vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Dear XXXX XXXX XXXX : Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report from your agency, and I identified the following errors that require correction : Item in Dispute : auto loan Account Number : XXXX XXXX Date of Report : XX/XX/XXXX Discrepancy : I have no knowledge of this account. Furthermore i believe this was due to the Equifax breach. 


I believe this information is incorrect due to me not having any knowledge of this account or said creditor. 

I request that you investigate this matter and correct the inaccurate information as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation or an updated credit report reflecting the corrected information. 

For your reference, I have attached the following supporting documents : Copy of my identification and account. 


Please confirm that this issue will be investigated and corrected within the required 30-day period. If you need additional information from me, do not hesitate to contact me at XXXX. 

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 explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Dear XXXX XXXX XXXX : Dispute Regarding Inaccurate Information on My Credit Report I am writing to formally dispute inaccurate information on my credit report. I recently obtained a copy of my credit report from your agency, and I identified the following errors that require correction : Item in Dispute : auto loan Account Number : XXXX XXXX Date of Report : XX/XX/XXXX Discrepancy : I have no knowledge of this account. Furthermore i believe this was due to the Equifax breach. 


I believe this information is incorrect due to me not having any knowledge of this account or said creditor. 

I request that you investigate this matter and correct the inaccurate information as soon as possible in accordance with the Fair Credit Reporting Act ( FCRA ). Please provide me with the results of your investigation or an updated credit report reflecting the corrected information. 

For your reference, I have attached the following supporting documents : Copy of my identification and account. 


Please confirm that this issue will be investigated and corrected within the required 30-day period. If you need additional information from me, do not hesitate to contact me at XXXX. 

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 2025-02-05 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: NV

Complaint narrative:
Ive found a fraudulent inquiry on my credit report that was made online without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I received validation from XXXX XXXX that there has been an error on their end in reference to account payments and reporting. Due to this error, it has caused all three credit bureaus Equifax, Transunion, and Experian to report this error on my consumer report resulting in late payments and past due balances.

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 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: ID

Complaint narrative:
I have sent emails with copies of the police report detailing a break in at my apartment, and my FTC identity theft report. I am given no information on the debt, received only automated emails in return when I sent my reports to them, and the debt collection court cases have been allowed to continue. One case has now made it to the court system and I can not get any answers or feedback. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me. There are so many cases its been hard for me to follow. Most recently, XX/XX/XXXX wage garnishment related to a court case that they won by default. I believe they are saying the debt came to them around XXXX. Defaulted sometime XX/XX/XXXX? I have contacted their customer service line and emailed several times. I have spoken with customer service representatives several times and informed them that this is not my debt and is fraudulent. I have sent emails with copies of the police report detailing a break in at my former apartment, and my FTC identity theft report. I have not been able to reach the lawyers directly, just an automated number. I have repeatedly stated this debt is not mine and I am a victim, yet they proceed to harass me for a debt that is not mine. There are so many cases its been hard for me to follow or keep up, and some have gone into default or wage garnishment. When calling the customer service number or sending an email, the company redirects you to wait while they investigate, and nothing happens. Due to this, I have filed a new, more detailed police report with XXXX police department ( they handled the break in case and stolen identity documents at my former apartment ), and a new FTC report that is more specific and mentions XXXXXXXX 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 FTC report filed reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We received a School Tax Notification from GISD which is odd as we have never gotten one before due to it being paid by our Mortgage Servicer ( Mr. Cooper Mortgage ) through our escrow account. Contacted GISD on XX/XX/XXXX to see if it was paid. We were told it wasn't so we contacted Mr. Cooper Mortgage via phone on XX/XX/XXXX and also XX/XX/XXXX we were told it was processed on XX/XX/XXXX but they would check and contact me. They never did. Contacted Mr. Cooper Mortgage via online help again on XX/XX/XXXX and they told me the same again and have not fixed it or paid. We received a delinquent notice from XXXX XXXX XXXXXX/XX/XXXX now with late penalties. The original amount due was {$2100.00} due on XX/XX/XXXX. Now with Late fees it is {$2200.00} and will go up 7 percent every month until paid or they foreclose on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IN

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Credit Report Information Dear Sir/Madam , I am writing to file a formal complaint against Experian for their repeated failure to correct inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues.

Over the past [ specific time period ], I have contacted Experian on six separate occasions to dispute erroneous information on my credit report, including an incorrect charge-off and other inaccuracies. Each time, Experian has responded by stating that they have verified the information ; however, the inaccuracies remain uncorrected.

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. According to a CFPB press release dated XX/XX/scrub> 2025, the Bureau sued Experian for unlawfully failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on consumer reports. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about disputes, leading to the retention of inaccurate information on credit reports. 
XXXX Given Experian 's ongoing failure to address these inaccuracies in my credit report, I am requesting that the CFPB intervene to ensure the deletion of the erroneous information. The presence of this incorrect data is adversely affecting my creditworthiness and, consequently, my ability to access credit, housing, and employment opportunities. 

I have attached copies of my correspondence with Experian, including dispute letters and their responses, as well as a copy of my current credit report highlighting the disputed items. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: IN

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Credit Report Information Dear Sir/Madam , I am writing to file a formal complaint against Experian for their repeated failure to correct inaccuracies in my credit report, despite multiple attempts on my part to resolve these issues.

Over the past [ specific time period ], I have contacted Experian on six separate occasions to dispute erroneous information on my credit report, including an incorrect charge-off and other inaccuracies. Each time, Experian has responded by stating that they have verified the information ; however, the inaccuracies remain uncorrected.

I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently taken legal action against Experian for similar issues. According to a CFPB press release dated XX/XX/scrub> 2025, the Bureau sued Experian for unlawfully failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on consumer reports. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about disputes, leading to the retention of inaccurate information on credit reports. 
XXXX Given Experian 's ongoing failure to address these inaccuracies in my credit report, I am requesting that the CFPB intervene to ensure the deletion of the erroneous information. The presence of this incorrect data is adversely affecting my creditworthiness and, consequently, my ability to access credit, housing, and employment opportunities. 

I have attached copies of my correspondence with Experian, including dispute letters and their responses, as well as a copy of my current credit report highlighting the disputed items. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.

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 2025-02-04 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed accounts must be deleted .... 

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 2025-02-04 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed accounts must be deleted .... 

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 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Despite not having any knowledge of such debt nor the correct owner of such debt, this company keeps charging me in collections for 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 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

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.

( 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 2025-02-05 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CA

Complaint narrative:
Hello, Im reaching out to address inaccuracies in my personal information on my credit report. These errors have been causing significant issues with my credit applications, which has been incredibly frustrating and stressful.

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 2025-02-04 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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