vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute unauthorized inquiries and accounts on my credit report, as reported by EQUIFAX, TRANSUNION, AND XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, my consumer report may only be furnished for permissible purposes, such as those outlined under this section, and only when I have provided written authorization. 

Upon review of my credit report, I found that companies are listed as hard inquiries on my credit report unverified. I have also noticed unauthorized accounts being reported, and I have provided those for reference below as well. I did not provide written consent for these inquiries or accounts, nor was there any permissible purpose for accessing my credit information. As this violates the FCRA, I request that the unauthorized inquiries be removed from my credit report immediately as well as any other misleading unverifiable information. Ive never signed any contract with XXXX XXXX XXXX XXXX and I am unaware of any self account with. This is unfair and needs to be fixed immediately! 

Accounts : 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 explanation
Consumer complaint received 2025-03-04 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: F.H. Cann & Associates, Inc.
State: SC

Complaint narrative:
I am writing to formally dispute unauthorized inquiries and accounts on my credit report, as reported by XXXX, XXXX, AND XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, my consumer report may only be furnished for permissible purposes, such as those outlined under this section, and only when I have provided written authorization. 

Upon review of my credit report, I found that companies are listed as hard inquiries on my credit report unverified. I have also noticed unauthorized accounts being reported, and I have provided those for reference below as well. I did not provide written consent for these inquiries or accounts, nor was there any permissible purpose for accessing my credit information. As this violates the FCRA, I request that the unauthorized inquiries be removed from my credit report immediately as well as any other misleading unverifiable information. Ive never signed any contract with FH CANN & ASSOCIATES and I am unaware of any self account with. This is unfair and needs to be fixed immediately! 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-03-04 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: MI

Complaint narrative:
Dear XXXX, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting.

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 2025-03-04 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: TN

Complaint narrative:
Inaccurate accounts from the Equifax data breach remain on my report despite evidence. These errors are harming my finances and must be removed within 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-03-04 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-04 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-03-04 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with XXXX XXXX. XXXX and XXXX XXXX. XXXX, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. 
Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to XXXX XXXX. XXXX, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entries.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MA

Complaint narrative:
Under Massachusetts General Laws Chapter 266, Section 37E, identity fraud is explicitly prohibited. This statute criminalizes the unauthorized use or possession of another individual 's personal identifying information with the intent to defraud, subjecting offenders to penalties including imprisonment for up to 2.5 years, fines up to {$5000.00}, and mandatory restitution to victims for financial losses incurred. 
Massachusetts Legislature In addition to the protections afforded by this statute, I am seeking assistance under the following legal frameworks : Fair Credit Reporting Act ( FCRA ) : This federal law mandates that credit reporting agencies correct fraudulent information on credit reports within a reasonable period, assisting victims in removing inaccurate data. 

Fair and Accurate Credit Transactions Act ( FACTA ) : This act provides consumers the right to request a free credit report annually from each of the three major credit bureausEquifax, XXXX, and TransUnionand dispute any fraudulent information resulting from identity theft. It also allows consumers to place fraud alerts and security freezes on their credit reports to prevent further unauthorized activity. 

Massachusetts Data Security Regulations ( 201 CMR 17.00 ) : These regulations require businesses to implement comprehensive written information security programs to safeguard personal information of Massachusetts residents, aiming to prevent identity theft and related fraud. 
Wikipedia To address this matter effectively, I have taken the following steps : Filed a Police Report : Reported the identity theft to my local police department to document the crime officially. 

Contacted the Federal Trade Commission ( FTC ) : Submitted a detailed complaint to the FTC, which assists in investigating and mitigating identity theft cases. 

Notified Credit Reporting Agencies : Placed fraud alerts and security freezes on my credit reports with Equifax, XXXX, and TransUnion to prevent further unauthorized access. 

Reviewed Credit Reports : Requested and reviewed my credit reports to identify and dispute any fraudulent accounts or transactions. 

Despite these efforts, the repercussions of the identity theft continue to adversely impact my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am writing to formally request an investigation into an incorrect debt listed on my credit report that was reported by Aargon. I have previously disputed this debt in 2024, but no response was received from the creditor, and I am now requesting your assistance in reviewing the matter further.

As part of my dispute process, I sent a certified letter to the creditor at the address listed on my credit report, requesting documentation that would substantiate this alleged debt. Specifically, I asked for six pieces of evidence to verify this debt, as outlined in the documents I attached.

This failure to provide a response to my request for concrete evidence clearly establishing this debt as mine, in addition to the lack of a valid address for the creditor, raises serious concerns about the accuracy of the information being reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of any alleged debt, and I believe that Aargon has failed to comply with the legal obligations to substantiate this claim.

As a result, I respectfully ask that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into this matter. Specifically, I request that the incorrect debt listing from Aargon be removed from my credit report in accordance with the FDCPA and relevant regulations.

Thank you for your attention to this matter. I trust that you will take the necessary steps to ensure that my credit report is corrected, and I look forward to your prompt response.

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 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
So last night at about XXXXXXXX XXXX XXXX  in XXXX XXXX XXXX michigan XXXX where I am located. I received a notice that my fiance 's direct deposit for her federal and state tax return was returned by chime bank as the name on the deposit didn't match my name on my chime account. We called the irs and they told us that they have laws in place and stated that we could use my account to deposit her tax return as long as the routing and account number matched. Chime stated that due to their policy they could not accept it. The irs stated it will take XXXX additional weeks for us to receive the funds causing us to possibly be homeless or continue living in an abusive situation. Also chime has accepted numerous direct deposits from XXXX XXXX XXXX from her place of employment homeaglow numerous times. They just had an issue with her tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall 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 2025-03-04 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Called and sent written letters to verify debt and who used my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TX

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Experian credit report contains several unauthorized inquiries that I did not initiate, and I find this completely unacceptable. These errors raise serious concerns about the security of my personal information and the reliability of your reporting process. The presence of these unauthorized inquiries is negatively impacting my financial stability, and I refuse to allow these inaccuracies to go unchallenged. The disputed inquiries include XXXX on XX/XX/year>, XXXX on XX/XX/year>, XXXX XXXX XXXX  on XX/XX/year>, XXXX XXXX on XX/XX/year>XXXX XXXX XXXX  on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX  on XX/XX/year> XXXX XXXX XXXX on XX/XX/year>, XXXX XXXX XXXXXXXX on XX/XX/year>, and XXXX XXXXXXXX XXXX XXXX on XX/XX/year>. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information must be accurate, and any inquiry that can not be proven to have been authorized by me must be removed immediately. I demand a full investigation and expect a clear, verifiable response detailing the source of each inquiry. Any delay in resolving these issues will not be tolerated.

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 2025-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX is trying to collect a debt from XXXXXXXX XXXX which I never used a credit card from XXXX XXXX or applied for it.

Company response to consumer: Closed with explanation