vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX  XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant statutes as they relate to my credit reports from XXXX, Equifax, and XXXX. I am requesting that these violations be fully investigated and that all appropriate remedies be applied to address these issues. 

Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I have found multiple discrepancies and violations regarding a XXXX  XXXX account ( Account No. [ insert account number here ] ). Specifically, the account has been reported inaccurately as a charge-off, and several aspects of the reporting are in violation of the FCRA and FDCPA. 

The errors are outlined in the following reports : XXXX Report ( Dated XX/XX/year> ) : The account is listed inaccurately with incorrect charge-off information in addition to several other violations. 
Equifax Report ( Dated XX/XX/year> ) : The account shows erroneous details and misleading information regarding its status in addition to several other violations. 
XXXX Report ( Dated XX/XX/year> ) : Similar inaccuracies have been reported, violating my rights under both the FCRA and FDCPA. 

FCRA Violations : Under the FCRA, specifically 15 U.S.C. 1681i ( Investigation of Disputed Information ), the information provided by XXXX XXXX is not accurate, as it includes erroneous charge-off statuses that do not align with the actual history of the account. Furthermore, XXXX XXXX has failed to conduct a proper investigation into the accuracy of the account information as required. 

15 U.S.C. 1681s-2 ( b ) : As a furnisher of information to credit reporting agencies, XXXX XXXX has failed to correct inaccurate information upon notice of a dispute and has failed to conduct a reasonable investigation, as required by the FCRA. 

The collection practices of XXXX XXXX have been aggressive and misleading in violation of 15 U.S.C. 1692. This includes misrepresentation of the status of the debt and failure to follow proper procedures in relation to the reporting of the account, violating the protections granted under the FDCPA.

15 U.S.C. 1692e : The false representation of the charge-off status and failure to communicate accurate information about the debt may be in violation of this provision, which prohibits deceptive practices in debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX BALANCE {$8600.00} XXXX Original Creditor : XXXX XXXX XXXX BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX BALANCE {$0.00} XXXX XXXX BALANCE {$8600.00} XXXX Original Creditor : XXXX XXXX XXXX BALANCE {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-09 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: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: OR

Complaint narrative:
Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : XXXX. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
Please respond to this deletion notice within XXXX  days to avoid further actions, deletion of this account will satisfy compliance. 

Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number : # XXXX Account # XXXX Account # XXXX CC : Attorney General Office, FTC XXXX CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: NC

Complaint narrative:
Back in XX/XX/2024, I sent in separate dispute letters to XXXX, Transunion and XXXX. In the month of XX/XX/2024, I made a call to XXXX, Transunion and XXXX not only to opt out of these agencies, but to freeze my credit report also ( Due to prior disputes as well as inaccurate and additional unauthorized transactions reported on my reports ). I also spoke with each of them requesting reinvestigation and removal of all items that are not lawfully validated. I am not too good with how to post these letters I have but I can mail them in if you like me to. And I'm pretty sure you can pull my phone calls up with them, because I definitely made sure that they were recording. They all have sent me copies of my credit reports and I see that the XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX ( inquiry ), and the XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX ( inquiry ) still remaining on my reports without verification nor validation showing from any of them. On XX/XX/2024, I was hung up on by a guy named XXXX and had to call back. I then spoke with a lady named XXXX to dispute again. That confirmation number is XXXX. In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), legal protection against inaccurate and/or unverified information reported to consumer 's reports is a MUST. Unverifiable accounts is hereby requested to be deleted.

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 2025-01-09 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: NC

Complaint narrative:
Back in XX/XX/2024, I sent in separate dispute letters to Equifax, XXXX and XXXX. In the month of XX/XX/2024, I made a call to XXXX, XXXX  and Equifax not only to opt out of these agencies, but to freeze my credit report also ( Due to prior disputes as well as inaccurate and additional unauthorized transactions reported on my reports ). I also spoke with each of them requesting reinvestigation and removal of all items that are not lawfully validated. I am not too good with how to post these letters I have but I can mail them in if you like me to. And I'm pretty sure you can pull my phone calls up with them, because I definitely made sure that they were recording. They all have sent me copies of my credit reports and I see that the XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX XXXX XXXX ( and inquiry ), XXXX XXXX XXXX XXXX ( inquiry ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inquiry ) still remaining on my reports without verification nor validation showing from any of them. On XX/XX/2024, I was hung up on by a guy named XXXX and had to call back. I then spoke with a lady named XXXX to dispute again. That confirmation number is XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), legal protection against inaccurate and/or unverified information reported to consumer 's reports is a MUST. Unverifiable accounts is hereby requested to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XX/XX/year>XXXX Chrysler Capital XXXX XXXXXXXX XXXX Forth Worth, TX XXXX Subject : requesting complete documentation of investigation Dear Chrysler Capital, I am writing to formally dispute inaccurate information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I understand that you are required to conduct a reasonable investigation into the accuracy of the disputed information. 

The information I am disputing is related to [ account number : XXXX ], which is appearing inaccurately on my credit file. I believe that this information is incorrect and should be rectified. The address the deficiency letter was sent to was an incorrect address. I never resided at XXXX XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX. 

I need the method of verification and the description of the procedure. Also, I need all the documentation that you retrieve to run this investigation that proves this information is reporting accurately. 

As per the FCRA, you are required to complete your investigation into this dispute within XXXX days from the receipt of this letter. Furthermore, you must inform me of the results of your investigation, as well as provide me with a copy of my updated credit report reflecting the corrected information. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Regarding Cash App ( and various other services that use a XXXX  party identity verification service ), Myself and numerous others are stuck in a continuous loop of trying to validate and verify my identity to no prevail. Instead of telling me that their identification verifying process is flawed, I am continuously told that either my Driver 's License photo has a glare on it or other excuses like there is not enough light in the room when I am taking a selfie photo of myself, all of which are not true. 
I am an American citizen and I have been alive for XXXX  years and it has never been this hard to verify my identity until these recent years where there must be some kind of leniency on the legal standards by which a company is required to verify consumers. 

As a result, I can not cash out on my XXXX account, without being properly verified. In the meantime, the value of my Bitcoins are steadily decreasing. 
XXXX has to be done about this because consumers can not choose the verification processes that companies are allowed to use, nor do we have control over the ways in which our information is stored for legal purposes, ie., XXXX XXXX. I have been experiencing this problem ever since the mandatory switch to XXXX XXXX. 
Nothing about my name or my social security number has ever been changed. 
I am having the same problem with XXXX also and XXXX owes me money as well. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

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 XXXX 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 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 2025-01-09 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX Account number XXXX XX/XX/XXXX {$560.00} XXXX XXXX Account number XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX  Account number XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-01-09 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX Account number XXXX XX/XX/XXXX {$560.00} XXXX XXXX Account number XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 2025-01-09 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: OK

Complaint narrative:
In XXXX of 2024 I noticed an XXXX XXXX credit card on my credit report that I had not applied for. After further research, this card was applied for by my father who I have no contact with, and had me listed as an authorized user. This card was reducing my credit score by an average of XXXX points across the XXXX major credit bureaus. I contacted all three and XXXX removed it from my report but Experian and XXXX did not. Even after filing a police report no action was taken on the grounds that all information was correct. The card was applied for in XXXX of 2024.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America refused to wire or XXXX the fund in my checking account to the other bank as I instructed them to. They suddenly and abruptly closed my accounts without any previous discussions or notifications or any of my consent. They barred all access to my fund in these accounts without providing any explanations or justifications. No frauds were identified for these accounts, no other unusual activities were found before the closure. No risks were reported. I called them XXXX times to get my money out of Bank of America, they refused to and blocked all types of transfers. It happened when I was overseas and wasnt unable to pay for food and accommodations, I was completely shocked and strained, this is has caused tremendous financial anxiety and emotional damages. I had to find another bank at the last minute and lost sleep for a week. I have been with them for XXXX  years and have nothing different or unusual during the entire time. I always pay on time, never late.

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 2025-01-09 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 




UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: OH

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