vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX  XXXX **** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX  XXXX **** XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-19 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint for Inaccurate Credit Reporting FCRA Violation Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against [ Name of the Credit Bureau : TransUnion, Experian, or Equifax ] , as they have reported inaccurate and harmful information on my credit report and failed to correct it. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : XXXX XXXX Account Number : XXXX Reason for the Complaint : Inconsistent Information on My Credit Report The account is marked as " Charged Off '' with a {$0.00} balance, yet it continues to negatively impact my credit. 
The last payment date and last activity date are inconsistent across all three credit bureaus. 
Equifax reports an incorrect credit limit of {$650.00}, while TransUnion and Experian show different values.

Violation of FCRA 15 U.S.C 1681i ( a ) ( 1 ) ( A ) I have requested the credit bureau to verify the accuracy of this account, yet they have failed to provide valid documentation.

Violation of FCRA 15 U.S.C 1681e ( b ) The credit bureau is required to ensure that my report is accurate, but they continue to report incorrect information despite my disputes.

Possible Violation of FCRA 15 U.S.C 1681c ( a ) ( 4 ) If this account was closed in 2018, it is approaching the 7-year reporting limit, meaning it should be removed from my credit file soon. 
Financial Impact : This inaccurate information is damaging my credit and limiting my financial opportunities, as I am still being considered a high-risk borrower due to this incorrectly reported account. 

Request to the CFPB : I demand that the credit bureau immediately correct or delete this account. 
If they can not provide valid documentation verifying the accuracy of this account, they must remove it under the law. 
I request that the CFPB intervene and ensure that the credit bureau complies with the FCRA. 
I am attaching copies of my credit report, screenshots of the discrepancies, and proof of my previous dispute attempts with the credit bureau. 

I appreciate your prompt attention to this complaint and look forward to a fair resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint for Inaccurate Credit Reporting FCRA Violation Dear Consumer Financial Protection Bureau XXXX XXXX am filing a formal complaint against [ Name of the Credit Bureau : TransUnion, Experian, or Equifax ] , as they have reported inaccurate and harmful information on my credit report and failed to correct it. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : XXXX XXXX Account Number : XXXX Reason for the Complaint : Inconsistent Information on My Credit Report The account is marked as " Charged Off '' with a {$0.00} balance, yet it continues to negatively impact my credit. 
The last payment date and last activity date are inconsistent across all three credit bureaus. 
Equifax reports an incorrect credit limit of {$650.00}, while TransUnion and Experian show different values.

Violation of FCRA 15 U.S.C 1681i ( a ) ( 1 ) ( A ) I have requested the credit bureau to verify the accuracy of this account, yet they have failed to provide valid documentation.

Violation of FCRA 15 U.S.C 1681e ( b ) The credit bureau is required to ensure that my report is accurate, but they continue to report incorrect information despite my disputes.

Possible Violation of FCRA 15 U.S.C 1681c ( a ) ( 4 ) If this account was closed in 2018, it is approaching the 7-year reporting limit, meaning it should be removed from my credit file soon. 
Financial Impact : This inaccurate information is damaging my credit and limiting my financial opportunities, as I am still being considered a high-risk borrower due to this incorrectly reported account. 

Request to the CFPB : I demand that the credit bureau immediately correct or delete this account. 
If they can not provide valid documentation verifying the accuracy of this account, they must remove it under the law. 
I request that the CFPB intervene and ensure that the credit bureau complies with the FCRA. 
I am attaching copies of my credit report, screenshots of the discrepancies, and proof of my previous dispute attempts with the credit bureau. 

I appreciate your prompt attention to this complaint and look forward to a fair resolution. 

Sincerely, 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 2025-03-19 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the XXXX XXXX XXXX XXXX ( XXXX ). 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 ( XXXX  ) and XXXX XXXX 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 2025-03-20 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 am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: Lincoln Educational Services Corporation
State: IL

Complaint narrative:
I recently discovered that student loans were fraudulently taken out in my name due to identity theft. I did not apply for, authorize, or receive any funds from these loans. 



Upon noticing the fraudulent accounts, I took immediate action : I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on [ date ], Report Number : XXXX. 

I also filed a police report with [ name of police department ] on [ date ], Report Number : XXXX. 

I contacted the loan servicer, Lincoln Tech, on XX/XX/scrub>/2024 to report the identity theft and requested that the fraudulent loans be discharged. However they refused to respond. 

I have also disputed the fraudulent accounts with the credit bureaus and placed a fraud alert on my credit report. 



Despite taking these steps, the loans remain on my record, negatively affecting my credit and financial situation. I am requesting that the CFPB assist in having these loans fully discharged and removed from my credit report. I have attached all supporting documentation, including my FTC Identity Theft Report, police report, and any communications with the loan servicer. 



Please assist in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I have no knowledge of debt and I I formed the agency of that and requested all articles with signatures by myself saying I agreed to debt and I did not receive it and it remains on credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
I have an account on my transunion report that was closed years ago and now they are marking it as open in XXXX, which has re-aged the debt and made it current. It dropped my score by a lot and I need this fixed. I submitted a dispute and Transunion keeps validating the information when I know it's not correct.

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 2025-03-19 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 XXXX Block Inc ) due to inadequate customer service and unfair practices which violate The Consumer Financial Protection Act ( XXXX ) specifically, cash app failed to take timely and effective measures to prevent an 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 ( XXXX  ) and regulation XXXX. 
These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of 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 2025-03-19 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: GA

Complaint narrative:
I am a victim of identity theft. The information listed below which appears on my credit report are not my transactions that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: IN

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT # XXXX Late Payments. 
XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I contacted Chase bank on XX/XX/XXXX the customer service representative was barley trying to help my situation I had to request a supervisor, they do not put customers first regarding my claim, I got a letter in the mail stating my dispute was denied and that I authorized this transaction. When I called to file the dispute I told them I did authorize the charge but the service company canceled the services and that she was returning my money. Yes I transferred the money from my Chase bank I sent my evidence in the day I filed my dispute I still have not gotten my money or why my dispute was denied I Reached out to clean services she sent she sent the refund back already. Its seems like I cant get this resolve with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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:
I closed my account with XXXX last year, in order to do that balance needs to be paid off so i did, pay off and close my account an transfer to another company so all accounts were closed there was no way i could login to any account or had any info with them months later i start gettin debt collections calls when the company never ever call or sent or email any money i owe because i didnt owe anything, now my credit score is being affected by this XXXX bill i suppsdly didnt pay.

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