vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX account number XXXX, also reporting as XXXX XXXX account number XXXXThis is the account they fraudulently changed in XXXX of XXXX to XXXXas if this was a new account, when this account is over 8 years old fraudulent making it look like its a new account that has just been put in collections after 8 years. I have filed dispute after dispute. I am not getting any information as to why this old account is still being reported on my credit report under a different account number that i have no knowledge of. This account was opened XX/XX/XXXX. They are reporting that the last payment received was on XX/XX/XXXX and the law states that they have to remove any account thats older than 7 years old or from the last payment thats older than 7 years old. They are also reporting that the account was closed on XX/XX/XXXX. XXXX XXXX XXXX XXXX account number XXXX. They changed it to XXXXas if this was a new account under XXXX XXXX which is the exact same account changing the account number to make it look like a new account going in collection.

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 2024-12-30 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 wrote a letter to the credit bureaus asking for the removal of these accounts because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high because they were reporting inaccurate information. To my knowledge I do not know that by law the bureaus are supposed to report high accurate information, and they did not. The account is inaccurate, they never showed me how they verified these accounts nor how they updated these accounts, they did not disclose their method of verification nor a contract bearing my signature as requested. These accounts are affecting my credit report and me trying to get a house, car, and other loans. Please remove them immediately. They had up to 30 days to provide me with the method of verification and a contract or any proof that these accounts are mine. I received neither. Please remove them. 

Equifax Accounts XXXX. XXXX XXXX  XXXX Account Number : XXXX Amount {$300.00} XXXX. XXXX  XXXX Account Number : XXXX XXXX {$230.00} XXXX. XXXX Account XXXX : XXXX XXXX {$40.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3400.00} XXXX. XXXX Account XXXX : XXXX XXXX {$2300.00} XXXX. XXXX Account XXXX : XXXX XXXX {$3500.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$2300.00} XXXX. XXXX Account : XXXX XXXX {$7600.00} XXXX. XXXX Account : XXXX XXXX : {$10000.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$6200.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3500.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3600.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$7900.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$7300.00} XXXX. XXXX Account XXXX : XXXX XXXX : {$3600.00} XXXX. XXXX XXXX Account XXXX : XXXX Amount : {$270.00} This agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed, they have to pay me or delete these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-30 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX. Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-12-30 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: SC

Complaint narrative:
I am writing to formally express my outrage and frustration regarding the Equifax data breach, which resulted in the unauthorized exposure of my personal information. This massive security failure is not just an inconvenienceit is a clear violation of my privacy and rights as a consumer. Equifax 's gross negligence has directly affected me, and the lack of meaningful action in the aftermath only adds insult to injury. 

I am appalled by the inadequate response from Equifax to this data breach, as well as the lack of sufficient accountability from the Consumer Financial Protection Bureau in holding Equifax accountable. Despite the severity of this breach, it appears there has been little real action to protect the consumers whose sensitive data was compromised, including myself. 

To date, I have not seen any effective measures taken by the CFPB to ensure that Equifax is properly addressing this situation, nor have I seen any evidence of significant oversight or consequence for the companys egregious failure to protect my data. The fact that my financial and personal information was allowed to be exposed is a violation of my fundamental right to privacy, and it is absolutely unacceptable that it has not been rectified to my satisfaction. 

I demand immediate action from the CFPB, including but not limited to : A detailed update on the status of the CFPBs investigation into this breach and its enforcement actions against Equifax.

Clear steps being taken to prevent such breaches from happening again, not only with Equifax but across the industry. 
Immediate financial remediation or compensation for those impacted by the breach, including but not limited to credit monitoring, identity theft protection, and legal remedies. 
Transparent information about how my personal data has been misused or accessed and what measures Equifax has taken to mitigate further harm. 
This situation is a clear case of corporate failure, and I am deeply disappointed in the CFPBs current lack of effective response. I expect swift and decisive action to address this violation of my rights. If no satisfactory resolution is reached, I will not hesitate to take further action, including but not limited to pursuing legal avenues and taking this matter to public forums to hold both Equifax and the CFPB accountable. 

I trust that you will take this matter seriously and act swiftly to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: SC

Complaint narrative:
I am writing to formally express my outrage and frustration regarding the XXXX data breach, which resulted in the unauthorized exposure of my personal information. This massive security failure is not just an inconvenienceit is a clear violation of my privacy and rights as a consumer. XXXX 's gross negligence has directly affected me, and the lack of meaningful action in the aftermath only adds insult to injury. 

I am appalled by the inadequate response from XXXX to this data breach, as well as the lack of sufficient accountability from the Consumer Financial Protection Bureau in holding XXXX accountable. Despite the severity of this breach, it appears there has been little real action to protect the consumers whose sensitive data was compromised, including myself. 

To date, I have not seen any effective measures taken by the CFPB to ensure that XXXX is properly addressing this situation, nor have I seen any evidence of significant oversight or consequence for the companys egregious failure to protect my data. The fact that my financial and personal information was allowed to be exposed is a violation of my fundamental right to privacy, and it is absolutely unacceptable that it has not been rectified to my satisfaction. 

I demand immediate action from the CFPB, including but not limited to : A detailed update on the status of the CFPBs investigation into this breach and its enforcement actions against XXXX. 
Clear steps being taken to prevent such breaches from happening again, not only with XXXX but across the industry. 
Immediate financial remediation or compensation for those impacted by the breach, including but not limited to credit monitoring, identity theft protection, and legal remedies. 
Transparent information about how my personal data has been misused or accessed and what measures XXXX has taken to mitigate further harm. 
This situation is a clear case of corporate failure, and I am deeply disappointed in the CFPBs current lack of effective response. I expect swift and decisive action to address this violation of my rights. If no satisfactory resolution is reached, I will not hesitate to take further action, including but not limited to pursuing legal avenues and taking this matter to public forums to hold both XXXX and the CFPB accountable. 

I trust that you will take this matter seriously and act swiftly to resolve it.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting for TransUnion to block or delete the two accounts from XXXX XXXX. I've submitted the Federal Trade Commission Identity Theft Report and Police Report. The submission of all pertinent documents describing and detailing the occurrence of fraud should expeditiously clear all fraudulent accounts. Thank 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 explanation
Consumer complaint received 2024-12-29 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: AR

Complaint narrative:
I NOTIED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
I reviewed a copy of my credit report and noticed a collection that I have no knowledge of this is a fraudulent account and I am a victim of the XXXX data breach please delete those fraudulent account per section 605b and 15 usc 1681 c2 please block or delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I dont have capital one XXXX XXXX XXXX XXXX and american XXXX XXXX never opened thoes cards i dont want to effect my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. No Way That Account Should Be On My Credit Report. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
Hello, in order to facilitate receiving customer funds, I registered an account on the SQUARE platform. On XX/XX/year>, my client paid {$1900.00} to my SQUARE account. When I wanted to withdraw the money, I found that the balance was frozen and has been frozen so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
Delete inaccurate information from my credit report, remove collections that's reporting inaccurate information on my credit report file XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
since 2004 i have gotten several loans from heights finance corporation at the XXXX office and the XXXX office. throughout the loan they would call and say would you like to pay interest only on the loan. i did this dozens of times over the course of the 20 years. i found out through Consumer XXXXinancial Protection Bureau that this is called churning and cfpb has sues several companies for this. i would like cfpb to proceed to sue heights finance of XXXX and XXXX for this type of churning they did on me. CURRENT ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified.

I am complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report by Bull City Financial, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent account had been opened in my name without my knowledge or consent. However, there is no legal admissible evidence to verify the accuracy of what Bull City Financial. This debt collection agency is reporting {$1800.00} on my credit files, which is frivolous, and the debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Bull City Financial, in direct violation of the FCRA. I have discovered that the Bull City Financial fraudulent account. I need proof of a wet signature of an application w/ Bull City Financial and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. Bull City Financial accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the XXXX data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of XXXX confirming my information was compromised and I kindly request the blocking of the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My Current Address is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX Additionally XXXX I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/year> FTC to report identity theft XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: LA

Complaint narrative:
The debt is not mines and I don't have knowledge of this account. The account is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA

Company response to consumer: Closed with explanation