vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: CT

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-12-30 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-12-30 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: TX

Complaint narrative:
I am showing a collection on my credit report from " XXXX ''. This is account was inaccurately placed on my credit report to which I requested that it be removed. The XXXX payment was completed and submitted to their company directly BEFORE this was sent to the credit bureaus for collection. This account was already paid off. It has not been removed from my credit report. I also contacted a representative by phone in regards to this account. I need this removed as it is not accurate.

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 2024-12-30 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: TX

Complaint narrative:
I am showing a collection on my credit report from " XXXX ''. This is account was inaccurately placed on my credit report to which I requested that it be removed. The tmobile payment was completed and submitted to their company directly BEFORE this was sent to the credit bureaus for collection. This account was already paid off. It has not been removed from my credit report. I also contacted a representative by phone in regards to this account. I need this removed as it is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
My XXXX XXXX open accounts in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/year> Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Equifax for Inaccurate Reporting Violation of 15 U.S. Code 1681s2, 1681, and 1681i Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their continued reporting of inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors, Equifax has failed to adhere to their statutory responsibilities under 15 U.S. Code 1681s2, 1681, and 1681i.

The issues involve inaccurate reporting of XXXX XXXX Bank NA account, which shows " settled Violation of 15 U.S. Code 1681s2 ( a ) : Equifax continues to report information that is inaccurate, despite having actual knowledge or reasonable cause to believe the information is incorrect.

I have formally notified Equifax and the furnisher of the disputed inaccuracies. Despite this, the errors remain uncorrected.

Violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : Equifax has been notified at the address they specified for disputes that the reported information is inaccurate. However, the information continues to appear in my credit file without correction.

Violation of 15 U.S. Code 1681i : Equifax has failed to conduct a reasonable investigation into my dispute and has not promptly deleted the inaccurate information from my credit file as required by law.

These violations undermine the fundamental principles outlined in 15 U.S. Code 1681, which aim to ensure the accuracy and fairness of credit reporting for the benefit of consumers and the banking system.

I respectfully request that the FTC investigate this matter and take appropriate enforcement action to ensure compliance with federal law. Inaccurate credit reporting severely impacts consumers like me, leading to financial and reputational harm.

Enclosed are the following supporting documentation A copy of my credit report highlighting the inaccuracies.

Thank you for your attention to this serious matter.

Sincerely CFPB, FTC IM ALSO BEING TOLD BY EQUIFAX I'VE BEEN DISPUTED TO MUCH IN THE LAST 90 DAYS I WILL MAIL YOUR OFFICE ALL THE STALL TACTIC LETTERS STATING THEY CAN'T LOCATE A CREDIT FILE AND ECT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Complaint Against Equifax for Inaccurate Reporting Violation of 15 U.S. Code 1681s2, 1681, and 1681i Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their continued reporting of inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors, Equifax has failed to adhere to their statutory responsibilities under 15 U.S. Code 1681s2, 1681, and 1681i.

The issues involve inaccurate reporting of XXXX XXXX Bank NA account, which shows " settled Violation of 15 U.S. Code 1681s2 ( a ) : Equifax continues to report information that is inaccurate, despite having actual knowledge or reasonable cause to believe the information is incorrect.

I have formally notified Equifax and the furnisher of the disputed inaccuracies. Despite this, the errors remain uncorrected.

Violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : Equifax has been notified at the address they specified for disputes that the reported information is inaccurate. However, the information continues to appear in my credit file without correction. 
Violation of XXXX XXXX XXXX XXXX : Equifax has failed to conduct a reasonable investigation into my dispute and has not promptly deleted the inaccurate information from my credit file as required by law. 

These violations undermine the fundamental principles outlined in XXXX XXXX XXXX XXXX, which aim to ensure the accuracy and fairness of credit reporting for the benefit of consumers and the banking system. 

I respectfully request that the FTC investigate this matter and take appropriate enforcement action to ensure compliance with federal law. Inaccurate credit reporting severely impacts consumers like me, leading to financial and reputational harm. 

Enclosed are the following supporting documentation A copy of my credit report highlighting the inaccuracies. 


Thank you for your attention to this serious matter. 

Sincerely CFPB, FTC XXXX ALSO BEING TOLD BY EQUIFAX I'VE BEEN DISPUTED TO MUCH IN THE LAST 90 DAYS I WILL MAIL YOUR OFFICE ALL THE STALL TACTIC LETTERS STATING THEY CAN'T LOCATE A CREDIT FILE AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I live in XXXX XXXX California ( XXXX ) I got gas at XXXX on XXXX. Paid with my card at XXXX. Went home and my phone notification went off. Someone was withdrawaling cash from my cashapp account. I reached out to cashapp to dispute it and lock card. Ordered another. The person made XXXX withdrawals at XXXX for XXXX $ XXXX for XXXX XXXX XXXX for XXXX XXXX Cash app stopped the XXXX attempt at XXXX for XXXX $ for fraud suspicion. The atm used was onb-mn-brooklyn. An atm in minnesota. Their investigation took place over the weekend while banks are closed and concluded that I must have gave them permission because they used an atm. I did not and only have my XXXX card. They should not have been able to use an atm at all. I reached back out because I did not endorse or enable anyone to steal my money. They are refusing to help or tell me the exact atm that I could investigate I to myself. They say they are denying my dispute and that I should reach out to the merchant, who is the merchant when someone hacks or clones your card? Why was transactions allowed in another state when my card was used in XXXX XXXX ca?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies.I sent a letter to XXXX asking them to investigate these accounts ( XXXX Bank XXXX, XXXX Fed XXXX, State Employees Cred U XXXX ) I sent it certified mail. They sent me their XXXX and said those accts are verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Inaccurate or Incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.

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 2024-12-30 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: NC

Complaint narrative:
On XX/XX/year> I looked at my credit report, and I noticed some inaccuracies.I sent a letter to XXXX asking them to investigate these accounts ( XXXX Bank XXXX, XXXX Fed XXXX, State Employees Cred U XXXX ) I sent it certified mail. They sent me their XXXX and said those accts are verified and accurate. And according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Inaccurate or Incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
yes I paid lexington law about XXXX is fix me my credit but my credit never improved and they kept asking for more payments to start working on my credit my credit never improve back in XXXX Lexington law was still reporting XXXX XXXX XXXX on my credit report which stopped me obtaining housing for myself and children for years I was homeless and also other credit today I'm having a problem with gaining housing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I signed up for a credit card with community financial. There was a 12 month interest free. Following the interest free there was a 22 % interest rate that would begin occurring at the end of the XXXX XXXX period. After the XXXX XXXX  period they applied a balloon interest fee to the account which nearly doubled the account balance. This fee was not advertised or explained in the contract or the enrollment process. I contacted the credit card company and they said there was nothing they can do and that I must pay the balloon interest as well as the balance and continue accruing interest even after I closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Service International Corp
State: IN

Complaint narrative:
Today on Monday XXXX XXXX I received a motion to enforce judgment against me for garnishing my wages. This is my first time even being notified of a debt. It states the debt was initially XXXX cents but now has a balance due of XXXX. They are threatening to garnish my wages, assets, profits and other non exempt property. I am homeless I technically couch hop and I do not have a job. I have been fired from the place they want to garnish my wages from. 
It states that XXXX XXXX XXXX is the Plaintiff, I've never received any calls or notices from the in regard to the debt that I am aware of. I am also not aware of what this debt could be at all. I'm very worried about them winning in court now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally dispute a debt listed by PROFESSIONAL DEBT MEDIATION on my credit report. In late XX/XX/2024, I received notification of an alleged debt from a previous rental property ; the amount was inaccurate, prompting an immediate dispute. The notification outlined dispute resolution options via mail, phone, or their website, with a XXXX deadline. 

In XX/XX/2024, I submitted a formal dispute via their website. Subsequent attempts to submit the dispute and contact the company by phone were unsuccessful ; the phone line disconnected immediately. 

In XX/XX/2024, the debt appeared on my credit report, negatively impacting my XXXX XXXX. After repeated attempts, I finally reached a representative. Despite explaining the prior dispute submission and lack of response, no resolution was offered. The representative cited technical difficulties as the reason for non-receipt of my dispute and stated their role was limited to debt collection. This lack of responsiveness and failure to address my dispute is unacceptable and requires immediate rectification. 
The debt was added to my credit report without prior notification. Their website was malfunctioning, preventing any recourse. Despite following all instructions, I was denied the opportunity to discuss this issue. This constitutes an illegal action. After repeated phone calls, I provided my email address to resolve the matter, only to subsequently receive a bill for the apartment, a bill I had already disputed and identified as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$730.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX -- {$2400.00}

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 non-monetary relief
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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