vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: GA

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report pertaining to certain charge-off accounts. It has come to my attention that the reported balances for these accounts are inaccurate, as they should reflect a XXXX balance. 

XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00}

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 2025-02-18 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: OH

Complaint narrative:
Subject : Dispute of Fraudulent Accounts and Unauthorized Inquiries Immediate Deletion I am writing to formally dispute fraudulent accounts and unauthorized inquiries appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am a victim of identity theft, and I have attached a copy of my FTC Identity Theft Report ( Report No. XXXX ) to support my claim. 

XXXX Accounts to Be Deleted : 1. XXXX XXXX XXXX Opened XX/XX/XXXX {$3900.00} 2. XXXX XXXX  Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX to Be Removed : 1. XXXX ( Bank ) XX/XX/XXXX 2. Bank XXXX XXXX XX/XX/XXXX 3. XXXX Bank XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and removal of these fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ), I demand the deletion of unauthorized credit inquiries, as they were made without my consent and violate my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers are required to report only accurate information. As these accounts and inquiries are fraudulent, their continued reporting constitutes a violation of federal law. Failure to remove them promptly may result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

I request that you complete your investigation and confirm in writing that these fraudulent accounts and inquiries have been permanently removed from my credit report within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

If you need further verification, please refer to the attached FTC Identity Theft Report, which establishes my claim as a victim of identity theft. 

Thank you for your prompt attention to this matter. Please send me written confirmation of these deletions at the address listed above. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Sincerely, XXXX XXXX XXXX without prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: OH

Complaint narrative:
Subject : Dispute of Fraudulent Accounts and Unauthorized Inquiries Immediate Deletion I am writing to formally dispute fraudulent accounts and unauthorized inquiries appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am a victim of identity theft, and I have attached a copy of my FTC Identity Theft Report ( Report No. XXXX ) to support my claim. 

XXXX Accounts to Be Deleted : 1. XXXX XXXX XXXX Opened XX/XX/XXXX {$3900.00} 2. XXXX XXXX  Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX to Be Removed : 1. XXXX ( Bank ) XX/XX/XXXX 2. Bank XXXX XXXX XX/XX/XXXX 3. XXXX Bank XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and removal of these fraudulent accounts from my credit report. Additionally, under 15 U.S.C. 1681b ( c ) ( 1 ) ( B ), I demand the deletion of unauthorized credit inquiries, as they were made without my consent and violate my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers are required to report only accurate information. As these accounts and inquiries are fraudulent, their continued reporting constitutes a violation of federal law. Failure to remove them promptly may result in legal action, including a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

I request that you complete your investigation and confirm in writing that these fraudulent accounts and inquiries have been permanently removed from my credit report within 30 days, per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

If you need further verification, please refer to the attached FTC Identity Theft Report, which establishes my claim as a victim of identity theft. 

Thank you for your prompt attention to this matter. Please send me written confirmation of these deletions at the address listed above. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 
If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Sincerely, XXXX XXXX XXXX without prejudice

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 2025-02-18 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
On XX/XX/2024 I called CCS to respond to multiple collection accounts on my credit reports from them. I had never once received a single letter, email, or phone call from CCS in regard to the listed accounts, but was new to collections and was willing to do anything to get the accounts off of my credit report. 

I had researched and found out that many collection companies would cease reporting or delete the data to do with the accounts if a settlement was reached for payment. So when I called CCS, I asked if we could do a lump sum payment on all of the accounts, in order to have them removed from my credit report. The representative responded by telling me that the only way to have them removed, was by paying the collections in full. Ignorantly, I agreed, desperate to have these off of my credit report. 

That same day, XX/XX/XXXX, I paid off all of the accounts with them I had in full, in return for the promised deletion of the accounts, accounts that were never verified. and I foolishly paid as I was horrified of having negative information on my credit report. It turns out the representative lied to me, possibly to get more commission, and the information is still on my report as derogatory and collection charge off accounts, a year later. This has turned into a nightmare for me, and I feel my consumer rights were violated when I was told that making the payment in full was the only way to have them removed from my account. All of the information I provided can be verified with phone records. My next step after this will be contacting a credit attorney and filing suit for violation of my rights in regard to this collection practice by CCS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$730.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-02-18 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 ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Chrysalis Holdings LLC
State: GA

Complaint narrative:
Relevance to your posted article : Orders NewDay USA to Pay {$2.00} XXXX for Illegally Luring Veterans and Military Families into Cash-Out Refinance Loans NewDay USAs deceptive tactics came amid XXXX  XXXX XXXX XXXX scandal XX/XX/XXXX I am a XXXX XXXX  who did a refianance loan with Newday USA XXXX XX/XX/XXXX and I am a victim of the NEWDAY USA XXXX CHURNING SCANDAL. I lost XXXX XXXX dollars in equity and my mortage payment went up over XXXX dollars. I have XXXX and was fully taken advantage of by Newday USA 's crooked scheme.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Total Amount of Funds Held : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Dispute : A PayPal user, XXXX, voluntarily sent me generous tips totaling {$5700.00} USD as support for my work. These payments were not for goods or servicesthey were purely voluntary. I have clear proof that he willingly sent the money and acknowledged doing so. 

However, he later fraudulently filed chargebacks, falsely claiming the payments were unauthorized. Despite submitting evidence to PayPal proving these transactions were voluntary tips, PayPal has unfairly frozen my funds and left my account in the negative. 

Impact on My Business : -My PayPal account is now negative, blocking my ability to conduct business. 
-I am unable to pay my bills due to this unjustified hold. 
XXXX attempted to resolve the issue directly with XXXX XXXX but he has ignored my requests. 

I have attached screenshots proving : XXXX willingly sent the money as tips He acknowledged the transactions He did not dispute the payments at the time of sending PayPal 's failure to protect sellers from fraudulent chargebacks is unacceptable. I expect urgent action to resolve this issue. 

Ive contacted PayPal reps multiple times to escalate this situation, and I need it resolved ASAP. Please assist me in getting this sorted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documents, including a letter from an advocacy group helping me as a victim of XXXX  XXXX  through debt bondage. This situation falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I kindly ask you to block this information from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act. As a victim of human trafficking through debt bondage, I request the removal of all related items and the deletion of any company information from TransUnion. 

Please take action to remove the following items : XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$21000.00}

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 2025-02-18 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: MA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on 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 explanation
Consumer complaint received 2025-02-18 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: MA

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on 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