vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 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:
This serves as a formal demand for the immediate removal of the fraudulent account listed under XXXX XXXX from my credit report. This account was fraudulently opened and is not authorized by me. Under federal law, you are required to remove any inaccurate or unverifiable information from my credit report. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I am exercising my rights as a consumer to demand the deletion of this fraudulent account. Under 15 U.S.C. 1681s-2, data furnishers are prohibited from reporting inaccurate information, and credit bureaus are obligated to correct or remove false data. Failure to comply with these legal obligations is a direct violation of federal law and may result in legal action against all responsible parties.

Additionally, under 15 U.S.C. 1681n and 1681o, I reserve my right to pursue legal remedies, including statutory damages, punitive damages, and attorney fees, should you fail to comply with this demand. I expect written confirmation of the removal of this account from my credit report within the legally required timeframe. 
I have enclosed a copy of my identification, social security card and a copy of my credit report highlighting the fraudulent account for reference. 
I expect written confirmation of this deletion. Failure to act will result in further legal consequences.

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 2025-02-02 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account. Please remove this account, it is hurting my ability to obtain credit.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/year> I noticed that I had information on my consumer report that has addresses that I don't receive mail and personal nonpublic information. The same day I sent out disputes and didn't receive any responses.

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 2025-02-02 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you investigate this matter and remove or correct the disputed information as soon as possible under the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation of your findings and any updates to my credit report.

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 2025-02-02 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you investigate this matter and remove or correct the disputed information as soon as possible under the Fair Credit Reporting Act ( FCRA ). Please provide written confirmation of your findings and any updates to my credit report.

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

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2025-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I had a XXXX credit card through XXXX XXXX many years ago. I used the card and maintained payments but one day it showed as if I owed the full amount then over the amount of credit. I stopped paying as I tried to figure it out with XXXX. Then the card was sent to collections. Midland Credit Management bought the account and began calling me at all hours, emailing all the time. 

At one time to try and make it all stop I enrolled in a payment plan. The debt was about {$1200.00} at that point. I paid more than {$300.00} yet the debt wasn't reflecting that. It remained over {$1000.00}. I stopped paying after trying to communicate with Midland Credit Management and being ignored. 

That was a year ago. Now once again they are sending me emails constantly offering a low one time payment option to clear the debt. Yet the offer doesn't exist as they are asking me to pay {$1000.00}. This isn't a reduced amount and doesn't reflect any payments made in the past either. They've stated before in emails no late fees so how is the debt increasing? I tried to contact them to ask why no actual reduced debt offer has been given but only got an automated reply with a copy of the message I sent through their website. They have been emailing me nonstop threatening legal action. This is the second account with them that they have done this. 

In the past they sued me for another debt and pulled from my bank account an excess of the debt they claimed I owed even after I stated that was a fraudulent debt. With their lawsuit on the first debt they collected twice on the debt forcing me to pay a debt they never substantiated and their lawyer fees. I do not want this to happen a second time but they refuse to give me details on a reduced payment option or proof the debt is mine. They jumped right to we will sue. The last time they were able to successfully issue levy on all the funds in my XXXX XXXX XXXX Checking and XXXX account. This was on XX/XX/year> 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Account name AMERICAN EXPRESS Account number XXXX Recent balance {$17000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$17000.00} written off. {$3900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address identification number XXXX Type Credit Card Terms Not reported On record until XX/XX/XXXX Credit limit or original amount Not reported High balance XXXX XXXX  Monthly payment Not reported Date of status XX/XX/XXXX Responsibility Individual Comment Account closed at credit grantor 's request. 
Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXXAccount number XXXX .... 
Recent balance {$1300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX Address identification number XXXX Original creditor XXXXXXXX XXXX XXXX XXXX  Type Debt Buyer Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount Not reported High balance Not reported Monthly payment Not reported Date of status XX/XX/XXXX

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

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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

Complaint narrative:
I have no knowledge of this I didnt authorize these inquiries please remove these inquiries 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 explanation
Consumer complaint received 2025-02-02 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: IN

Complaint narrative:
Subject : Formal Demand for Removal of Inaccurate and Unverified Negative Items RE : Credit Report Dispute Report # XXXX ( Experian ), [ Insert XXXX Report # if known ] To Whom It May Concern : I am writing to formally dispute the following inaccurate, incomplete, and unverified negative items on my credit report under Section 611 of the Fair Credit Reporting Act ( FCRA ). These items have not been properly investigated despite previous disputes, and their continued reporting violates my rights under the FCRA. 

As you are aware, Experian/XXXX  is currently subject to litigation for failing to investigate disputes in good faith. I demand the immediate removal of the following items, as they are either erroneous, outdated, or lack sufficient verification : Disputed Accounts XXXX XXXX XXXXXXXX ( Account # XXXX ) Alleged Debt : {$280.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This collection account is inaccurately reported as past due as of XX/XX/XXXX. I have no record of this debt, and your agency has failed to provide validation of the original creditor ( listed as " XXXX '' ) or proof of ownership. 

XXXX XXXX  XXXX ( Account # XXXX ) Alleged Debt : {$160000.00} ( Joint mortgage, opened XX/XX/XXXX ) Basis for Dispute : The payment history inaccurately shows past-due status and foreclosure proceedings. This account was modified under a federal government plan, and the reporting does not reflect the updated terms. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Charge-Off : {$16000.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This account is fraudulently reported as " charged off '' through XXXX despite being closed in XXXX. The payment history is fabricated, and no validation has been provided. 

DEPT OF EDUCATIONXXXX XXXX Account # XXXX ) Alleged Debt : {$2900.00} ( Opened XX/XX/XXXX ) Basis for Dispute : This account inaccurately reports a 90-day delinquency in XXXX. Payment records show consistent on-time payments since XXXX, and the balance does not reflect recent adjustments under federal student loan programs. 

XXXX XXXX XXXX  ( Account # XXXX ) Auto Loan : Closed XX/XX/XXXX Basis for Dispute : The payment history falsely lists multiple 30/60-day delinquencies. This account was paid in full and closed with no late payments.

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 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Block Inc, f/k/a Square Inc with address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX an official XXXX IRS filing form 1099-K to my mothers address. The form list my name and my taxpayer ID stating that I received payments totaling {$6600.00} in XXXX and XXXX of XXXX. 

They listed cash.app/contact as the methodof contact on the form. I contacted them immediately and they asked for the phone number connected with my account. I explained to them that I do not have an account with them. I did provide my phone number and they said that my phone number is not connected to any cash.app account. 
They said that since I don't have an account, they can not provide me any information and that they do not give tax advice. 

Someone is using my social security number to receivepayments on cash.app and Block Inc ( formerly Square Inc ) is taking no responsibilityto stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin, XXXX XXXX XXXX XX/XX/year> Subject : Request for Debt Validation, Chain of Ownership, and Cease and Desist Dear, I C SYSTEMS I hope this letter finds you well. I am writing to formally dispute the validity of the debt you claim I owe and to request specific documentation regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt being collected, and I am exercising that right now. 

To ensure clarity and transparency, I request the following information : 1. A copy of the original assignment or contract that confirms your authority to collect on this debt.

2. A complete chain of ownership that demonstrates how this debt has been transferred from the original creditor to your agency. 
3. A detailed accounting of the debt, including the original amount, any fees or interest added, and the total amount currently being claimed. 

Furthermore, I want to bring to your attention that I am currently being harassed by your agency and other collection agencies regarding this debt. This has caused me significant distress and is unacceptable. Therefore, I request that you immediately cease and desist from all further communication with me concerning this debt until you provide the requested validation. 

I have not supplied doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Please be aware that I am keeping a record of all communications related to this matter. If you fail to provide the requested documentation within 30 days of receipt of this letter, I expect you to discontinue all collection efforts regarding this debt and update my records accordingly. 

I appreciate your prompt attention to this serious matter. I look forward to receiving the requested information so we can resolve this situation amicably. 

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 2025-02-02 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
XXXX XXXX  REPORTED MY ACCOUNT TO CHEXSYSTEMS AS FRAUD I DO NOT RECALL CLOSING OR HAVING THIS ACCT FURTHERMORE THEY WILL NOT GIVE ME ACCOUNT INFO AS I HAVE NO DEBIT CARD INFO MUST GO TO BRANCH NO BRANCHES ARE NEAR ME. ACCOUNT IS FRAUD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
The company is MoneyLion. I signed up for their rewards program, where I had to play mobile games for money. They will not let me cash out the rewards, {$94.00}. They are preventing me from creating a checking account under the pretense of my verification failing, but they did not try to look at my driver 's license or do a video call with me. I believe they are intentionally doing this so I do not receive my rewards money. 

Since they are accusing me of fraud, I thought I should talk to their fraud department, but they would not let me. They would not let me attempt to verify myself at all.

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

Complaint narrative:
I want reported accounts removed. 
I made several disputes on XXXX XXXX XXXX

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief