vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2025-01-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-07 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: NC

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 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 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 2025-01-07 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: CT

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 2025-01-07 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: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX incorrectly Reported a {$500.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. A satisfactory payment was made to the original creditor.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: KY

Complaint narrative:
In XXXX of 2024, I was locked out of my XXXX account. I wasnt actively using it, so I didnt think anything of it until I checked my banking account which was CashApp ( XXXX XXXX  XXXX ). My CashApp card was on file for my XXXX account. 
The charges never showed up on my recent transactions. They were listed as XXXX XXXX XXXXpurchase which I believe is some type of college textbook rental program they have. It wasnt until I checked my actual monthly statements that I found out about it. The charges stopped when I disputed all of them and CashApp paid me for one of them, but denied the rest of them. They say I didnt verify my identity but I uploaded every form of identification I had ( drivers license, passport, birth certificate, and I even did the biometrics thing on my face, ) and they still said I didnt verify my identity. I did this at least 10 times that week and again, they say I didnt verify it. Then I get the results of my dispute saying they denied them because of this reason. The charges add up to well over {$500.00}. I still can not access my XXXX account and have since made a new one, nor will CashApp respond to me about my requests to dispute them another time. I am XXXX and have a hard time understanding banking information when I am under stress like this. The amounts, dates, and details about the transactions will be uploaded via the document uploader, but Im not sure if I caught all of the charges because of my XXXX. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-01-07 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Unauthorized inquiries showing on my credit report XXXX XXXX XX/XX/year> 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 2025-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX XXXX  XXXX XXXX Account XXXX XXXX Credit Card XX/XX/XXXX Capital One XXXX Secured Credit Card The Fair Credit Reporting Act ( FCRA ) and related laws establish clear responsibilities for consumer reporting agencies ( like XXXX and XXXX ) and financial institutions in handling consumer data. Key points include : 1. Consumer Privacy : Under 15 USC 1681 602 ( a ), consumer reporting agencies must respect privacy and act fairly and impartially. 
2. Consent Requirements : 15 USC 1681 604 ( a ) ( 2 ) specifies that consumer reports can only be furnished with the written consent of the consumer.

3. Data Sharing Restrictions : 15 USC 6801 and 6802 ( b ) ( c ) require financial institutions to protect nonpublic personal information and inform consumers of their right to opt-out of data sharing.

4. Limitations on Reporting : 15 USC 1681 1681c ( a ) ( 5 ) prohibits reporting adverse information older than seven years, except for criminal convictions.

5. Accuracy and Procedures : 15 USC 1681 1681s-2 and 1681e require that only accurate information is furnished and that agencies implement reasonable procedures to prevent unauthorized disclosures.

6. Opt-Out Rights : Under 12 CFR 1016.7, consumers can opt out of information sharing at any time.

The individual revokes any prior consent for sharing information with XXXX, XXXX, or other entities and asserts their right to opt-out of reporting services while highlighting alleged noncompliance with these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent account has been identified as a result of this breach : XXXX  XXXX BANKRUPTCY 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 2025-01-07 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: MI

Complaint narrative:
I am writing to formally dispute the accuracy and legality of a collection account appearing on my credit report. The account details are as follows : Company : XXXX XXXXXXXX XXXX Amount : {$1900.00} Opened : XX/XX/2024 This collection account is in violation of multiple federal consumer protection laws and the Fair Credit Reporting Act ( FCRA ). For the reasons outlined below, I am requesting that this account be immediately and permanently blocked and removed from all of my credit reports. 

Violations of Consumer and FCRA Laws Failure to Validate the Debt : Under XXXX XXXX XXXX ( Fair Debt Collection Practices Act ), the collection agency is required to validate the debt by providing evidence of its legitimacy, including a full accounting of the debt and proof of my obligation to pay. To date, XXXX XXXX XXXX has not provided any such validation. 

No Original Purchase Agreement Provided : The collection agency has failed to furnish the original purchase agreement between themselves and the original creditor, as required under federal and state laws. This lack of documentation invalidates their claim. 

No Proof of Licensing and Bonding in Michigan : XXXX XXXX XXXX has not provided proof of being licensed and bonded to collect debts in the state of Michigan, as required by state regulations. 

Failure to Notify and Provide Opportunity to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( Consumer Financial Protection Bureau regulations ), I must be notified of the debt and given an opportunity to dispute it before adverse actions are taken. This step was not followed. 

Violation of FCRA Reporting Standards : Credit bureaus are required under 15 USC 1681e ( b ) to ensure maximum possible accuracy of information. Reporting an account without proper validation and documentation fails to meet this standard. 

No Authority to Furnish Information : Under 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all required disclosures before reporting an account. XXXX XXXX XXXX has not demonstrated any authority to furnish this account.

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 2025-01-07 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Dear CFPB Representative, This is my final request regarding the removal of the inaccurate Fair Collections & Outsourcing ( FCO ) account ( # XXXX ) from my credit report. In CFPB complaint # XXXX, I notified FCO of several violations of my consumer rights under the FDCPA and FCRA. These violations included the failure to validate the debt, failure to provide proof of licensure to collect in Texas, and inaccurate reporting of payment history on a collection account, which is explicitly prohibited. I also included an invoice for damages caused by these violations. However, FCO failed to pay the invoice and responded only by claiming a " cease and desist, '' without addressing my request to remove the account due to its inaccurate reporting. 

Since that correspondence, the original creditor has confirmed that I am not listed as a primary owner of this account and could not validate the balance reported. This further demonstrates that the account is unverifiable and inaccurately reported. I am demanding the immediate removal of this account from my credit report. If this issue is not resolved promptly, I will be forced to pursue legal action. Your company and its owner XXXX XXXX has a pattern of unlawful debt collection practices including the settlement in which FCO was required to pay XXXX due to violations. This company is not credible, and I will use my consumer rights to fight this in court if this account is not removed 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 explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Nothing also there was a data breach and I was affected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: DC

Complaint narrative:
Nothing also there was a data breach and I was affected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: AL

Complaint narrative:
Dear CFPB, I am writing to formally dispute four unauthorized hard inquiries that appear on my credit report. The details of the inquiries are as follows : XXXX. XXXX XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX I did not authorize these inquiries, nor did I initiate any transactions or applications with the creditors listed. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

I kindly request that these inquiries be investigated and removed from my credit report as soon as possible. 

Please confirm receipt of this letter and provide me with a status update on your investigation within the timeframe specified by the FCRA. 

Thank you for 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 2025-01-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear CFPB, I am writing to formally dispute four unauthorized hard inquiries that appear on my credit report. The details of the inquiries are as follows : XXXX. XXXX XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX XXXX. XXXX  XXXX - Date of Inquiry : XXXX I did not authorize these inquiries, nor did I initiate any transactions or applications with the creditors listed. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. 

I kindly request that these inquiries be investigated and removed from my credit report as soon as possible. 

Please confirm receipt of this letter and provide me with a status update on your investigation within the timeframe specified by the FCRA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: 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, 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 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