vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-19 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: MN

Complaint narrative:
This account was opened XXXX. I advised that this account was created fraudulently and should be removed from my credit report. I provided police report XXXX with the XXXX, MN police department. I also advised I may have been a victim of sim swap as I have no idea how someone could open the account under my name. There is no other way for me to prove fraud besides filing a police report. No one seems to be able to help me. I continue to get harassed by phone calls, emails, and text messages to pay a balance that is not mine.

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 2025-02-19 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: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
This account was opened XXXX. I advised that this account was created fraudulently and should be removed from my credit report. I provided police report XXXX with the XXXX, MN police department. I also advised I may have been a victim of XXXX swap as I have no idea how someone could open the account under my name. There is no other way for me to prove fraud besides filing a police report. No one seems to be able to help me. I continue to get harassed by phone calls, emails, and text messages to pay a balance that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Blockchain.com, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I purchased {$1000.00} of XXXX on blockchain.com, an app that offers XXXX  investments, To this day, XX/XX/XXXX my {$1000.00} is still on hold even though the transaction says Completed and successful on my activity transaction list. I had given up on them to ever fix this but after seeing people have success through filing a complaint, I am now pursuing to retain my funds. I have recently reached out the blockchain.com support team, and they have no answers, and very very rarely communicate back to me. I have all necessary screenshots of my account ledger showing the {$1000.00} purchase I made and where it remains on hold 3.5 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: CA

Complaint narrative:
I am writing to formally dispute the reinserted information on my credit report that was previously removed. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), if an account is disputed, found to be inaccurate, and subsequently removed, it can not be reinserted without notifying the consumer within five business days. 
The account in question is XXXX XXXX XXXX  Account Number : XXXX, which was removed following a dispute. However, I recently discovered that this account has been reinserted on my credit report without receiving any notification from your agency within the required time frame. 
This reinsertion without the proper notification is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ).

Therefore, I request that you : 1. Immediately remove the reinserted information from my credit report.

2. Provide written confirmation that this has been done.

3. Ensure all future reinsertions comply with FCRA regulations.

Attached are copies of the relevant documents supporting my claim, including the initial dispute correspondence and confirmation of the accounts removal.

I expect this matter to be resolved promptly and request confirmation within 30 days of receiving this letter. 
Thank you for your prompt attention to this issue.

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 2025-02-19 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: NV

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had an {$8000.00} balance on my credit card account with Citi and have consistently made all payments on time. Despite this, Citi unilaterally reduced my credit limit to {$1000.00} while my balance remained at {$8000.00}. As a result, my credit report now reflects a utilization rate of over 800 %, which has significantly damaged my credit score. I am seeking clarification on the legality of reducing a credit limit to an amount below the current balance, especially when such an action causes severe harm to my financial standing. Additionally, my minimum payment has unexpectedly increased from {$83.00} to {$7000.00}, which appears both unreasonable and potentially unlawful. This sudden and drastic change has had a substantial negative impact on my financial well-being, and I believe it may constitute a violation of consumer protection laws or credit regulations.

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 2025-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 resolution proce 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 2025-02-19 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: NY

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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:
Equifax failed to provide an initial privacy notice before disclosure. I, the consumer assert that Equifax did not provide a clear and conspicuous notice informing me of my right to opt out of the disclosure of my non-public personal information to non-affiliated third parties, as required by 12 CFR 1016.4. Right to Privacy : The FCRA emphasizes the importance of consumer reporting agencies, like Equifax and XXXX handling my personal information fairly, impartially, and with respect for my privacy ( 15 U.S.C. 1681 ). Sharing My Information Requires Consent : authorized purposes ( 15 U.S.C. 1681e ). CRAs can only furnish my credit report under specific circumstances, including with my written instructions ( 15 U.S.C. 1681a ( a ) ( 2 ) ) and i have not provided such written consent. This pertains to account ending in # XXXX, XXXX  ( XXXX XXXX XXXX  ). Also, this account was taken off of my credit report from a prior dispute and then was re-inserted shortly after. When disputing again, Equifax then began a series of " stall letters '' acting as if they couldn't match my identity to the credit file, yet in equifax 's letter sent to me, they address me as " XXXX XXXX XXXX XXXX '' ... a name that is only found on my Equifax credit file ( which has been disputed as well and not corrected ), in which they claimed they were unable to locate in their databases. Credit account is attached as well as one of the " stall letters ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OR

Complaint narrative:
I received credit monitoring notification that a collection showed up on my credit report from a company by the name of Sunrise Credit Services for {$100.00}. 

I immediately pulled a credit report and Sunrise Credit Services is a collection company for XXXX. I am an existing XXXX customer for XXXX years with no late payments and in good standing. I contacted XXXX and they confirmed my account is in perfect standing and that they have NO record of reporting me to a collection agency. 

I contacted Sunrise Credit Services and they wouldnt talk to me unless I gave them my social security number over the phone. I asked to verify my identity a different way and they couldnt verify my current address for a home Ive owned and lived in for XXXX years. The same address I am a XXXX customer at. 

I have not received any written communication from Sunrise Credit Services. They are incorrectly reporting False information that does not belong to me and I confirmed with the original creditor they have filed no such collection. Sunrise Credit Services has not provided any written guidance.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Subject : Dispute of Account # XXXX Request for XXXX Form and Removal from Credit File Dear Sir/Madam, I am writing to formally dispute the current balance on my credit bureau files ( Account Number : XXXX ) with Launch Servicing LLC. As stated in my credit file, the account in question originated from an education loan, dated XX/XX/year>, for the original amount of {$9500.00}. However, I have noticed that the balance on the account has been charged off up to {$23000.00}, which I find unclear and unjustified. 
In accordance with 26 U.S. Code 6050P, I am requesting that you issue a 1099-C form for this account. This section of the U.S. Code mandates that a creditor must issue a 1099-C for any debt that has been canceled or discharged in an amount of {$600.00} or more. I understand that this account may have been charged off as a loss, and I would appreciate the timely issuance of this form for tax reporting purposes.

Furthermore, I believe this account may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2. According to the FCRA, a debt that has been discharged, written off, or charged off should no longer appear on the credit file, as it misrepresents the actual status of the debt. Since this account is charged off and written off by your company, I am requesting that it be promptly removed from all three ( 3 ) of my credit reporting files to correct any inaccuracies. 
I expect the immediate removal of this account from all three ( 3 ) of my credit reporting files to comply with the Fair Credit Reporting Act. I kindly request your prompt attention to this matter and expect a resolution in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXXXXXX BALANCED {$1700.00} XXXX  XXXX BALANCED {$0.00}

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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I asked for investigation and evidence, but they responded " verified '' XX/XX/XXXX I asked for a reinvestigation and evidence, but they responded " verified '' XX/XX/XXXX I provided documentation and proof that the accounts were reporting inaccurately XXXX is being falsely reported with different Last Payment date between all three credit bureaus, the Date Opened is not the same for all three credit bureaus, Date of last Activity for all three credit bureaus is not matching Experian has XX/XX/XXXX as payment received, but Equifax has my XX/XX/XXXX payment as 30 days late as first month late, XX/XX/XXXX on Experian is reported on time payment, but Equifax has it reported for 60 days late. I asked them to Delete this account for its false reporting and inaccurate information. They continue reporting knowingly with no regard to laws XXXX was charged off as of ( XX/XX/XXXX ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Reporting on my credit report falsely and also falsely manipulates the statute of limitations. I reported this to them through certified mail, and they continue to report I asked them to delete this account, but it's still there. Equifax deleted the account when I wrote them on XX/XX/XXXX XXXX IS FALSELY REPORTED with inaccurate information because TransUnion has it as 120 days late in XX/XX/XXXX, and Experian has it as 150 days late for XX/XX/XXXX, AND TransUnion has it 120 days late for each month starting with XX/XX/XXXX. I asked them ( TransUnion and Experian ) to delete this account, but it's still there. Equifax deleted the account when I wrote them on XX/XX/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 2025-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : DEPTEDXXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XXXX/XXXX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-19 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue.

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report. 

Specifically, I am seeking the removal of the following unauthorized accounts : Collection XXXX XXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX XXXX XXXX It is essential that my credit report reflects only accurate and legitimate information.

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