vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Every time I do your dispute, the company doesn't do proper research.They say is verified, but I can not get the verified information to prove that the credit is mine or correct.

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 2025-01-30 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: LA

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for their continued failure to provide my credit report and investigate and correct inaccurate information on my credit report, in clear violation of the Fair Credit Reporting Act ( FCRA ). For the past five months, Equifax has persistently refused to provide my credit report and process my disputes by falsely claiming that they can not authenticate my identity, despite my repeated submissions of all necessary documentation.

I have provided Equifax with the following forms of identification multiple times : Government-issued ID Social Security Card Bank Statement showing my current address Formal Dispute Letter detailing the inaccuracies on my credit report Despite these submissions, Equifax continues to reject my dispute, using the same baseless claim that they can not verify my identity. This is clearly an attempt to circumvent their legal obligations under the FCRA, which requires them to conduct a reasonable investigation and ensure 100 % maximum possible accuracy of the information they report.

Equifaxs failure to process my dispute is causing ongoing harm, as they are knowingly reporting inaccurate information and obstructing my right to dispute and correct these errors. Their refusal to investigate, coupled with the false claim that they can not authenticate my identity despite having ample documentation, constitutes willful noncompliance under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that consumer reporting agencies investigate disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NY

Complaint narrative:
These accounts were not opened or approved by me, and it is unfair for me to be blamed for them. I ask for prompt action to address this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
To Amsher Collection Services, This letter serves as a formal dispute and demand for debt validation regarding the account you have reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to provide proper validation of any debt you are attempting to collect or report. 

DEMAND FOR PROOF OF DEBT OWNERSHIP You are a third-party debt collector with no permissible purpose to collect or report this debt unless you can prove legal ownership or an assignment contract from the original creditor ( XXXX ). To ensure compliance with federal law, I demand the following : 1. Proof of Debt Ownership Provide a legally binding debt assignment contract proving that you own or have the legal right to collect on this debt.

2. Original Signed Contract Provide a copy of the original contract bearing my signature, demonstrating that I agreed to this alleged debt and its transfer.

3. Itemized Statement of Charges Provide a full breakdown of how the alleged balance was calculated, including interest, fees, and payment history from the original creditor.

4. Proof of Securitization Status If this debt has been securitized or sold, you are attempting to collect on an unlawfully transferred debt that you do not legally own.

5. Permissible Purpose to Report Provide documentation proving that you have a legal right to report this debt under 15 U.S.C. 1681b. 

NOTICE OF FCRA & FDCPA VIOLATIONS If you fail to provide proper debt validation, you are in direct violation of : 15 U.S.C. 1692g ( b ) Failure to provide verification or cease collection activity.

15 U.S.C. 1681b ( f ) Unlawful reporting of information without a valid permissible purpose.

15 U.S.C. 1692e ( 8 ) Illegal reporting of false credit information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX ( NFCU ) for knowingly and willfully violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX has illegally reported a charge-off multiple times on my credit report from XX/XX/year> through XX/XX/year>. 

A debt can only be charged off once, not repeatedly each month. XXXX multiple charge-off entries are inaccurate, misleading, and unlawful, causing undue harm to my credit profile. 

FCRA Violations Committed by XXXX XXXX XXXX XXXX : 1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Credit furnishers must report accurate information. A charge-off can only occur once, and XXXX  repeated reporting is false and misleading.

2. Violation of 15 U.S.C. 1681s-2 ( b ) : Despite this clear reporting error, XXXX has failed to correct the inaccuracies, further damaging my creditworthiness.

3. Violation of 15 U.S.C. 1681n & 1681o : XXXX  misreporting has harmed my ability to obtain credit, housing, and financial stability, warranting legal action.

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 2025-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
National credit system , INC is trying to collect debt on behalf of XXXX XXXX XXXX  property manager XXXX, first thing this collection was sent before i received a letter from the property manger ; when i received the letter i reach Out to the property manger, she did not provide me with any paperwork or proofs as to whether the amount owed was correct ; and where it states in the lease that i had To pay for blinds that i had For almost years ; i stated To her that is wear is wear in tear and the Counter tops were damaged when i moved In, and i put in work orders and this was never done.

However i over paid my rent XXXX and put a deposit down that amount was keep and my deposit. The statement is showing lots of things that was wrong with the apartment that was this way upon moving in and inspections, this debt collector is acting as if these things are things i am Responsible for as a renter. The things in this letter are things the landlord is responsible for.

The conditions of the apartment are due to landlord not keeping up with the property or the apartments just the grass, there was multiple times i have To get a inspector to come out and make the landlord complete repairs. There were mice at the apartment and this issue was never resolved properly.

This property is known for having mice, & the only thing they do is cut the grass frequently, nothing to prevent or upkeep the apartments. However i wasnt giving validation of debt nor accountability for where my money went, which was a issue with this property as well, was over charged for water bill, multiple times, i feel there is my money still owed to me from this property and my water bill and rent payment history needs to be looked into.

This debt is not valid nor truth, this was written by the property manager no proof or evidence whatsoever. This is not the first apartment i have Lived in blinds replacement and carpet replacement is what ever landlord does to every apartment and no one else was charged for this, i deep Cleaned this apartment and left it and better condition than when i moved in, it was dirty among many other issues, the property manger is looking for ways to keep my over payment of XXXX or more, and keep my deposit while charging me more money. XXXX XXXX has done fraudulent things and this debt is fraud, not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Inaccuracy of Reporting** : The primary reason for my dispute is that multiple charge-offs for the same debt are inaccurate. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate information. Once an account is charged off, it can not be charged off again for the same debt.

2. **Violation of the Fair Credit Reporting Act** : Under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, creditors must provide accurate information to credit reporting agencies. Reporting multiple charge-offs for the same debt misrepresents my credit history and can unfairly impact my credit score

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 2025-01-30 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am filing this complaint due to negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by both Experian and Equifax regarding inaccurate late payments and collection accounts on my credit report. 

On XX/XX/year>, I submitted formal disputes to both credit bureaus requesting a reinvestigation of inaccurate, unverifiable, and outdated negative items under 15 U.S.C. 1681i ( a ). Despite providing supporting documentation and requesting proper validation, both companies failed to conduct a reasonable reinvestigation as required by law.

The inaccurate items remained on my report without proper verification or correction, and I was not provided with any valid proof that the disputed accounts were accurately reported.

I have taken multiple actions, including : Submitting disputes in writing with supporting documentation Following up with both XXXX and Equifax for a status update Requesting a clear explanation of their verification process Asking for proof of accuracy, which was not provided Despite my efforts, the credit bureaus have continued reporting inaccurate late payments and collections, which have negatively impacted my credit score and financial opportunities. Their failure to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) and failure to properly reinvestigate my disputes ( 15 U.S.C. 1681i ( a ) ) constitute negligent violations of the FCRA under 15 U.S.C. 1681o.

Resolution Sought I request that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX and Equifaxs noncompliance and require them to : 1. Immediately delete or correct all inaccurate, unverifiable, and outdated late payments and collection accounts 2. Provide documented proof that these accounts were properly investigated and verified 3. Ensure future compliance with FCRA regulations to prevent continued harm If XXXX and Equifax fail to comply, I am prepared to escalate this matter further through legal action for damages under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-30 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: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX  breach, which occurred in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being. Please see my attached FTC Identity Theft Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-01-30 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-01-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: WI

Complaint narrative:
XX/XX/year> my account was hacked from Cash app via several people I immediately locked my account but they had already figured out a back door using Cash app to my Navy Federal account where they were they stole {$9600.00} from me end up costing me {$12000.00} in total in fees from my credit union. I have tried to talk to Cash app and my credit union about this matter for an entire year back-and-forth with letters to my credit union and eight complaints to cash app. Finally cash app said they were not going to pay me back my funds that they are allowed to be hacked from me.they had to replace my card # they admitted that the hack happened and just changed my card #

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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:
Im writing to report that my personal information has been stolen and used fraudulently to open accounts in my name. i discovered this issue on XX/XX/XXXX when i was checking my credit reports through notification from a creditor. Name of the financial institution or company showing on my credit report is XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I Did not authorize the opening of these accounts, and i am concerned about the impact on my credit and personal finances. I am requesting assistance in investigating this matter and preventing further fraudulent use of my information.

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