vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/2025 To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Fraudulent Accounts to Be Blocked and Removed Due to Identity Theft Dear Credit Reporting Agency , I am writing to formally notify you that I have been a victim of identity theft. My personal information was compromised in the Equifax data breach, and as a result, fraudulent accounts have been opened in my name without my authorization. 
Per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the fraudulent accounts listed below be blocked and permanently removed from my credit report. 
Fraudulent Accounts to Be Removed : COLLECTION ACCOUNT Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} Enclosed with this letter, I have included the following documents to support my request : A copy of my government-issued identification ( drivers license or passport ) A copy of a utility bill or bank statement to verify my address A copy of my FTC Identity Theft Report ( or police report, if applicable ) A copy of any relevant correspondence with creditors regarding these fraudulent accounts Please investigate and remove these fraudulent accounts from my credit report immediately. I also request that a fraud alert be placed on my credit file to prevent further unauthorized activity. 
If you require any additional information, please contact me at the phone number or email listed above. I appreciate your prompt attention to this matter and expect written confirmation once these accounts have been removed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX i saw i had collection on my report and i requested that this debt be validated and verified this company failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent money using Zelle several times and it did not provide a warning advising if the recipient was the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX 2023 I was activating a new card with cash app while doing it {$800.00} was taken out I sent a message for someone to call, all I got was text message was told there was no one to verbally speak to so i went through some steps with this person to active the card once it was working I ask when will my funds be put back on my card I was told with in 5mins and if not to put another ticket in for help. Well the money wasn't return and couldn't get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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:
I recently reviewed my credit report and noticed an inaccuracy regarding my payment history. Specifically, my account with XXXX is incorrectly showing late payments for XX/XX/year> and XX/XX/year> when, in fact, all payments were made on time. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate and verifiable. I am formally requesting that you investigate this matter and provide verifiable proof, including payment records, showing that I was late on these payments. 

If you are unable to verify this information with supporting documentation, I demand that the inaccurate late payments be immediately corrected to reflect an on-time payment history. I have attached a copy of my credit report highlighting the disputed account for your reference. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation.

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 2025-02-04 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:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. 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 2025-02-03 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
Urgent Assistance Required : Unfulfilled XXXX XXXX XXXX Job Guarantee and Refund Issues My Situation : Initial Contact : On [ date not specified ], I encountered an advertisement by XXXX XXXX promising a 100 % guarantee of securing a XXXX XXXX  within 90 days. 
Advertiser 's Credentials : The advert claimed over 10 years of experience in the field, which influenced my decision. 
Investment Decision : Instead of depleting my last savings, I opted to " invest '' in this opportunity for myself and a friend, anticipating a job within the stipulated timeframe. 
Key Details : Enrollment Date : XX/XX/year> Current Status : Despite the 90-day guarantee, I remain unemployed. 
Response from XXXX XXXX and Team : Efforts to evade responsibility and retain the payment have been observed. 
Total Amount Paid : {$14000.00} Payment Method : Through XXXX XXXX XXXX and American Express credit card Refund Attempts : Outcome : Both XXXX XXXX  XXXX and American Express have denied my refund requests. 
Appeal for Assistance : Name : XXXX XXXX Request : I urgently need help in resolving this situation, specifically : Securing the promised job or a viable alternative. 
Obtaining a full refund of {$14000.00}. 
American Express : {$2900.00} XXXX XXXX XXXXXXXX : {$11000.00} XXXX XXXX XXXX and his team accountable for the unfulfilled guarantee. 

Action Required : To assist me, please consider the following steps : Investigate XXXX XXXX 's business practices and the legitimacy of the 100 % job guarantee. 
Facilitate communication with XXXX XXXX and his team to resolve the employment and refund issues. 
Provide guidance on navigating the refund denial with XXXX XXXX XXXX and American Express, exploring alternative dispute resolution avenues if necessary. 
Offer support in seeking legal or regulatory recourse, should it be deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: Kikoff Inc.
State: TN

Complaint narrative:
Kikoff lending Account never late XXXX XXXX No knowledge of this account XXXX XXXX No knowledge of this account XXXX XXXX XXXX No knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Fraudulent Accounts to Be Blocked and Removed Due to Identity Theft Dear Credit Reporting Agency, I am writing to formally notify you that I have been a victim of identity theft. My personal information was compromised in the XXXX data breach, and as a result, fraudulent accounts have been opened in my name without my authorization. 
Per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that the fraudulent accounts listed below be blocked and permanently removed from my credit report. 
Fraudulent Accounts to Be Removed : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} Enclosed with this letter, I have included the following documents to support my request : A copy of my government-issued identification ( drivers license or passport ) A copy of a utility bill or bank statement to verify my address A copy of my FTC Identity Theft Report ( or police report, if applicable ) A copy of any relevant correspondence with creditors regarding these fraudulent accounts Please investigate and remove these fraudulent accounts from my credit report immediately. I also request that a fraud alert be placed on my credit file to prevent further unauthorized activity. 
If you require any additional information, please contact me at the phone number or email listed above. I appreciate your prompt attention to this matter and expect written confirmation once these accounts have been removed. 

Thank you for your time and assistance. 

Sincerely, 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to contest a hard inquiry on my credit report, which I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
I am currently reviewing my Equifax Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of addresses that I would like to have permanently deleted : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NV

Complaint narrative:
My name, address, as well as my place of employment is incorrect on my consumer 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 2025-02-03 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: NV

Complaint narrative:
My name, address, as well as my place of employment is incorrect on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Date XX/XX/year> I sent a message to cash app to let them know that someone stole {$200.00} out of my account, and I also gave them the time, XXXX XXXXXXXX name, date. I was told that they could not do anything about it. I sent pictures for proof. 



Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-03 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: NY

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 explanation
Consumer complaint received 2025-02-03 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-03 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: TX

Complaint narrative:
There are some corrections needed on my information in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-02-03 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: OH

Complaint narrative:
I have reviewed my credit report and noticed some fraudulent informations. please delete this fraudulent account and the fraudulents informations. 

Account name : XXXX XXXX Account # XXXX Amount : {$1800.00}

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 non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reviewed my credit report and noticed some fraudulent informations. please delete this fraudulent account and the fraudulents informations. 

Account name : XXXX XXXX Account # XXXX Amount : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. The XXXX XXXXXXXX account, account number XXXX with charges of {$230.00}, and the XXXX XXXX XXXX account, account number XXXX with charges of {$120.00} are unauthorized accounts. These accounts are fraudulent. I submitted a FTC report for the charges at hand and sent the documentation to the TransUnion credit bureau where I seen the charging for them to remove it from my and stop reporting. I will be filing a lawsuit.

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