vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: FL

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I have identified that is incorrect and does not belong to me. I never authorized this, nor is it a valid reflection of my 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 non-monetary relief
Consumer complaint received 2025-02-13 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my report, I have identified that is incorrect and does not belong to me. I never authorized this, nor is it a valid reflection of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
First, the way you have this configured to select from a few options is insufficient to categorize my claim. I don't believe this methodology yields effective data given how individualized circumstances may be. Nevertheless. 

I owe the " lending company '' Affirm around XXXX XXXX I have every intention to pay this in no more than 3 months at the longest. The problem is that they call me from odd numbers. In XXXX case they called from a number with an XXXX XXXX Zip code ; a zip code I as an individual, normally associates with the capital of my state and the location to which my tax dollars go. I am unaware of any Affirm location in the XXXX XXXX XXXX XXXX XXXX. The call is essentially spoofed ; leaving me no way to determine who or what entity I am speaking with. 

Case # XXXX - Same thing. Occurred today ( XXXX XXXX XXXX  ) around XXXX XXXX XXXX. I get a call with a caller ID of " XXXXXXXX XXXX XXXX Displayed exactly as such, calling from XXXX ( XXXX ) XXXX. Another different number and with an obscure caller ID. Interested, I picked up. They claim they are a representative of Affirm and ask if I am [ Full First Legal Name ], [ Full Legal Last Name ]. I ask who I am speaking with and that I can neither confirm nor deny those details until I know who I am speaking with, and the matter this call is concerning. They say affirm and I ask them why their caller ID is labeling this number as such. They have no explanation and in the same breath proceed to pry me for information. I ask how I can even determine that who I am speaking with on the other line is in fact who they say they are. After XXXX iterations of refusing to elaborate on their end, the representative informs me that he has to disconnect the call. No Obscenities or Profane language were used. Just questions that are derived from critical thinking. As stated, I have no intention to not rectify the minuscule debt owed to affirm, however I do believe that this practice of using numbers identified as gibberish while not allowing lenders to ask simple questions is a burden to society. All this does is reinforce bad habits that often lead to identity theft. This is the second time I have been unable to confirm what company is contacting me so I have had enough of the nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
Equifax is being sued and there was a data breach. I am no longer confident in what is on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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 XXXX ( MO ) XXXX XXXX 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 2025-02-13 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 XXXX ( MO ) XXXX XXXX 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
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
ive been dealing with this issue since XXXX XXXX in this time period i started service at my current address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ga XXXX the representative mistakenly put two accounts in my name when i started service for wifi. the company is billing me twice for the same service, which the wifi comes out of my rent each month that is paid directly. im now being sent debt collection notices for the second account that should not be open, i reached out to XXXX on XX/XX/year> to resolve this issue, even tho the accoiunt is showing XXXX usage with no data used they are not honoring this mistake they made on there end of the amount of {$61.00}. they now have sold my debt to trueaccord

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
I received loan years ago, despite barely making more a year than I took out in the loan. I was able to make the very expensive monthly payments, barely. I was diagnosed with XXXX XXXX in XXXX, I had XXXX expensive surgeries including XXXX and I was off XXXX months on XXXX. Despite me telling them this, willing to sumbit lab results and surgical reports, they continue to charge me late fee 's while I struggle to barely make these payments by the XXXX late due date. Hundreds I have spent on late fee 's with this company, despite my own hardships. My interest rate is insane and should also be recalculated. I have a XXXX XXXX XXXX. I have been married for over XXXX  years and we have XXXX kids in college. Please understand, this is a legitimate hardship that they continue to take advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: NJ

Complaint narrative:
I just reviewed my credit report and was alarmed to find accounts I have no knowledge of. These accounts were never opened or authorized by me, yet they are being reported under my name. This is completely inaccurate and misleading, and I need immediate clarification on how this happened.

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 2025-02-13 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 ( 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 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 a significant inconvenience and financial loss, and I seek appropriate redress for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: ID

Complaint narrative:
Someone got my login information for XXXX  and purchased {$160.00} worth of items on XX/XX/XXXX, using my Discover credit card saved on the XXXX website. The items were not shipped to me, they shipped and delivered to an unknown ( to me ) person and address. I saw the charge on my credit card account and disputed it. On XX/XX/XXXX, again got notified from XXXX that there was an order for {$77.00} and the shipping address was different than the first fraudulent charge, but again, not me, my purchase, name, or address. I immediately called XXXX XXXX XXXX and they informed me that they could not cancel the order because it was placed more than 30 minutes prior to my request to cancel. And that the only thing I could do, is dispute the transaction with my credit card company. I called Discover and initiated another dispute on that charge. 
Discover contacted me by mail and said that the charges were valid because they were successfully delivered. I provided a written rebuttal with screen shots of me trying to cancel the order and, just my written statement that I am not the recipient of the goods, not my name or address. 
Again, Discover said they reviewed my statement and will not reverse these charges, because they say they are valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 2025-02-13 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-13 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: GA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer federal protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward. Consumer provided evidence to companies, accepting unreliable response, responses, and failing to adequately, notify consumers of disputes outcome. These feeling align with my rights where experience has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standings. I am requesting immediate corrective actions to remove disputed accounts as experience in action, violates my federal laws 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 non-monetary relief
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. The consumer federal protection bureau has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward. Consumer provided evidence to companies, accepting unreliable response, responses, and failing to adequately, notify consumers of disputes outcome. These feeling align with my rights where experience has neither corrected or removed disputed items. Despite the evidence I provided causing ongoing harm to my credit standings. I am requesting immediate corrective actions to remove disputed accounts as experience in action, violates my federal laws and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: AR

Complaint narrative:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) requesting that TransUnion, Experian and Equifax the credit reporting agency, block fraudulent and inaccurate information from the consumers credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ). The consumer XXXX XXXX XXXX claims that several fraudulent accounts and hard inquiries have appeared on their credit report, including : A personal credit card opened at XXXXXXXX XXXX 
Several XXXX accounts opened from XXXX. 
A personal loan opened at XXXX XXXX XXXX. 
A collection of accounts opened from XXXX. 
The complaint includes supporting documents : A list of the fraudulent hard inquiries. 
A copy of the consumers FICO credit report showing the fraudulent accounts and inquiries. 
Proof from the Federal Trade Commission ( FTC ) in the form of an Identity Theft Criminal Complaint ( XXXX, XXXX, XXXX ) confirming the fraud and identity theft. 
The consumer is requesting that TransUnion, Experian, and Equifax block this inaccurate information within 4 business days of receiving the complaint.

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 2025-02-13 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:
I am writing to bring to your attention a serious issue regarding my credit report. It has come to my notice that an account, which clearly belongs to someone else, is being mixed with my credit information. This is a significant error, and it is affecting the accuracy of my credit report. I have no association with this account, nor do I have any responsibility for it. The presence of this incorrect information on my report is damaging and entirely unfair.

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