vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the one submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : Cushman v. TransUnion Corp. ( 1997 ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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 writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : 1.Immediate removal of the erroneous address from my credit report. 
2.An updated credit report reflecting the corrected information.

3.Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
Experian 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 Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-02-20 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: MD

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 2025-02-20 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: PA

Complaint narrative:
EXPERIAN CREDIT IS REPORTING NEGATIVE INCORRECT ACCOUNT ON MY CREDIT REPORT XXXX ) XXXX AMOUNT : XXXX DATE : XX/XX/year> ACCOUNT # SHOWING : 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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 2025-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: United Accounts, Inc.
State: ND

Complaint narrative:
In XX/XX/year> XXXX I have sent the 3 credit bureau an identity theft report on few accounts that have been deleted from my credit report after few years they put it back on my credit report. The creditor name is United accounts Inc, XXXX XXXX  and department of education XXXX. These accounts not belong to me. I have sent them a police report few times all they say it have be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I recently received a copy of my credit report. I have contacted Experian a number of times concerning this issue and have failed to get it resolved, I am concerned about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. MY INFORMATION WAS EXPOSE IN THE XXXX DATA BREACH, And I believe that Experian has made errors in reporting inaccurate accounts on my profile and In accordance with the fair credit Reporting act Experian has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''

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 2025-02-20 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:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I am writing in response to your debt validation letter dated XX/XX/XXXX, regarding the alleged debt associated with account number XXXX. I formally dispute this debt in its entirety and request immediate cessation of all collection activities until proper validation is provided, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

My dispute arises from concerns regarding identity theft and a data breach that compromised my personal financial information. Due to this security breach, I believe that this alleged debt is fraudulent and does not belong to me. Case law and regulatory actions affirm that debts arising from identity theft can not be lawfully collected without thorough investigation and verification. See, e.g., In re XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), which highlights the liabilities arising from data leaks and their impact on financial transactions. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute any fraudulent accounts resulting from identity theft. FTC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces that inaccurate or misleading data collection practices are considered unfair and deceptive trade practices. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that misrepresentations related to debt validation can constitute FDCPA violations. If your agency obtained this debt from a compromised data source or an identity thief, continuing collection efforts without verifying the legitimacy of the debt could constitute an unfair practice under 15 U.S.C. 1692e. 

Given these concerns, I demand : A full forensic audit of the data source used for validation. 

Proof that the data has not been compromised by any known breach or identity theft incident. 

Immediate cessation of all collection efforts until proper validation is provided.

Confirmation that this disputed debt will not be reported to any credit bureau pending resolution.

Removal of any fraudulent accounts from my credit report pursuant to 15 U.S.C. 1681c-2.

Failure to comply with these requests may result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please provide the requested validation and respond to this dispute within 30 days of receipt of this letter. I expect written confirmation of your compliance and a clear explanation of your validation process. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: MD

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Complaint Statement Regarding XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Credit Reporting Errors On XX/XX/2022, I experienced issues accessing my account with XXXX XXXX XXXX due to a system failure during their online banking platform rollout. As a result, I was unable to view balances, make transactions, or access credit information for several weeks, which caused financial harm. 

During this time, I incurred {$250.00} in overdraft fees and missed a credit card payment, which negatively impacted my credit score. I contacted XXXX XXXX XXXX customer service on XX/XX/2022, regarding the issue, but they provided no resolution and stated they were working on fixing the system. 

Under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), financial institutions are required to maintain accurate credit reporting and ensure consumer data protection. The failure of XXXX XXXX XXXX to provide access to my financial information and the potential compromise of my data violate these protections. 

As a result of these disruptions, I have discovered multiple derogatory marks on my credit report, which I believe are directly related to the issues caused by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These include : XXXX. XXXX - Account Number : XXXX Status : Derogatory Limit : {$4000.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX Status : Derogatory Limit : {$400.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX - Account Number : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ** Status : Derogatory Date Opened : XXXX Date Reported : XXXX Balance : {$500.00} These negative marks are harming my credit score, and I believe they are the result of the banking failures, inaccessible accounts, and potential reporting errors that occurred due to the financial institution outages

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Complaint Statement Regarding XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Credit Reporting Errors On XX/XX/2022, I experienced issues accessing my account with XXXX XXXX XXXX due to a system failure during their online banking platform rollout. As a result, I was unable to view balances, make transactions, or access credit information for several weeks, which caused financial harm. 

During this time, I incurred {$250.00} in overdraft fees and missed a credit card payment, which negatively impacted my credit score. I contacted XXXX XXXX XXXX customer service on XX/XX/2022, regarding the issue, but they provided no resolution and stated they were working on fixing the system. 

Under 15 U.S. Code 1681 ( Fair Credit Reporting Act ), financial institutions are required to maintain accurate credit reporting and ensure consumer data protection. The failure of XXXX XXXX XXXX to provide access to my financial information and the potential compromise of my data violate these protections. 

As a result of these disruptions, I have discovered multiple derogatory marks on my credit report, which I believe are directly related to the issues caused by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. These include : XXXX. XXXX - Account Number : XXXX Status : Derogatory Limit : {$4000.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX XXXX - Account Number : XXXX Status : Derogatory Limit : {$400.00} Date Closed : XXXX Date Reported : XXXX Worst Status : Unknown Balance : {$0.00} XXXX. XXXX - Account Number : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ** Status : Derogatory Date Opened : XXXX Date Reported : XXXX Balance : {$500.00} These negative marks are harming my credit score, and I believe they are the result of the banking failures, inaccessible accounts, and potential reporting errors that occurred due to the financial institution outages

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 2025-02-20 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX that was charged off in XX/XX/XXXX so card was closed and I had no access to spending as of then. Now XX/XX/XXXX I noticed an update on my credit report that around {$2000.00} were added on to the amount that was charged off. I already submitted a dispute with Experian regarding my concern with possible fraud or identity theft but the dispute outcome was my credit report unchanged. I spoke to both XXXX XXXX and the third party debt collector that my account was sent to but neither company was able to explain where the additional XXXX dollars came from or why this adjustment was made on my credit report. All I was offered by the third party debt collector were statement for the year of XXXX up until XXXX since that is when the card was charged off and access to spending was relinquished. Which does not resolve anything being as the new charge is from XX/XX/XXXX. It has been XXXX weeks since I spoke to the third party collector and I have yet to receive anything from them.

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