vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FORMAL LEGAL NOTICE OF INTENT TO SUE FOR VIOLATION OF FCRA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX, XX/XX/XXXX, XXXX EQUIFAX Information Services LLC XXXX XXXX. Box XXXX, XXXX, GA XXXX. 
INTENT TO SUE FOR NON-COMPLIANCE WITH FCRA 605B ( 15 U.S.C. 1681C-2 ) DEAR EQUIFAX, I AM WRITING TO FORMALLY NOTIFY YOU OF MY INTENT TO PURSUE LEGAL ACTION FOR YOUR FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) 605B, WHICH MANDATES THAT YOU BLOCK INFORMATION RESULTING FROM IDENTITY THEFT FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS UPON RECEIPT OF THE RELEVANT DOCUMENTATION. FRAUDULENT ACCOUNTS IN QUESTION : XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$820.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$920.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$430.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$1000.00} XXXX XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$580.00} XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$800.00} XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$500.00} XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$1200.00} XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} XXXX XXXX  ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, BALANCE : {$0.00} INCORRECT NAMES : XXXX XXXX, INCORRECT ADDRESSES : XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX TER XXXX, FL XXXX FRAUDULENT INQUIRES : XXXX XXXXXX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX NA, XX/XX/XXXX XXXX, XX/XX/XXXX. THESE ACCOUNTS, ALONG WITH UNAUTHORIZED HARD INQUIRIES, FRADULENT COLLECTIONS, ADDRESSES, AND NAMES, HAVE BEEN FLAGGED AS IDENTITY THEFT. ENCLOSED IS A FEDERAL TRADE COMMISSION IDENTITY THEFT CRIMINAL COMPLAINT, SUBSTANTIATING THE FRAUDULENT NATURE OF THESE ACCOUNTS. YOUR CONTINUED FAILURE TO BLOCK ALL DISPUTED ACCOUNTS, COLLECTIONS, INQUIRIES, ADDRESSES, AND NAMES WITHIN THE NEXT XXXX BUSINESS DAYS, IN STRICT ADHERENCE TO THE FCRA. FURTHERMORE, I SEEK A DETAILED EXPLANATION REGARDING YOUR VERIFICATION PROCESS, PARTICULARLY HOW IT FAILED TO ADDRESS AND CORRECT THESE INACCURACIES IN MY CREDIT REPORT, RESULTING IN HARMFUL RAMIFICATIONS TO MY CREDITWORTHINESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
WHY ARE THE DATES DIFFERENT FROM ACCOUNT REPORTING TO ACCOUNT REPORTING???? IS THIS COMENITY BANK 'S FAULT OR YOURS????? WHOEVER DID IT NEEDS TO CORRECT IT. THE DATES XXXX  SHOWS ARE ACCURATE. SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
b'I have been in constant communication with TransUnion regarding the inaccurate personal information on my credit report. Despite six separate certified disputes, identity theft documentation, and legal notices sent by my attorney, TransUnion continues to report incorrect names and addresses on my credit file. This is unfair, unlawful, and in direct violation of the Fair Credit Reporting Act (FCRA).\n\nUnder 15 U.S. Code  1681b and  1681c-2, TransUnion is required to adopt reasonable procedures to ensure accuracy, fairness, relevancy, and confidentiality of consumer information. TransUnion has clearly failed in this duty.\n\n\n\nInaccurate Names Still Being Reported\n\t\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCorrect Name: XXXX XXXXXXXX XXXX\n\n\n\nInaccurate Addresses Still Being ReportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  MNXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX  Correct Address: XXXX XXXX XXXX XXXX TX XXXX\n\n\n\n Failure to Investigate Disputes (FCRA  1681i Violations)\n\nI have provided notice and 30-day opportunity to correct this inaccurate information on six separate occasions, yet TransUnion continues to report false data. These violations are documented in the following CFPB case numbers:\n\t\tCFPB Case XXXX XXXX XXXX XXXX)\n\t\tCFPB Case XXXX XXXX XXXX XXXX\n\t\tCFPB Case XXXX XXXX XXXX XXXX)\n\t\tCFPB Case XXXX XXXX XXXX XXXX\n\t\tCFPB Case #XXXX XXXX XXXX XXXXn\t\tCFPB Case #XXXX XXXX XXXX XXXX)\n\n\n\nActions Taken by Me and My Attorney\n\t\tCertified mail sent on XXXX XXXX XXXX (Tracking #XXXX), including ID and billing statement\n\t\tFollow-up legal dispute letter sent in XXXX XXXX from my attorney, also via certified mail\n\t\tIdentity Theft Affidavit submitted to CFPB on XXXX XXXX XXXXn\t\tRequest for all communication to be conducted strictly via mail\n\t\tDemand for removal of all inaccurate names and addresses\n\n\n\n Harm Caused\n\nTransUnions failure to correct these issues has prevented me from accessing housing, employment, and credit opportunities, and caused me severe emotional distress, including anxiety and sleeplessness. These are clear violations of my rights under the FCRA.\n\n My Verified Information:\n\t\tCorrect Name: XXXX XXXX XXXX\n\t\tAddress: XXXX XXXX XXXX XXXX TX 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Formal Legal Notice of Intent to Sue for Violation of FCRA 605B XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX XXXX XXXX, GA XXXX Intent to Sue for Non-Compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ) * * Dear Bureau, I am writing to formally notify you of my intent to pursue legal action for your failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates that you block information resulting from identity theft from my credit report within four business days upon receipt of the relevant documentation. 
* * Fraudulent Accounts in Question : * * XXXX XXXX  XXXX opened on XX/XX/XXXX account number XXXX, credit card account XXXX XXXX opened on XXXXXXXXXXXXaccount number XXXX, line of credit account XXXX XXXX opened on XX/XX/XXXX account number XXXX, credit card account XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX account number XXXX, unsecured loan XXXX  XXXX opened on XX/XX/XXXX account number XXXX, sales contract XXXX XXXX opened on XXXX XXXX account number XXXX, unsecured loan XXXX  XXXX opened on XX/XX/XXXX account number XXXX, collection account XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX, collection XXXX XXXX XXXX  opened on XXXX XXXX account number XXXX, collection XXXXXXXX XXXX XXXX opened on XXXX XXXX account number XXXX, collection XXXX XXXX XXXX opened on XXXX XXXX account number XXXX INCORRECT ADDRESSES - XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX.These accounts, along with unauthorized hard inquiries and fraudulent collections, have been flagged as identity theft. Enclosed is a Federal Trade Commission Identity Theft Criminal Complaint substantiating the fraudulent nature of these accounts. Your continued failure to block this false information inflicts ongoing damage to my FICO credit report. I demand immediate action to block all disputed accounts, collections, and inquiries within the next four business days, in strict adherence to the FCRA. Furthermore, I seek a detailed explanation regarding your verification process, particularly how it failed to address and correct these inaccuracies in my credit report, resulting in harmful ramifications to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 contacted experian equifax and transunion for the past XXXX years once I found out my about the equifax data breach and it started with the XXXX XXXX breach where my information was compermise i wouldn't have known that if I didn't check my credit i am XXXX and my wife is my XXXX  and fiduciary so I don't handle money or anything like that i am XXXX percent XXXX a total of XXXX new accounts showed up on my credit reports that I need remove XXXX different XXXX  XXXX credit cards XXXX  credit card XXXX  credit card a XXXX XXXX XXXX XXXX credit card a XXXX XXXX  XXXX  credit card a XXXX XXXX XXXX account and a XXXX XXXX  card

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
Good Morning, I'm reaching out in complete frustration over a collection account on my credit report that has absolutely nothing to do with me. I never opened or authorized this account, yet I'm being harassed through emails, calls, and messages with threats of legal action being taken against me. It's overwhelming, mentally exhausting, and truly disrespectful to my rights as a responsible consumer. As someone who takes their credit seriously, it's shocking and disheartening to be dealing with something I didn't cause. Please look into this and remove it from my report. thanks. The account is named " NATIONAL CREDIT ADJUSTERS , L.L.C. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX not XXXX my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, a failure-to-pay rent case was filed by Valor Apartments ( XXXX XXXX. XXXX ). I was unaware of the filing until it appeared on my rental screening report. I vacated the unit in XX/XX/XXXX after giving proper XXXX notice. The apartment was re-leased in XX/XX/XXXX. The Warrant of Restitution was later canceled by the court on XX/XX/XXXX, with the note " MOVED. '' I was never evicted, removed by a sheriff, or issued a judgment for unpaid rent. 

A second case was filed by XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Case No. XXXX ). I submitted a written request for early termination due to financial hardship in XXXX and vacated the unit by XXXX. Although a Warrant of Restitution was issued in XXXX, it was canceled on XX/XX/XXXX, again with the remark " Move. '' No eviction occurred, and mail from the court was returned undelivered in XX/XX/XXXX. 

Despite these outcomes, both cases have been reported by XXXX XXXX and Experian as formal evictions. This is inaccurate and misleading. As a result, I have been denied housing by multiple apartment communities in XXXX, including The XXXX, XXXX XXXX, and XXXX 

I have already disputed the records directly with the companies involved. This complaint is my final attempt to correct the misreporting before pursuing legal action for damages caused by the false reporting of an eviction history.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I applied for a Chase XXXX XXXX Rewards Card that was offering a XXXX  XXXX  after spending a certain amount of money. A couple weeks later I called Chase to ask why I hadn't heard anything, and I was sent an email to upload my driver license for name and address verification, so I did that. A week or so later I called Chase again to find out what was happening and they said they couldn't tell me but that they had sent a snail mail letter to me on XX/XX/XXXX. I never got a letter, and I checked my daily XXXX emails I get and there wasn't any letter. I called Chase again, and this time I was told I was denied. I asked for what reason and the rep said they couldn't tell me why and that I should have received a letter. I said I've never received a letter, and I asked if I could be emailed the reason and was told no. I am getting no where with Chase and I have no idea if they even ran a credit check. This is very frustrating. I have never been denied a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information in Credit Report Pursuant to FCRA 602, 609, 611, and 623 Dear [ Credit Bureau/CFPB Representative ], I am writing to formally dispute inaccurate, outdated, and unverifiable information currently listed on my credit report. As provided under the Fair Credit Reporting Act ( FCRA ), including 602, 609 ( a ), 611 ( a ), and 623 ( b ), I am exercising my right to request the deletion or correction of any incorrect information.

Problem Overview After reviewing my credit reports from the XXXX  major credit bureaus, I have identified multiple errors negatively affecting my credit profile, including : Unauthorized names and employers listed under my identity Derogatory accounts that are inaccurate, outdated, or not mine Hard inquiries I did not authorize or recognize These inaccuracies have significantly impacted my credit score and financial reputation. It is essential that my file be corrected to ensure fair and accurate reporting as outlined in the FCRA.

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 2025-05-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete this account # XXXX XXXX XXXX XXXX XXXX  as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app allowed fraudulent activity on my account. Several transactions were attempted on my account but were unsuccessful. Cash app deducted {$860.00} from my account and refused to refund them. I informed cash app by phone and email that the transaction was never completed. I filed a police report and I also submitted cash app a letter from the merchant stating the transaction was canceled and the money should never have been deducted for my account. Cash app refuses to refund my money. The merchant can not refund me because they never received funds from cash app. I reached out to cash app on several occasions and they still refuse to refund me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In the month of XX/XX/year>, for the dates of XX/XX/year> through XX/XX/XXXX of XXXX  on a cumulative total of transactions in the amount of {$5700.00}, they were processed as cash advance transactions, with cash advance fees totaling {$390.00}. All of these transactions were purchase transactions, there was no deviation to any of the other transactions that were not treated as cash advances, to reiterate, the transactions in question were no different than the transactions for the entire statement period of XX/XX/year>, but for some reason the transactions in this date range were exclusively treated as a cash advances, there was no disclosure to me that these transactions were being treated differently, I've had multiple lengthy telephone conversations with Citibank and they are telling me that this is due to the merchant. The merchant, however, is telling me that they do not charge these fees which was advised to me by a representative of the company in an email. Citibank can not tell me why they processed the transactions the way they did. They will not allow me to dispute the transactions, in my last attempt to resolve this with a manager I was told they had nothing to do with the fees involved and refused to elevate the situation further, that was my third and final attempt to resolve this with Citibank ; my plea with Citibank is that I am the consumer they are my bank, and if in fact, the merchant is charging these fees, they should represent me and give me the opportunity to file a dispute, however, I think the problem is that Citibank has charged these fees and they refuse again to tell me why or to refund them to me. I am no longer using this card because I no longer trust the handling of my transactions with them.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I requested the correction of inaccurate information regarding a charge-off and multiple inquiries on my credit report. XXXX of the credit reporting agencies has already found this information to be incorrect and has removed it. However, due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus has dishonored FCRA regulations and failed to properly address my request for verification. Both of these items are incorrect and should be removed from my credit report immediately.

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