vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing to formally dispute a credit inquiry on my credit report that I did not authorize. I believe this inquiry was made in error, and under the Fair Credit Reporting Act ( FCRA ), I have the right to request that this unauthorized inquiry be investigated and removed from my credit report. I did not give consent for this credit inquiry, nor did I apply for credit with this company. I request that you thoroughly investigate this matter and remove the unauthorized inquiry from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I ask that you provide me with verification that I authorized this inquiry or that it was made by mistake. If no valid consent or explanation can be provided, I request that you delete this inquiry from my credit report. 

Please confirm the removal of the inquiry and update me on the status of this dispute within 30 days, as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has provided to the credit bureaus that they have written off this account. Per the FCRA, income is not allowed to be reported on a personal credit report. I am asking that they provide me with the 1099c immediately for any accounts that they have written off with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Inappropriate use of my credit report EQUIFAX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount - Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: KS

Complaint narrative:
XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX DL- XXXX Address- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. 

XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies I dont recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately!

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 2025-02-03 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: NY

Complaint narrative:
I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/year>

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 2025-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The account is charged off with a past due balance that is different from the charged off amount. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports.

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 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of an account listed by XXXX XXXX on my credit report. The account in question is identified as [ XXXX ]. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2, I request that you investigate and verify the details of this account, as I believe the information is inaccurate. 

I have reviewed my credit report and have identified the following issues with the account : [ Briefly outline the dispute, e.g., wrong amount, unauthorized charge, account opened without consent, etc. ] In accordance with the Fair Credit Reporting Act, I request that you verify the accuracy of the information or remove this account from my credit file if it can not be validated. Please provide me with the results of your investigation within 30 days. 

I appreciate your prompt attention to 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 explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
INTRODUCTION This is an action of forgery in the name and personal information on documents related to student loans of XXXX XXXX. 

STATEMENT Of Facts XXXX XXXX discovered that Aidvantage had forged my name and personal information on student loan documents without authorization or consent. 

I did not apply for or authorize any student loans with Aidvantage. 

Aidvantage knowingly submitted falsified documents to facilitate loan approval, which I did not request or benefit from. 

As a result of Aidvantage actions, I have suffered financial harm, including but not limited to : Damage to credit score, Emotional distress, Potential legal liabilities. 
I attempted to resolve the matter directly with Aidvantage, but no corrective actions were taken. 

CAUSES OF ACTION COUNT I : FORGERY XXXX XXXX incorporates by reference all preceding paragraphs. 

Aidvantage knowingly and willfully forged XXXX XXXX 's name and personal information on official loan documents in violation of. 

COUNT II : FRAUD XXXX XXXX incorporates by reference all preceding paragraphs. 

Aidvantage actions constitute fraud by making intentional false representations of XXXX XXXX 's information to secure student loans without authorization. 

COUNT III : NEGLIGENCE Aidvantage breached its duty of care to XXXX XXXX by failing to ensure that all documents were properly verified and authorized by XXXX XXXX. 

Aidvantage negligence directly caused XXXX XXXX financial and emotional damages. 

COUNT IV : VIOLATION OF FEDERAL LAWS Aidvantage violated federal statutes, including but not limited to the Truth in Lending Act ( TILA ) and the Fair Credit Reporting Act ( FCRA ), by submitting falsified loan documents under XXXX XXXX name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: AL

Complaint narrative:
I had a collection account added to my credit report by XXXX XXXX XXXX in the amount of {$730.00}. I had no knowledge of the account. The account is a XXXX account. They said it is valid and that is all they tell me. I am an active customer with XXXX and XXXX and they would not have given me credit if I owed them. Apparently it is for a cell phone that was sent to a friend of mine 's father 's address. Delivered by XXXX. Signed for by my ex friend XXXX XXXX who is now in XXXX XXXX XXXX awaiting the grand jury to indict on a slew of charges including identity theft because he used my information to get the sprint account and another account I am going to dispute here. They are trying to collect on an account I never had at an address I never lived at for a phone I never had.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had a collection account added to my credit report by XXXX XXXX XXXX in the amount of {$730.00}. I had no knowledge of the account. The account is a XXXX account. They said it is valid and that is all they tell me. I am an active customer with XXXX and XXXX and they would not have given me credit if I owed them. Apparently it is for a cell phone that was sent to a friend of mine 's father 's address. Delivered by XXXX. Signed for by my ex friend XXXX XXXX who is now in XXXX XXXX XXXX awaiting the grand jury to indict on a slew of charges including identity theft because he used my information to get the sprint account and another account I am going to dispute here. They are trying to collect on an account I never had at an address I never lived at for a phone I never had.

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 2025-02-03 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: TX

Complaint narrative:
Experian and XXXX have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX are currently reflected on my report and should be removed due to the negligence of Experian and 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 non-monetary relief
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , 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 the following fraudulent accounts and inquiries identified through my investigations and verified through FTC Identity Theft Complaints : Credit Card Account : Opened at XXXX - XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$4600.00}. 

Credit Card Account : Opened at XXXX  XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$0.00}. 

Credit Card Account : Opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$940.00}. 

Credit Card Account : Opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a total fraudulent amount of {$7000.00}. 

These fraudulent accounts have resulted in several related hard inquiries appearing on my consumer credit report. Attached to this complaint are : A list of hard inquiries related to these accounts A copy of my consumer credit report highlighting the fraudulent items FTC Identity Theft Criminal Complaint # XXXX as proof of identity theft and fraud I do not recognize any of the aforementioned accounts, collections, or hard inquiries. The accounts, collections, and hard inquiries appearing on my consumer credit report were not opened, made, or initiated by me. All of the items mentioned in this complaint are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Dear CFPB Team, I recently disputed the in accurate addresses on my Credit Report I have called and I have written to Transunion about the a non-mailable addresses. I want these addresses deleted I have no knowledge of these address. I have mailed a copy of my drivers License and social security card to this agency to confirm my identity. 

XXXX XXXX XXXX XXXXXXXX, TX XXXX NON-MAILABLE ( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX, TX XXXX NON-MAILABLE ( PLEASE DELETE ) I appreciate your immediate attention to this matter. Ensuring accurate reporting is vital to maintaining the integrity of consumer credit, and I trust that my concerns will be addressed with the seriousness they deserve. 

Thank you for your assistance.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX of XXXX XXXX XXXX XXXX  was opened fraudulently I found out later in early XXXX. I sent a letter to XXXX  XXXX XXXX  account was removed. In XXXX a dept collector name midland credit management inc, reopened account on my credit XXXX.I believe this is illegal in need it removed asap.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Account number XXXX This is not me

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 2025-02-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Account number XXXX This is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
I have reviewed my credit report, and I do not recall giving consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without my authorization is a violation of my rights, and I request that it be removed immediately. 
Please investigate this matter and provide confirmation of the removal of the inquiry from my credit report. If you need any further documentation or information to contact me. 

Please see attachments for additional details

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