vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigati be verified or re removal or corrected.

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 2025-03-22 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: MI

Complaint narrative:
My personal information was impacted by the Equifax data breach which is in violation of 15 USC 1681. As a result I have been victim of identity theft and accounts have been open in my name using my information. I have contacted consumer reporting agencies in regards to this and they have failed to remove the items that do not belong to me which is illegal. Alo this account shows as a charge off whivh is income and income is not reported on consumer report.

This account is also reporting without address and phone number to contact them which is violation of the fair credit reporting act. I demand this is removed immediatly for a number of resonses. Account that do not belong to me is as follow, which is impacting me greatly and stopping me from getting credit extended : XXXX XXXX XXXX Balance {$7600.00}

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
I received notification that a new collection account had been added to both my XXXX and XXXX credit reports. 

The account is for a XXXX XXXX ( Utilities ) account in XXXX  a place I have never lived or visited. I don't believe this account is mine. 

I have never received a bill for this account or a notification of a past due account. 

I attempted to dispute these collections with both credit bureaus and was told the accounts were " verified by the debt collector ''. 

All attempts to reach the debt collector or original account holder have not received any response.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
I asked them to remove all negative fraudulent marks from my account, and all addresses from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I know nothing of this account keeps on contacting me about the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
My account XXXX with XXXX XXXX was hacked and attacked by scammers XX/XX/year>. Please see attached report. This account should be closed and deleted from all credit reporting with a paid in full status.

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 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have had autopay sent up to pay my student loan set up since XXXX XXXX. In XXXX, Mohela made some change in their system and I was given a new account number. My auto pay was changed to reflect this account number update and ever since then, Mohela does not post my payments. I have checked with my bank and they confirm the payments were sent. I have spent months trying to contact Mohela but can hardly ever get in touch with anyone because wait times are 4-6 hrs. I ask for call back, but never receive one. I did talk with one representative finally one day, she told me to upload the bank statements and the correct department will take care of it. That was XXXX and nothing is fixed. I am now XXXX past due so now my credit score is being affected even though I pay my loan every month. Mohela is ruining my life.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I dispute any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. Allegations of delinquency and derogatoriness must be supported by factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations.I 'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report. 
XX/XX/XXXX-This account is not accurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 
XX/XX/XXXX- The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. 
The account XX/XX/XXXXwith number XXXX is not correct on my credit reportits showing a rating of Collection/Chargeoff. You mentioned the account was opened on XX/XX/XXXX and the last activity was on XX/XX/XXXX, but this doesnt add up. Please remove this account as soon as possible. 
Please address the inaccurate account XXXX ( XXXX ) on my credit report listed as Collection/Chargeoff, with dates XX/XX/XXXX and XX/XX/XXXX. This is hindering my financing efforts. 
As per 15 U.S.C. 1681s-2, I request this accounts deletion and proof of the {$730.00} Im seeing the account XX/XX/XXXX/XX/XX/XXXXwith number XXXX is marked with a rating of Collection/Chargeoff on my credit report. You said this account started on XX/XX/XXXX and had a last activity date of XX/XX/XXXX, but this isnt right. It needs to be deleted now. 
XXXX reaching out because this account XXXX XX/XX/XXXX( Original Creditor : XX/XX/XXXX) with number XXXX is showing up wrong on my credit report as Collection/Chargeoff, and its really holding me back. You said it was opened on XX/XX/XXXX and had a date of last activity of XX/XX/XXXX, but I know thats not right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Iam filings complaint cashapp Block Inc.due to rusdequate Costumer and unfair practical which violate the customer financial protection Act C FPA speechify cashapp failed to take timely and evocative mersles to provent and address fraud on their plant form leaving my account vale arable are and unprotected furthermore their dispute resolution process has unfair and deceptively as they did not comply with errors resceptive as they did not was unfair resolution requirements under the electronic funds transfer act EFTA and regulation E these actions have caused significant inconvenience and financial loss and I seek redress redness

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO TransUnion credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of an auto loan opened at XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report I noticed an address that I've never been associated with in any way on my report. The address was XXXX XXXX XXXX, XXXX, VA. That address had an eviction in 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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically Cash App failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) in Regulation XXXX These action 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 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: MA

Complaint narrative:
I was a victim of identity theft and now am being face with the actions from a criminal that absolutely compromised and ruined all avenue of financial support and security. I am severally impacted by this injustice and fraud that has been committed against me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ), has been provided. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted by Transunion. Please delete the following accounts, names and addresses ; 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 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 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 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 non-monetary relief
Consumer complaint received 2025-03-22 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:
File number XXXX, closed account on my credit I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report. that continues to negatively impact my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MI

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report. that continues to negatively impact my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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 2025-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Synergetic Communication Inc
State: TN

Complaint narrative:
In response to XXXX, provide the information as to who the original creditor is?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
Checked credit over the weekend and found out I had collection accounts associated with my social security number, but I have never owned a mobile device. I've been on my father 's account since I was XXXX and he is not with the company in question

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
Subject : Urgent : Fraudulent Transactions and Security Concerns with My Account Dear Consumer financial Protection Bureau, I am writing to express my deep concern and frustration regarding a recent experience with my Sofi account that has left me feeling vulnerable and dissatisfied with the level of security provided. 

Recently, while attempting to make a purchase, my transaction was unexpectedly declined due to " insufficient available funds. '' This was shocking to me, as I was confident that I still had at least XXXX or XXXX XXXX dollars in my account. Typically, when I make purchases for my games or when I use an ATM, I receive immediate notifications asking me to authorize the transaction. However, this time, I received no such notification. 

Upon logging into my online banking account to investigate the issue, I discovered several unauthorized transactions had been withdrawn from my account over the span of several days. What truly astonished me was that these transactions were linked to a XXXX XXXX account with multiple different names. This situation is not only frustrating but also raises serious questions about the security protocols in place to protect customers like myself. 

In todays digital age, where online security is paramount, it is baffling to me that transactions of this nature did not trigger any alerts or security measures. If I am prompted to authorize transactions that I initiate, why was there no similar safeguard when someone was fraudulently accessing my account? This discrepancy in security measures is concerning, and it undermines the trust I have placed in Sofi as my financial institution. 

I urge you to investigate this matter thoroughly. It is crucial that measures be implemented to ensure that customers are notified of any suspicious activity, especially when transactions are made under different names. The lack of protection in this instance has not only affected my financial situation but has also shaken my confidence in the security of my account. 

I would appreciate prompt communication regarding the steps Sofi is taking to address this issue and to enhance the security protocols to protect customers from fraudulent activities. I look forward to your response and hope for a resolution that restores my trust in Sofi services. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 pleae remove this from my credit file immediately i have disputed in accurate and/or unauthorized information on my credit file with experian creit bureau despite submitting documentation and a formal dispute under the fair credit reporting act 15 usc 1681 they have failed to remove unverifiable or inaccurate items within the required time frame

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Experian, tranunion, equifax, these are the credit burrows I'm having issues with.ive reached out to tell then all negative marks on my report are fraud even presented screenshots of the negative marks on credit report and there reply was we don't have your information on file

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