vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Equifax Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX Fraudulent Inquiries to Be Removed : XXXX XXXXL - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Equifax to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Equifax to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS AND INQUIRIES PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Equifax Dispute Department , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the Equifax data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : XXXXXXXX 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX Fraudulent Inquiries to Be Removed : XXXX XXXXL - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> Supporting Documentation Enclosed : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the Equifax data breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Equifax to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Equifax to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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 2025-02-19 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: TX

Complaint narrative:
Description of What Happened with Experian I am filing this complaint because Experian has failed to remove inaccurate and fraudulent information from my credit report despite my dispute. 

I was a victim of the XXXX data breach, where my personal and financial information was compromised and exposed to unauthorized parties. As a result, fraudulent accounts, unauthorized hard inquiries, and inaccurate negative marks have appeared on my Experian credit report. 

Despite submitting a dispute, Experian has not properly investigated or removed these items, which continue to damage my credit profile. They are violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), which requires them to ensure that all reported information is accurate and verifiable. 

How Experian Violated My Rights XXXX. Failure to remove fraudulent accounts and inquiries These items appeared after my data was compromised in the XXXX breach and are not authorized by me. 


2. Lack of proper verification Experian has continued reporting these items without providing legally valid proof that they belong to me.

3. Negligence in handling disputes Despite my dispute, Experian has failed to take appropriate action and remove inaccurate information.

4. Continued reporting of unverifiable and fraudulent data Under 15 U.S.C. 1681i, if Experian can not verify the accuracy of these accounts and inquiries, they must be deleted immediately. 



What I Am Requesting I am formally requesting : The immediate removal of all fraudulent and inaccurate accounts and inquiries. 
A full reinvestigation, including documented proof of verification for any disputed items. 
A written explanation for why Experian has continued reporting inaccurate data despite my dispute. 
A corrected credit report reflecting the removal of all fraudulent items. 

If Experian fails to act, I will escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for non-compliance with federal law. 

I expect a prompt response and full resolution within 30 days, as required under the FCRA.

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 2025-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am requesting verification regarding a debt that was charged off by affirm inc . According to IRS guidelines, creditors must issue a 1099-C form for canceled debts over {$600.00}, yet I have never received one for this account. I have made multiple attempts to obtain this form directly from Affirm Inc but have not received a response or the necessary documentation. Without it, I can not properly address potential tax implications or confirm whether the debt was officially forgiven. Additionally, if this debt was reported as income, it should no longer be classified as a charge-off, as income can not be considered debt. Therefore, I request that this charge-off be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the inaccurate reporting of multiple late payments by these creditors to Equifax. Their records falsely reflect late payments that were, in fact, made on time. Despite my efforts to maintain a responsible payment history, these incorrect marks remain on my credit report, unfairly damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I got an alert from XXXX XXXX that two capital one cards were opened under my name. I did let them know previously there was a credit report not alert not authorize by me. I told the capital one representative that I did not open any cards and I am reporting this as fraud. Someone is using my identity. They verified that information in there system is not my information. Representative told direct me to call capital one fraud department which I did. 
Representative advice me to call XXXX, XXXX  and XXXX and report this fraud. 
I called and file a dispute for each one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-20 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: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( o ) Civil Liability for Negligence and 15 U.S.C. 1681 ( n ) Civil Liability for Willful Noncompliance.

Upon reviewing my credit report, I discovered that Experian has reported inaccurate and/or unverifiable information, despite my previous attempts to dispute the matter directly with them. The following incorrect information remains on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Unverified Account Creditor Name XXXX XXXX Account Number:XXXX Nature of Dispute : Unverified Account Creditor Name : XXXX XXXX Account Number:XXXX Nature of Dispute : Unverified Account Under the FCRA, consumer reporting agencies and furnishers of information are required to maintain accurate credit reports and conduct reasonable investigations when consumers dispute inaccuracies. However, Experian has failed to comply with these legal requirements by failing to investigate, failing to provide verification, refusing to remove inaccurate information. 

This negligence and noncompliance have caused financial harm, including but not limited to loan denials, increased interest rates, emotional distress. 

I am requesting the CFPB to conduct an investigation into this matter and ensure that Experian complies with federal law by correcting or removing the inaccurate information from my credit report. Additionally, I seek confirmation of any enforcement actions taken against the responsible party. 

I have attached supporting documentation, including copies of my credit report, previous dispute letters, and any responses received from Experian for your review. 

I appreciate your immediate attention to this matter and look forward to your response. Please contact me at your earliest convenience to confirm receipt of this complaint and provide updates on the investigation. 

Sincerely, XXXX 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 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically Cash App fails to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These action caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Resurgent Capital Services and their affiliates, Pinnacle Credit Services, and XXXX XXXX are sending me collection letters for debts that have paid in full or charged off 20+ years ago. I have responded to each collection letter via certified mail but they then send another letter with another debt they " Discovered ''. As of today, they have sent me 5 letters. I believe they are Zombie Debt Collectors attempting to extort money from me under the threat of garnishment of income. Their actions have a negative impact on credit reporting, insinuating that I am unwilling to repay debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit data was leaked in the Equifax breach and my information was not investigated properly by XXXX or XXXX. I disputed inaccurate information on my credit report. I request they remove all items listed in dispute letter attached and send documentation of methods used to verify the disputed information. And remove all old addresses and update address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
I called Collection Credit svcs and advised I am unaware of this debt I did not have an opportunity to dispute this information if in fact. I stated if they believed they gave me proper notification, please send me a certified receipt with my signature on it stating I received it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: CA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Good afternoon, We fallen behind on our mortgage payments and recently applied for a loan modification or any type of aid to bring our account current. We were denied due to we have equity in the home. Recently our loan was transferred to another lender and the new lender will not approve a loan modification or an affordable repayment plan. We bought this property back in XXXX and we have lived there for 20 years and the majority of our time in this property our property has been in negative equity due to the fallen back in XXXX. We never let go of the property and now that we encounter some health issues ( XXXX ), lost of job, XXXX set backs and just increase of our bills we fallen behind. We are asking to help us and that once we can bring our account current we can continue making the payments on time. We just need help right now. This property like that mentioned is more than that for us, is a safe home for my family and furry friends. We have loss so much money on this property to maintain and keep it. While a lot of people were given up their homes back in XXXX - XXXX we decided to just keep paying and keep the home. We have fought so much for this property to end at the end by loosing due to foreclosure or because the Lender was not willing to help us. Through all the recent challenges we have faced, we are now seeing the light at the end of the tunnel and want to keep our home and safe it. We can pay the home moving forward. Please help 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 2025-02-20 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:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and 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