} UXXXX XXXX : ODE XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to address ongoing issues with the credit bureaus ( XXXX, XXXX, and TransUnion ) regarding fraudulent accounts that remain on my credit report despite multiple disputes and communications. I have repeatedly informed the credit bureaus that these accounts were opened without my knowledge or consent as part of identity theft, which began in XX/XX/XXXX. The accounts in question include : XXXX. XXXX XXXX - {$16000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX. XXXX XXXX - {$31000.00} ( Reported XX/XX/XXXX, XXXX : Closed XXXX XXXX XXXX XXXX  - {$430.00} ( Reported XX/XX/XXXX, Status : Closed ) To support my disputes, I have attached my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes, remove fraudulent accounts, and ensure my credit report reflects accurate information. Despite providing the FTC report and other supporting documents, the credit bureaus have failed to take appropriate action to remove these accounts. 

The presence of these fraudulent accounts is severely impacting my financial stability, creditworthiness, and ability to secure financial resources. I am bearing the burden of unjustly damaged credit due to these inaccuracies, and the inaction of the credit bureaus exacerbates the harm caused by the identity theft.

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 2025-01-06 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to address ongoing issues with the credit bureaus ( XXXX, Experian, and XXXX ) regarding fraudulent accounts that remain on my credit report despite multiple disputes and communications. I have repeatedly informed the credit bureaus that these accounts were opened without my knowledge or consent as part of identity theft, which began in XX/XX/XXXX. The accounts in question include : XXXX. XXXX XXXX - {$16000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX. XXXX XXXX - {$31000.00} ( Reported XX/XX/XXXX, XXXX : Closed ) XXXX XXXX XXXX - {$430.00} ( Reported XX/XX/XXXX, Status : Closed ) To support my disputes, I have attached my FTC Identity Theft Report, which documents the fraudulent nature of these accounts. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes, remove fraudulent accounts, and ensure my credit report reflects accurate information. Despite providing the FTC report and other supporting documents, the credit bureaus have failed to take appropriate action to remove these accounts. 

The presence of these fraudulent accounts is severely impacting my financial stability, creditworthiness, and ability to secure financial resources. I am bearing the burden of unjustly damaged credit due to these inaccuracies, and the inaction of the credit bureaus exacerbates the harm caused by the identity theft.

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 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NV

Complaint narrative:
Hello, I had {$1800.00} in my cashapp account, and now there is nothing in there and I cant access my account, cash app wont get back to me and theres no transaction history for that amount so I feel like cash app scammed me, I reached out to them 3 times over the phone and they were of no help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute two fraudulent charges made on my credit card on XX/XX/year>, originating from XXXX in the amounts of {$1900.00} and {$1600.00}. 

At the time of these transactions, I was in XXXX, and my credit card was securely in my possession. I received a text message alert regarding these suspicious charges and promptly responded that I had not authorized them. 

Following my report, the bank conducted an investigation into my claim of fraudulent activity. However, I was informed that my claim was not approved, as indicated in the attached letter. Upon reviewing this correspondence, I noticed that the XXXX XXXX email address associated with the fraudulent transactions is not mine. I have never opened an account with XXXX, suggesting that an account may have been created in my name for the purpose of impersonation, which has since been closed, as the email address is no longer valid. 

As a long-standing customer of this bank for over 10 years, I have consistently made all payments on or before the due date, reflecting my reliability and lack of history regarding false claims.

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 monetary relief
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
To the Filthy Disgusting Entities Operating as Credit Reporting Agencies, a Conglomerate of Corruption making XXXX  profits of Billions of dollars by XXXX  the blood out the veins of ordinary peoples. May the XXXX  profits that you XXXX out of the veins of consumers, come gushing out of your filthy disgusting nostrils, Amen. 

Your handling of my consumer credit report has been a masterclass in negligence and obstruction. I have repeatedly informed you, Experian, that there is an incorrect email address associated with my account. This error has effectively prevented me from accessing my consumer credit report, denying me the basic right to review and dispute inaccurate information on my file. 

When I raised this issue with your representatives, I was assured that the incorrect email would be corrected promptly. Yet, despite your promises, you have failed to make the correction. Instead, you have ignored my messages and obstructed my access to my own credit file. This is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also a clear demonstration of your bad-faith practices. 

But how can you act to rectify the situation when all of as a tactical move by you for me not to be able to have access to my consumer credit report so that you continue to keep and attach Filthy Disgusting items to my consumer credit report.

I demand the following : 1. Immediate correction of the email address associated with my Experian account so I can access my consumer credit report without further delay.

2. A written explanation for why my previous requests for correction have been ignored.

3. Assurance that such issues will not occur in the future, with acknowledgment of your failure to address this matter earlier. 



Experian 's obstructionist tactics not only prevent me from resolving inaccuracies on my credit report but also exacerbate the harm caused by identity theft and fraudulent activity. If you fail to address this issue promptly, I will take this matter further, including legal action, formal complaints to federal and state authorities, and public exposure of your conduct. 

Your continued inaction and evasion of responsibility will not be tolerated. 

Disgusted but firm, 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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I pulled my credit report and saw a collection from a creditor I do not recognize and was not contacted. Please delete altogether

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : collection/Charged Off XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-01-06 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: AR

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MD

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at 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 XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-01-06 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: OH

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: MS

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 2025-01-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the hard inquiries listed on my Equifax credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXXquiry date XX/XX/year> XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the dates specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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 got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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