vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-01-27 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: KY

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-27 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: KY

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-27 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 discovered an unauthorized inquiry on my credit report this morning, and I have no idea why it's there. When I reviewed my report as usual, I was shocked to see unexpected discrepancies. I even tried refreshing my browser, hoping it was a temporary glitch, but the issue persisted. I'm really frustrated and need this resolved immediately by thoroughly reviewing the documents I've provided so I wont have to deal with this stress again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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:
This morning, I noticed some inaccurate accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the errors remained. Due to this issue, Im requesting that the documents I provided be thoroughly reviewed so I can have peace of mind moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: WA

Complaint narrative:
i called and told bureaus that credit report is not accurate can they update my current mailing address and also inquiries that was not made by me. they as to send proof of identification i sent the proof. they deleted the information then added it back later

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 2025-01-27 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: OK

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts thats Ive marked as inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-01-27 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: NC

Complaint narrative:
I am filing a formal complaint against Experian and XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent non-compliance. I believe Experian and XXXX have failed in its statutory obligation to ensure the accuracy and fairness of the information included in my credit report and has demonstrated negligence in handling my prior disputes. 

Details of Complaint Negligent Reporting of Inaccurate Information : Experian has failed to maintain reasonable procedures to ensure the maximum possible accuracy of the information included in my credit report. 

Ensuring maximum accuracy of consumer report information ( 15 U.S.C. 1681e ( b ) ).

Conducting a reasonable reinvestigation upon receiving a dispute ( 15 U.S.C. 1681i ).

Providing accurate results following investigations and correcting errors promptly.

Their failure to comply with these obligations has caused harm to my creditworthiness and financial well-being.

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 2025-01-27 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Timeline of Events Regarding Affirm Issue : XX/XX/XXXX : Promised Goodwill adjustment by Affirm due to hardship. 
XX/XX/XXXX : First outreach to Affirm leadership regarding unresolved issue ( Case # XXXX ). 
XX/XX/XXXX : Consulted about creating a social media post regarding Affirm issue. 
XX/XX/XXXX : Public social media post highlighting unresolved issue and tagging Affirm. 
XX/XX/XXXX : Followed up on public post, prepared further tweets addressing the tone-deaf response. 
XX/XX/XXXX : Shared intent to escalate with CFPB if no action is taken ; final private outreach to Affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent {$250.00} to the wrong person got in contact with the bank immediately and they said they couldnt do anything and I do have documents and I also made a police 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 2025-01-27 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: AZ

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

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 2025-01-27 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Subject : Request for Update of Personal Information and Removal of Fraudulent Entries Dear Experian, I am writing to formally request an update of my personal information in your records and to dispute the continued presence of fraudulent and inaccurate information on my credit report. The only address I have ever lived at is XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The address listed on my credit report that is being repeatedly inserted by XXXX XXXX XXXX XXXX, FL XXXX XXXX not mine, and I have never lived at that address. 

Additionally, I have noticed that a fraudulent XXXX XXXX account continues to be RE-INSERTED on my credit profile, which I dispute. According to the FCRA, an itemized billing statement is not considered proof of obligation, and at this time, I have not received any legitimate documentation showing that I owe this fraudulent debt, nor have I seen any agreement signed by me with a wet ink signature validating my obligation to this account. 

Experian has continued to RE-INSERT this fraudulent address and XXXX XXXX account on my credit report without providing adequate proof of my association with the address or the account. This ongoing re-insertion, despite clear evidence to the contrary, constitutes aiding and abetting fraudulent practices and sham investigations that are severely harming my livelihood and ability to obtain shelter, employment, and credit for transportation. 

I am formally requesting that Experian BLOCK these fraudulent items under XXXX  XXXX, which requires blocking fraudulent information WHILE NOT UNTIL an investigation is conducted. If Experian continues to allow these fraudulent items to remain on my credit report without proper verification, Experian will be seen as assisting and abetting XXXX XXXX in fraudulent practices, which is a clear violation of the FCRA and constitutes willful non-compliance. 

Your continued failure to remove these fraudulent items is damaging my reputation and creditworthiness. I demand that the fraudulent address and XXXX XXXX account be removed immediately from my credit report. Failure to comply will result in legal action, including but not limited to defamation and violations of consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution of this issue. 

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 explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint regarding a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) by Universal Recovery Corporation XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX specifically their representative, XXXX XXXX. 
On XX/XX/year> I contacted Universal Recovery Corporation to negotiate a settlement for a debt that I owe in the amount of {$1500.00}. I offered to pay {$500.00} in cash as a settlement, but the representative, XXXX XXXX, insisted that I use my credit card to pay the full amount of {$1500.00}. She stated that she was aware I had {$12000.00} available credit remaining on my credit card and pressured me to use those funds to pay the debt. 
This action is concerning for the following reasons : Violation of Privacy : The representative improperly referenced my personal financial information ( specifically my credit card limit and available credit ). My understanding is that collection agencies do not have access to my real-time credit card balances or available credit and should not make such statements. 
Unfair or Coercive Practices : The representative 's insistence that I use my credit card to pay the debt violates my right to choose my preferred method of payment. It also appears to be an attempt to pressure me into incurring additional debt to pay off this collection, which is both unethical and potentially unlawful. 
These actions are a clear breach of the FDCPA, which prohibits harassment, abuse, and unfair practices in debt collection. Specifically : 15 U.S.C. 1692d prohibits debt collectors from engaging in harassment or abusive practices. 
15 U.S.C. 1692e prohibits false, deceptive, or misleading representations, including misrepresentations about a debtor 's financial obligations.

15 U.S.C. 1692f prohibits unfair or unconscionable means to collect a debt. 
I believe the representatives actions violated my rights under the FDCPA and request a thorough investigation into this matter. I also request that steps be taken to ensure that Universal Recovery Corporation complies with all federal and state debt collection laws. 
Please let me know if additional information is needed. I have documented this interaction and can provide further details if required. Thank you for addressing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX : XXXX XXXX  DELETE ACCOUNT XXXXXXXX XXXX XXXX XXXX  DELETE ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 

XXXX. Recent Lawsuit Findings : In separate rulings, courts have determined that Equifax and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
2. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of Equifax and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 1. Immediate investigation into the disputed items listed above. 
XXXX. Removal or correction of the inaccurate information. 
XXXX. An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

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