vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute Unauthorized Re-Insertion of Fraudulent XXXX XXXX XXXX Accounts Dear Equifax, I am writing to formally dispute the unauthorized re-insertion of two fraudulent XXXX XXXX XXXX  accounts on my credit report. These accounts were previously investigated and permanently deleted, yet they have now been unlawfully re-added to my Equifax credit file. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Disputed Accounts : Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Issue : Fraudulent accounts that were previously permanently deleted I am a documented victim of identity theft and have provided the FTC Identity Theft Affidavit confirming that these accounts were fraudulently opened in my name while I was undergoing extensive medical procedures, including years of hospitalization, life-threatening conditions, and even a XXXX XXXX. During this time, my personal and financial information was exploited, and these accounts do not belong to me.

Violations of Federal Consumer Protection Laws : 1. 15 U.S.C. 1681a-1681i Fair Credit Reporting Act ( FCRA ) : Re-insertion of previously deleted fraudulent accounts without proper notification to me is a direct violation of 15 U.S.C. 1681a-1681i.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax must notify me within 5 days of any re-insertion with proof of verification, which I never received.

2. 31 U.S.C. 5118 Legal Tender Laws & Debt Validation Rights : This statute protects consumers from unlawful financial practices, and as a victim of identity theft, I have the right to refuse responsibility for unauthorized debts fraudulently created in my name.

Demand for Immediate Resolution : Permanent deletion of the two XXXX XXXX XXXX accounts from my Equifax credit report. 
Investigation into how these accounts were re-inserted without following proper FCRA procedures. 

Written confirmation that these accounts have been permanently removed within 30 days. 

No further re-insertion of these fraudulent accounts without absolute verification and prior written notice to me. 

Failure to comply with FCRA re-insertion laws and properly investigate this dispute will result in legal action and a formal complaint to the CFPB, FTC, and State Attorney General. I demand full compliance with federal consumer protection laws and expect immediate action on this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Hello I purchased a vanilla Visa gift card in XXXX of 2024. In XX/XX/XXXX I noticed it was used for the entire {$50.00} on the card. I reported the fraudulent transaction. I was told I receive a replacement card or credit to the original card within 30 days but the investigation of said dispute can take up to to 90 days. So upon checking my vanilla account is ee I was issued a {$50.00} credit but am not able to use it. I was never issued a replacement card and I have moved from the address since then. I called to talk to someone who told me just to wait the entire 90 days before I'm able to get a replacement card or use my credit that's been issued which is against the law. I then asked to speak to a supervisor and he said I will not transfer you to a supervisor you'll have to call back. I asked him why and he said because he doesn't want too. He also said he didn't see a credit but I got a screenshot of it. They make you go through XXXX to get your money back and just tell you to wait. They don't even try to help or do they job and they barely speak XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$21000.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
UPON REVIEWING MY CREDIT REPORT, I DISCOVERED A UNAUTHORIZED ACCOUNT THAT I DO NOT RECOGNIZE. I CONTACTED THE CREDIT BUREAUS TO DISPUTE THIS ACCOUT AND REQUESTED THIER REMOVAL. UNFORTUNATELY, THE CREDIT BUREAUS REFUSED TO REMOVE THEM OFF MY REPORT. THIS ISSUE IS CAUSING UNDUE XXXX  AND IS NEGATIVELY AFFECTING MY FINANCIAL STANDING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I applied for a loan modification due to being behind on our mortgage payments. We locally had a severe ice and snow storm, resulting in us not receiving any type of mail for almost 2 weeks. Once we received mail I got the loan modification paperwork and the date to submit the paperwork that was stated on the documents had already passed. I contacted the mortgage company and they stated I could still turn in the paperwork, so we immediately had the documents signed and notarized and mailed them in. I received a denial letter from them stating the documents were too late, even though the person I had spoke to said to still mail them. At that time I requested for our mailing address to be updated to our XXXX XXXX XXXX due to it being more reliable and getting mail quicker. The employee I spoke to was not understanding the new address and was combining the XXXX XXXX with our street address, after arguing it was not correct I thought she had finally repeated it back correctly. We were informed we needed to apply for the modification again, so I completed the necessary form online that instructed us to wait up to 30 days. Around the 30 day mark I received a denial letter via the online account stating necessary paperwork was not submitted. I immediately called and stated we never received any sort of paperwork. After looking again at the denial letter on our online account I noticed that the address was incorrect, and the address on our statement was also incorrect but was completely different than the one on the denial letter. I stated we never received the paperwork, and they are now saying there is nothing they can do other than foreclose on our property because we didn't submit the paperwork that was never received, since their employee messed up our mailing address on the account. They are refusing to offer any kind of assistance at this time. All of this is also due to them neglecting to send a " P record '' to XXXX after they had requested it twice. XXXX helped to reinstate our loan quite a while ago and was going to provide additional financial assistance to get us caught back up so we could continue normal payments, but the mortgage servicer failed to provide that document and XXXX funds have now run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AZ

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 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App - Block Inc. due to inadequate customer service and unfair practices which violate the CFPA. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected. Thier dispute resolution process was also unfair and deceptive, as they did not comply with error resolution process under the EFTA and regulation E. These actions have caused significant inconvenience and loss, I seek an appropriate resolution for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal closed my account. I have been using paypal to pay my credit card bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report I noticed that there is a XXXX XXXX Bankruptcy Court items listed on my credit reports. 

Bankruptcy XXXX XXXX File Number XXXX Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the XXXX Bankruptcy Courts.

The bankruptcy court has mailed me a letter stating that they do not provide any information to credit reporting agencies, nor do they ever validate or confirm public records. Additionally, XXXX has provided documentation stating it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers, who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, Experian, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's 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 2025-03-19 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: CA

Complaint narrative:
I have asked Equifax to Update a Late Payment on XX/XX/year>2023, I Have submitted bank statements, to prove I paid on time. Equifax is the only credit agency reporting a late payment. This has hindered me from moving forward with a home purchase, I Have made several Attempts to correct this issue, I supplied a copy of my bank statement for the month of XX/XX/scrub> 2023 to prove I did in fact pay on time, My Monthly due date has always been on the XXXX. The payment was in fact posted on the XXXX to my bank account. Please correct and update this issue immediately. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am submitting this report to address incorrect details on my credit report. Equifax confirmed a system error that leaked my personal info, which was then misused. I've been denied credit as a result, and I request a resolution within 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
After reviewing my Experian credit report, I identified multiple fraudulent accounts that were not opened by me. These unauthorized accounts have negatively affected my credit profile. The fraudulent accounts include : XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX ) I have provided my FTC identity theft report as proof that these accounts were fraudulently opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: AZ

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 2025-03-19 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: VA

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 2025-03-19 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: EQUIFAX, INC.
State: VA

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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-03-19 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation