vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: TX

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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX according to XXXX  Debt Final Rule 1002,142 ( b ) ( 4 ) 51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a Victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be block and delete company information TransUnion. Please delete the following accounts XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX I Kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information TransUnion.

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 2025-01-11 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: AL

Complaint narrative:
This a request to have the following accounts removed in accordance to FCRA section 605 B. It is illegal to report any information on my credit report without my permission. I am a victim of identity theft and these accounts were opened fraudulently. Below are the account mentioned : XXXX XXXX XXXX account number XXXX in the amount of {$750.00} XXXX XXXX XXXX XXXX account XXXX in the amount of {$6200.00} XXXX XXXX XXXX account number XXXX in the amount of {$17000.00}

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 2025-01-11 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Dispute Case ID : XXXX Dispute filed XX/XX/year> Amount Disputed {$160.00} due to dentist 's overcharging me per XXXX XXXX XXXX 

I sent citi the documentation proving the overcharge per XXXX but they did not even contact the merchant and denied my dispute.

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 2025-01-11 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: EQUIFAX, INC.
State: AL

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Alot of my personal information has been leaked due to data breach and I have unrecognized information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Meta Payments Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I bought a camera on XXXX XXXX from XXXX XXXX. I requested she cancel the order and on the XXXX she said she would and minutes later she blocked me and the order was marked shipped in XXXX  system. This needs to be fixed because when the seller prints a label it should go to the " preshipment status '' until XXXX actually gets the item dropped off to them from the seller. As per XXXX, they have not received this item I purchased when checking the tracking information online as well as over the phone. This has been a huge huge issue because every step of this process has been automated and I have no way to contact the seller who has my money and the camera. XXXX XXXX has denied my dispute twice because no one is tracking the camera to see it is still in the pending status since the XXXX of XXXX. This is unsatisfactory and it seems like a scam where they are playing hot potato with the issue bouncing me from " contact the seller '' which I can not do, then to XXXX help center and meta who both are automated and telling me to file a claim, however I already submitted a claim and havent gotten anywhere with it. I am unable to see any link that works to file another claim because of the initial one not having been resolved or the website is totally useless. It seems crazy to me that they are allowed to do this. All that needs to happen is track the camera. My order numnber is XXXX for {$95.00} on XX/XX/year> XXXX XXXX The tracking information is XXXX. ( XXXX ) XXXX phone number where this can easily be verified. I have paid {$95.00} for an item that never got shipped out and I cant contact anyone and get help with this. XXXX shouldnt be marking items shipped when the post office has not received it. It is not fair that I cant get my money returned since the camera isnt coming.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX [ XXXX ] EQUIFAX SERVICES LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Report Information Due to Equifax Data Breach To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report, which I believe are a result of the Equifax data breach that compromised my personal information. I am invoking my rights under 15 USC 1666b ( Timing of Payments ) and 15 USC 1681b ( Permissible Purposes of Consumer Reports ) to address these issues. 

1. XXXX XXXX XXXX XXXX - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, as payments were affected by the breach. Also, verify permissible purposes under 15 USC 1681b. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX, XXXX, XXXX, and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under XXXX XXXX XXXX. 

3. XXXX XXXX XXXX XXXX - **Balance : ** {$6200.00} - **Issue : ** Late payments reported for XXXX through XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

4. XXXX XXXX XXXXXXXX XXXX XXXX - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments inaccurately reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b.

5. XXXX XXXX XXXX XXXX XXXX - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XX/XX/XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

6. XXXX XXXX XXXXXXXX XXXX XXXX XXXX **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payment reported for XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

Please update my credit report to reflect these corrections. I have enclosed copies of my credit report with the erroneous information highlighted and the settlement documents for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these corrections and verifications have been made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Experian, I am writing to formally dispute the inaccurate information currently reported on my credit file. Despite submitting previous disputes regarding these same issues, the inaccuracies remain unresolved, and my credit report continues to reflect incorrect data. 

I am particularly concerned about the ongoing problems related to the inaccurate reporting of the negative accounts listed on my credit report, which have not been corrected after multiple attempts to resolve them. I have already provided supporting documentation that clearly demonstrates the errors, yet the information remains unchanged. 

I would like to draw your attention to a recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB accused Experian of failing to properly investigate consumer disputes and of providing inaccurate and misleading credit reports. The ongoing issues with my credit report are in line with the very problems highlighted in that case, and I believe this situation requires immediate attention and thorough investigation. The CFPBs actions underscore the need for Experian to adhere to the Fair Credit Reporting Act ( FCRA ) and to ensure that all information reported is accurate, complete, and up to date. 

As required by the FCRA, I am requesting that you conduct a thorough reinvestigation of the disputed items on my credit report, relook at my evidence that was submitted and remove the account based on inaccurate reporting information as well as reporting information that is different on all three credit bureaus.

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 2025-01-11 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: NJ

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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NC

Complaint narrative:
I received a CashApp debit card in the mail not associated with my current CashApp account. I contacted the company and they asked me to send them a picture of the front and back of the card and they said they would disable the card. 

I never requested the card but it came in the mail addressed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-01-12 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: AR

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-01-12 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:
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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: OR

Complaint narrative:
On or about XX/XX/year> I noticed some loans listed on my credit report that have been listed without my written consent. I have notified Experian and they have denied taking these loans off of my report stating that I should have known about these loans, it was material misrepresentation, or that perhaps I made the complain in error. Additionally, they asked for the informtaion and proof though it was attached to the first complaint. 


According to 15 USC 1681, they should have removed these loans since they are inaccurate, disuputed by me, and have chosen to not respond in an appropriate manner. Additionally, XXXX states that I did not give them : Reason 1 : Your request is missing essential personal identifying information Reason 2 : Account specific information such as name of creditor, account numbers or other account details that would allow us to complete your request was not included Reason 3 : The description of the identity theft was too vague and/or did not include specific information related to the identity theft, including the dates the fraud occurred. All of this was attached and included in my original complaint as they will also be attached again to this complain.

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 2025-01-12 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a XXXX data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find the attached copy of my ID, The FTC Complaint, a copy of my XXXX Report showing my information exposed in a XXXX XXXX XXXX and a Validation of Debt Letter.

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 2025-01-12 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: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a XXXX  data breach. After reviewing my credit report I notice some accounts I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. Please find the attached copy of my ID, The FTC Complaint, a copy of my XXXX Report showing my information exposed in a XXXX XXXX XXXX and a Validation of Debt Letter.

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 2025-01-12 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: AR

Complaint narrative:
On XXXX on a recorded call I contacted transunion regarding several inquiries I never authorized from a car dealership. I asked Transunion to provide written instructions from myself in accordance to section 604a2 or 1681b. These inquiries are still reporting on my consumer report even though I never provided authorization. XXXX XXXX was the only lender whom i provided consent for to review my credit 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