vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 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: NC

Complaint narrative:
Here is a formal dispute letter you can use to challenge the inaccuracies in your credit report regarding the Self/Lead account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, PA XXXX XXXX : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion Dispute Team , I am writing to formally dispute an inaccuracy on my credit report regarding my Self/Lead account. Upon reviewing my credit report, I noticed that the information reported is incorrect and needs to be updated or removed immediately. Below are the specific inaccuracies : 1. Account Status : My account with Self/Lead was paid off in full and closed on XX/XX/XXXX. However, the account status still shows Closed without reflecting that it was paid as agreed and in good standing. This could negatively impact my credit score, and I request an update to reflect the accurate status. 
2. Payment History : I have made XXXX % on-time payments for this account, as evidenced by the records. Please ensure that my payment history accurately reflects my consistent, timely payments. 
3. Worst Payment Status : My account never had any late payments, yet there is no information listed under Worst Payment Status. This should clearly indicate a positive payment history rather than missing information. 
4. Term Length Discrepancy : My loan was originally a XXXX ( XXXX ) term but was fully paid off in just over a year. The report does not specify this correctly, which could mislead future lenders. 

I request that TransUnion investigate these inaccuracies with Self/Lead and correct my credit file to accurately reflect my positive payment history and loan payoff. Please update the information and provide me with a corrected copy of my credit report. If you determine that the information can not be verified, I ask that the disputed items be removed under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my credit report, account details, and supporting documentation for your reference. 

Please respond to this dispute in writing within 30 days as required by the FCRA. If you need any additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email ]. 

Thank you for your prompt attention to this matter. 

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 2025-01-29 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: NV

Complaint narrative:
, XXXX, and equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, and equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/year> A data breach that has led to the unauthorized opening of fraudulent credit accounts in my name. I believe that my personal information was compromised, resulting in significant damage to my credit profile and financial standing. 
Recently, I discovered that several fraudulent accounts have been opened under my name, and I am requesting your assistance in addressing this serious issue. Below are the details of the fraudulent accounts that were opened and that I would like to have removed from my credit report. 

Accounts to be Removed : XXXX? XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX In addition to the fraudulent accounts, I have identified numerous unauthorized inquiries on my credit report that I believe are associated with these fraudulent activities. I kindly request the removal of the following inquiries. 
Inquiries to be Remove : 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 I have taken immediate steps to address this situation, including contacting the credit bureaus to dispute these accounts and inquiries. However, I believe that your intervention is crucial to ensure that my credit report is accurately reflected and that the fraudulent accounts are removed promptly. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/year> A data breach that has led to the unauthorized opening of fraudulent credit accounts in my name. I believe that my personal information was compromised, resulting in significant damage to my credit profile and financial standing. 
Recently, I discovered that several fraudulent accounts have been opened under my name, and I am requesting your assistance in addressing this serious issue. Below are the details of the fraudulent accounts that were opened and that I would like to have removed from my credit report. 

Accounts to be Removed : XXXX? XXXX - Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX - Account Number : XXXX In addition to the fraudulent accounts, I have identified numerous unauthorized inquiries on my credit report that I believe are associated with these fraudulent activities. I kindly request the removal of the following inquiries. 
Inquiries to be Remove : 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 I have taken immediate steps to address this situation, including contacting the credit bureaus to dispute these accounts and inquiries. However, I believe that your intervention is crucial to ensure that my credit report is accurately reflected and that the fraudulent accounts are removed promptly. 
I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As a long-time customer of Chase bank, I have opened a 2 personal bank accounts and 2 credit cards with them. 

On XX/XX/year>, I opened a business checking account. For months now, my online portal has told me that I am " Already Approved '' for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preferred. 

I understand a Pre-Approval is based on my soft credit score and would require a legitimate credit inquiry for further confirmation, but as this says I am ALREADY approved, I am guaranteed to get a credit card. 

I want to ensure my approval odds by having my new Chase banker submit the application, but it doesn't come back immediately. 

On XX/XX/year>, she tells me it was declined, but they can do a " reconsideration '' for a different card and we set the appointment for today ( XX/XX/year> ). I go back to the office and was declined for the reconsideration of lower tiered cards for the same reasons. 

Had I not constantly seen the DAILY message of YOU ARE ALREADY APPROVED for each of the XXXX credit cards ( which is still showing as valid as of XX/XX/year> ), I would not have given the application a serious thought. Now, I have an additional inquiry that has affected my credit score and a declined application on my credit profile that I otherwise would not have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I sent a HIPPA letter stating the laws of why they need to remove from the collection from my report. And I asked for proof of the debt belonging to me I they couldnt provide it.

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 2025-01-29 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: MI

Complaint narrative:
I am a victim of identity theft and the XXXX data breach. The account does not belong to me and I have no knowledge of this 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 2025-01-29 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: MI

Complaint narrative:
I am a victim of identity theft and the equifax data breach. The account does not belong to me and I have no knowledge of this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am being charged for a place of residence that I have never in my life resided. Im being held accountable for something I am not responsible for and its really affecting my life. Im not able to get a car, a new place to live, a phone I am unable to do anything because of this. It very unfair and I am looking to resolve this and start building my credit. Please look into this matter as I feel like Im either being scammed or fraudulently accused!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
In accordance with fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 INTSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-01-29 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: DE

Complaint narrative:
I submitted a formal dispute to Equifax on [ insert date ] with clear and legible supporting documentation, including a government-issued ID and my Social Security card . These documents were provided in high-quality electronic PDF format, ensuring full compliance with Equifaxs stated requirements for identity verification. Despite this, Equifax sent a response on XX/XX/year>, falsely claiming the documents were illegible. This response is not only inaccurate but also appears to be an attempt to delay or avoid addressing the inaccuracies I have disputed in my credit file. The FCRA requires credit reporting agencies to conduct thorough and timely investigations into disputes, but Equifaxs handling of my case falls short of these legal obligations. This type of mishandling aligns with the Consumer Financial Protection Bureaus ( CFPB ) recent allegations against XXXX, which cited similar failures to properly investigate disputes and accurately update credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I tried to email and reach out about several transactions that were not approved by me and were sent to people I do not know and do not have listed as contacts I know. Several attempts were made to resolve and no body ever got back to me in any form of contact. I sent screen shot and several Emails with pictures of such transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I Am asking for the security freeze on my account to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history.

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report.

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts.

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I have previously disputed ( public record on my credit report with Equifax, and in response they verified the item as accurate, stating that they have verified the information from the court and XXXX. 
I contacted the court and XXXX, and their response is enclosed. 
It is clear that the court do not report to any credit bureau for that matter .Therfore their initial response verifying the item with the court was either an error or a lie. 
XXXX dont have any information on their record.

Either way, the reporting requirements do not comply with FCRA s611 ( 15U.S.C.s1681l ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation