vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: NV

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Nevada XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within XXXX days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX XXXX, NV, 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 2025-03-24 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:
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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT XXXX LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER XXXX DAYS AGO. 
XXXX XXXX XXXX, XXXX CREDIT CARD {$990.00}, XXXX XXXX, XXXX XXXX CREDIT CARD {$840.00}, {$2400.00}, {$2400.00} XXXX XXXX, XXXX XXXX {$240.00} XXXX XXXX XXXX, XXXX  XXXX {$1200.00}

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 2025-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I keep contacting Fortiva and letting them know to please forgive my credit card debt. It is only {$340.00}. It has been a long time since I have made payments to this account. I paid them a lot in interest that went over the sum of XXXX XXXXXXXX. They made it almost impossible for me to pay it off and now it is affecting my credit. I told them to do it out of good faith and good will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Neither XXXX nor XXXX have the delinquent account, I repeatedly call XXXX and no information is given, except that they are investigating. I called XXXX myself, and they have never had me as a customer. The account named by XXXX shows that there was suddenly a collection after XXXX years of delinquency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently reviewed my credit report and found multiple hard inquiries that did not authorize. Under the Fair Credit Reporting Act ( FCRA ), a company mut have a valid credit file, yet these inquiries were made without my consent. I formally disputed these inquiries with [ XXXX/EquifaxXXXX ] XXXX but they failed to provide any documentation proving I authorized them. Instead of conducting a proper investigation, they simply verified the inquiries without substantiating their validity. This is a direct violation of my rights under the FCRA, and I demand immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Someone opened a credit card with my social security card, and the bank asked me to pay. I asked to send the transaction history records, but the bank didn't give it. My address, phone and email address are different from the bank records, 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 2025-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
ASKED COLLECTION AGENCY TO PROVIDE MY WET SIGNATURE TO PROVE DEBT WAS MINE, NEVER PROVIDED WET SIGNATURE, SENT XXXX LETTER ON XX/XX/year>, ALSO COMPLAINT ON THIS WEBSITE CFPB, OVER XXXX DAYS AGO. IC SYSTEMS for XXXX XXXX {$240.00}

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 2025-03-24 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: GA

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in 2024, I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 



Account Name : XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I applied for a personal loan on XXXX submitted information required. XXXX weeks later on XX/XX/XXXX they wanted employment verification which I sent. Then they said they need the employment verification sent from a work email which it was. They did not even give me a chance to talk to my HR department about it. They said I had until XX/XX/XXXX to submit. XXXX mins after sending me an email about the employment verification they denied my application. I suspect are discriminating against people with XXXX last names and this needs to be looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-03-24 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: FL

Complaint narrative:
XXXX XXXX inquiry this i not mine please see attached letter

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 2025-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX Ohio XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Experian XXXX Disputes XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Denial of Block Request under Section 605B ( Identity Theft ) Dear Sir/Madam, I am writing to formally dispute the decision made by Experian regarding my request to block certain information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to have information related to identity theft blocked from their credit reports. I am requesting that you immediately review and reconsider your decision to decline my request.

I submitted a request for Experian to block information associated with fraudulent accounts that were opened in my name due to identity theft. I provided all required documentation, including a Identity Theft Report, as stipulated under Section 605B. However, I was notified that my request to block this information was declined, and I believe this decision was made in error.

Under Section 605B of the FCRA, you are obligated to block information that results from identity theft if the consumer provides the necessary documentation. I have complied with the requirements by submitting the police report and the Identity Theft Report, which confirm that I am a victim of identity theft. The information in question is not legitimate and was not authorized by me. 
XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX As a result, I request that Experian take the following actions immediately : 1. Block the fraudulent accounts and information from my credit report in accordance with Section 605B of the FCRA.

2. Provide a written confirmation once this action has been completed, along with a copy of my updated credit report reflecting the blocked information.

Please review my case and confirm that the information was blocked in compliance with the law. If you continue to deny my request, I expect a detailed explanation of the reasons for your denial, including the specific information you believe does not meet the requirements for blocking under the FCRA.

Failure to address this matter promptly may result in further legal action to enforce my rights under the Fair Credit Reporting Act. 
Thank you for your attention to this urgent matter. I look forward to receiving your confirmation of the requested action. 
Sincerely, [ 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
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the accuracy of the following account information on my credit report : Account Name : XXXX  Account Number : XXXX Date Opened : XXXX Status : Derogatory Balance : {$500.00} Original Creditor : XXXX XXXX XXXX  XXXX This account was purchased by a third-party debt collector, XXXX. However, the reported status and balance are incorrect. Additionally, the account was paid for less than the amount owed by the third party. My attached credit reports highlight these discrepancies. 

Furthermore, the collection companys purchase price for the account is unknown to me, and my credit report does not reflect this information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported information must be accurate and complete. Therefore, this inaccuracy constitutes a clear violation. 

I respectfully request an immediate investigation into this matter and the removal of this account from my credit report. Please provide written confirmation once the account has been deleted. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MS

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 14 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the best proof of investigation. 
These are the accounts I marked as inaccurate XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want reported accounts to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
i am a victim of identity theft and data breach i wish to block these unauthorized accounts from my credit profile usc frca 15 60XXXX 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 2025-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank Department of collection is showing that no payments XX/XX/20 and XX/XX/20 totaling {$880.00} were received for forbearance accordingly to the loan statements which mean that I supposedly paid XXXX of XXXX payments in that year. But I sent Citibank my checking account statements for the entire 2020 year showing them that XXXX of XXXX payments were done to that loan. There is XXXX extra month / payment of {$440.00} Citibank is trying to charge me.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A gentleman whom worked for XXXX XXXX XXXXl open a business account with Chase. He went through XXXX XXXX to open a business without my consent and submitted paperwork needed. I did not have access to any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AR

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, CHALLENGEDORNOT.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I spoke with Credit Karma about closing my credit builder account and refunding my money. They explained to me that they will have to email me back via the escalation team. I responded to the escalation team but haven't received a response back and when I call, now they are telling me they can't refund my money and giving me the run around They took my money from my bank account without my permission and won't refund it.

Company response to consumer: Closed with explanation