vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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:
I hope this message finds you well. I am writing to formally dispute the existence of an account associated with my personal information that I believe has been created without my consent. 

Account Details : XXXX XXXX Date opened : XXXX XXXX I am concerned that this account may involve fraudulent activity and does not accurately represent my identity. As such, I kindly request that your team conduct a thorough investigation into this matter and take the necessary steps to remove my information from the unauthorized 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 2025-03-12 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the existence of an account associated with my personal information that I believe has been created without my consent. 

Account Details : XXXX XXXX Date opened : XXXX XXXX I am concerned that this account may involve fraudulent activity and does not accurately represent my identity. As such, I kindly request that your team conduct a thorough investigation into this matter and take the necessary steps to remove my information from the unauthorized 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 2025-03-12 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: FL

Complaint narrative:
I hope this message finds you well. I am writing to formally dispute the existence of an account associated with my personal information that I believe has been created without my consent. 

Account Details : XXXX XXXX Date opened : XXXX XXXX I am concerned that this account may involve fraudulent activity and does not accurately represent my identity. As such, I kindly request that your team conduct a thorough investigation into this matter and take the necessary steps to remove my information from the unauthorized account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IN

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-12 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: MA

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report, this is my second time requesting deletions of incorrect and illegal items on my report without success. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. XXXX XXXX ( open date : XX/XX/XXXX ) XXXX  XXXX XXXX ( open XXXX ) XXXX XXXX  XXXX ( open date : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( open date : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( open date : XX/XX/XXXX ) i want these illegal accounts removed in 24hours

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 2025-03-12 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: PA

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Inaccurate Collection Account : Company Name : XXXX XXXX - Account # : XXXX - Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
" SPServicing Regarding : XXXX XXXX Date : XXXX XXXX Account # is XXXX '' " To whom it concerns : I would like to request an audit on my mortgage account. I was informed when you assumed my mortgage loan in XXXX of XXXX my payments will remain the same. Your letter, dated XX/XX/year> Notice of Servicing Transfer states nothing will change on my mortgage account. 
I believe there may have been discrepancies in the payment terms that were communicated to me. It is important for me to understand the details of my mortgage agreement and ensure that everything is in order. '' " I spoke with XXXX XXXX XXXX, and they informed me of no changes. My yearly payment is {$3900.00}. '' " I spoke with XXXX XXXX regarding my taxes, and they also informed me of no changes. My yearly payment is {$7000.00} '' " On XXXX  statement dated XX/XX/year> YTD for Insurance was paid in full for 2024. 
On the same statement, taxes have been paid up to {$3500.00}. With an additional 4 months for the year, {$900.00} was still taken out of account, which would equal {$3600.00} '' " Add {$3500.00} + {$3600.00} = {$7100.00}. Which means I overpaid by {$98.00}. '' " I see you want to increase my escrow account by {$13.00}, which is fine. This would equal {$910.00} x 12 months = {$11000.00}. This would equal the total amount due for '' " {$2200.00} not {$2600.00} '' " Escrow Account. Monthly payments should be. '' " I have applied for an assistant from your company and have been in your hands for many weeks. '' " I will send {$2200.00} for my XXXX payment. Looking forward to speaking to someone who can do something about this. '' " XXXX XXXX XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence. 

Company Name XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Please se attached documents. XXXX XXXX XXXX sent me a letter on XX/XX/XXXX of what they show for a debt owed and I have proof ( attached money order receipts ) rent was paid for XXXX and XX/XX/XXXX ( actually overpaid for XX/XX/XXXX ) and this was never a collection as I have never owed this company any money. I responded to him with proof of paid rent and this company is continuing to keep this collection and all three major credit reporting agencies. This is an invalid debt and needs to be removed from all major credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: NH

Complaint narrative:
XXXX XXXX has failed to delete all fraudulent accounts within the required four-day period under FCRA 605B . I request that the CFPB obtain the names and addresses of the individuals contacted to verify these fraudulent accounts. Additionally, I ask that the CFPB demand the Method of Verification, pursuant to FCRA 611 ( 15 U.S.C. 1681i ). 

Attached are my complaint and complaint number related to a previous dispute that XXXX XXXX failed to investigate. Instead of conducting a proper investigation, I received what appears to be an automated response. To assist the CFPB in its investigation, I have also attached my ID, FTC Fraud Affidavit, Social Security card, and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-03-12 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: GA

Complaint narrative:
I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include XXXX unauthorized XXXX Department of Education accounts, XXXX auto loans fraudulently opened with XXXX and XXXX  XXXX XXXX, and XXXX hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent. 

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-12 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX  - Balance {$20000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-03-12 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OneMain Finance Corporation
State: IL

Complaint narrative:
Subject : Fraudulent Account Dispute Dear ONEMAIN, I hope this letter finds you well. I am writing to dispute an account associated with my name that I believe was opened fraudulently without my authorization. I have identified a fraudulent account on my [ credit card/bank statement/other relevant document ], which I believe was opened by an unauthorized party. 

Account Details : Account Number : XXXX Date opened : : XX/XX/year> Amount involved : {$6000.00} I did not open this account nor authorize any of the associated transactions. I request that you investigate this matter promptly and take the necessary actions to close the account and remove any negative marks from my credit or records. 

Additionally, I ask that you provide me with any details or documentation related to the opening of this account, including IP addresses, phone numbers, or any other identifying information that could assist in the investigation. 

For your reference, I have attached the following documents to support my claim :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I hope this message finds you well. I am writing to formally dispute the existence of an account associated with my personal information that I believe has been created without my consent. 

Account Details : XXXXXXXX XXXX Date opened : XXXX XXXX I am concerned that this account may involve fraudulent activity and does not accurately represent my identity. As such, I kindly request that your team conduct a thorough investigation into this matter and take the necessary steps to remove my information from the unauthorized 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