vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you 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. 
This fraudulent, inaccurate, and false information consists of a personal credit card account, 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, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you 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. 
This fraudulent, inaccurate, and false information consists of a personal credit card account, 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, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

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 2025-02-15 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: CA

Complaint narrative:
Due to the Equifax data breach, my information has been leaked all over the web. I have unauthorized account inquiries and balances on my credit report that is inaccurate.

Due to the Experian data breach, my information has been leaked and I am now receiving unsolicited phone calls letters, credit inquiries, unknown accounts on my credit report I have reached out to both of the companies and ask for all the information pertaining to this breach. I have put a lock on my credit And obtain credit reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: SC

Complaint narrative:
All three credit bureaus are reporting wrong information and all three credit reports have different scores and different accounts and last year I had my identity stolen Ive tried to resolve these issues Ive disputed multiple times and asked to validate the debt and havent received one single piece of mail.also I was in the Experian data breach and I request that all accounts be removed

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 2025-02-15 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: SC

Complaint narrative:
All three credit bureaus are reporting wrong information and all three credit reports have different scores and different accounts and last year I had my identity stolen Ive tried to resolve these issues Ive disputed multiple times and asked to validate the debt and havent received one single piece of mail.also I was in the Experian data breach and I request that all accounts be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: FL

Complaint narrative:
XX/XX/year> KIKOFF Started charging a fee of {$50.00} a month for service that was never provided. And this company ruined my credit score by over XXXX points I never borrowed money from them and they never not once even provided and credit help but wanted money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Danco Financial Services, LLC
State: LA

Complaint narrative:
Recently, I did an investigation on my XXXX credit report and saw that there was an inquiry from Danco financial that was not accurate. I filed my first complaint with the CFPB on XX/XX/XXXX and was informed to contact Danco financial attorney. I spoke with XXXX XXXX, who provided me with a 1099-C ( Cancellation of Debt ). I also requested the original contract with wet signatures and was provided with sheet XXXX out of the XXXX sheet contract from XXXX XXXX. I requested for Danco financial to provide documentation in regards to charge off account and the complete contract with Danco financial. Danco financial attorney office failed to provide the complete original contract requested and one sheet out of the five sheet document was presented making me question if this account is fraudulent. I have also filed a FTC complaint in regards to this matter and I have attached affidavit, Under 15 USC 1681e ( b ) Accuracy of report 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. 15 U.S.C. 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ) governs how consumer reporting agencies ( CRAs ) should handle disputed information in a consumer 's file. This includes deleting or modifying inaccurate or unverifiable information. Failure to accurately report the status of a debt that has been canceled or written off. Potential violation of the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and timeliness of reported information. To resolve this issue, I am requesting that Danco Financial be required to remove this inaccurate information from my credit reports with all major credit bureaus ( XXXX, XXXX, and XXXX ). I am providing the following supporting documentation for your review : Copy of the 1099-C issued by Danco Financial for XXXX XXXX XXXX, which confirms that the debt was canceled and should no longer be reported as active, email from XXXX XXXX ( attorney ) stating that 1099-C and sheet one of original contract is all the information that the attorney has in regards to this account, and sheet one of original contract. Any responses or lack thereof from the creditor or credit reporting agencies. This inaccurate reporting is negatively affecting my credit score and financial standing. I respectfully request the CFPBs assistance to investigate this matter and ensure that Danco Financial complies with all applicable consumer protection laws. Thank you for your time and attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
am formally disputing fraudulent charges reported by XXXX  XXXX XXXX on my credit report. The account in question reflects unauthorized transactions that I did not make or authorize. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that Experian conduct a thorough investigation and verify the accuracy of this information with documented proof, not simply an automated verification process. Additionally, under 15 U.S.C. 1681s-2, XXXX XXXX XXXXXXXX XXXX XXXX a furnisher of credit information, is legally required to provide accurate and complete data. Given the recent enforcement action by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to properly handle consumer disputes and verification procedures, I demand that Experian provide a detailed explanation of the method used to verify this disputed information. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ), I request : 1. A description of the procedures used to determine the accuracy and completeness of the disputed information. 2. The name and contact details of the entity that verified the disputed charges. 3. Copies of any documentation relied upon for verification. If Experian is unable to properly verify the legitimacy of these charges within the 30-day period required by law, I request that this fraudulent information be permanently deleted from my credit report per 15 U.S.C. 1681i ( a ) ( 5 ). Enclosed, I have included copies of police report. Please provide your response in writing. Thank you for your prompt attention to this matter. I expect full compliance with federal law and look forward to your resolution of this dispute.

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: GA

Complaint narrative:
In XXXX I had my original student loan consolidated. 

My old servicer XXXX has put the blame on Ed Financial student loan services as of XX/XX/XXXX. 

XXXX XXXX to my knowledge performed the student loan consolidation by paying off XXXX student loan installments and making them one account. 

I have been disputing inaccurate information by student loan servicer XXXX  for years All I want now is for Ed Finacial and XXXX XXXX  to remove all closed student accounts and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MD

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2025-02-15 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
All three credit bureaus are reporting wrong information and all three credit reports have different scores and different accounts and last year I had my identity stolen Ive tried to resolve these issues Ive disputed multiple times and asked to validate the debt and havent received one single piece of mail.also I was in the Experian data breach and I request that all accounts be removed

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 2025-02-15 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cash app My phone was stolen and my funds were depleted and I reported once I got ahold of them next thing I know my cash app account was closed down and them saying that I was breaking terms an rules of there company. So now Im without my money that was stolen and no where to turn for an account..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: AR

Complaint narrative:
I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the XXXX  data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.

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 2025-02-15 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: NC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
tried to withdraw XXXX dollars from a XXXX XXXX atm with my cash app card the atm never dispensed the money but took from my account. truist customer service said to take up with cash app because the transaction was reversed cashapp has denied my dispute 2 times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Delinquency Reporting Bread Rewards To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my Bread Rewards account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 

Complaint Details : Creditor : Comenity Bank ( Bread Rewards Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX XXXX of the Dispute : Bread Rewards has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required. 

I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation. 

Requested Resolution : I request that Comenity Bank : C

onduct a full reinvestigation of my account status. Provide documentation verifying the accuracy of the reported delinquency. Remove or correct the delinquency if it can not be verified. Update all three major credit bureaus with the correct informa
tion. 
This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws. 

I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service
State: MS

Complaint narrative:
Army Airforce Exchange collections told me if I didn't pay the full amount by the XXXXXXXX XXXX  XXXX, they will file agents me and take the XXXX out of my check of {$2100.00} I only get paid by the VA at 90 % and that's not very much

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 2025-02-15 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: PA

Complaint narrative:
The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: I.C. System, Inc.
State: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR REPORTING ACT.THE LIST OF ACCOUNT BELOW HAS VIOATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALTY UNDER 15 USC 1681 ACCOUNT NAME IC SYSTEMS

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 2025-02-15 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: PA

Complaint narrative:
The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that XXXX ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. XXXX has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe XXXX is in violation of similar federal 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 explanation