vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve these matter, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Recovery One, LLC
State: OH

Complaint narrative:
My information has been compromised due to the data breach I have had my credit reporting information on my report with many discrepancies and now sending this to cfpb to resolve these discrepancies I have the right to have accuracy on my report and this data breach has long given me problems for allowing these things to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
My information has been compromised due to the data breach I have had my credit reporting information on my report with many discrepancies and now sending this to cfpb to resolve these discrepancies I have the right to have accuracy on my report and this data breach has long given me problems for allowing these things to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 proce 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX Bankruptcy

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 2025-02-01 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:
15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTIS.

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 2025-02-01 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: MA

Complaint narrative:
I am writing to notify you of fair credit reporting act ( FCRA ) violations on my credit report and to request the immediate correction of this error. I identified the following status of this account : XXXX XXXX Auto Account Number ; XXXX Under the federal law 15 U.S.C 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: MA

Complaint narrative:
I am writing to notify you of fair credit reporting act ( FCRA ) violations on my credit report and to request the immediate correction of this error. I identified the following status of this account : XXXX XXXX Auto Account Number ; XXXX Under the federal law 15 U.S.C 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.

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 2025-02-01 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: OH

Complaint narrative:
Requested 1099 C company has not sent If charged off its wriiten off as a complete loss If I receive 1099 C it should go on my personal income and not my credit report .It also should show a XXXX balance since written off as a complete loss

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 2025-02-01 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: PA

Complaint narrative:
I have reach out to XXXX XXXX XXXX several times to found out who is the original debt collector and why after 9 years do they keep falsify the age of this debt. in the amount of {$990.00} spoke to the in 2018 on removal of this debt.

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 2025-02-01 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: PA

Complaint narrative:
I have reach out to XXXX XXXX XXXX several times to found out who is the original debt collector and why after 9 years do they keep falsify the age of this debt. in the amount of {$990.00} spoke to the in 2018 on removal of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a separate fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a auto loan The account have a fraudulent account appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agency Experian Consumer name : XXXX XXXX Consumer Social Security Number : XXXXConsumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a credit card XXXX XXXX XXXX  {$300.00} opened XXXX, also inquiries XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.The account have resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached a a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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 of the aforementioned consumer auto loan are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the account identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
Transfer of XXXX dollars went through without my authorization, I chat with the chat box an then my account was closed and they say violation of the policy which they never say which XXXX or specific to the violation and never addressed my complaint plaint about missing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: Avant Holding Company, Inc.
State: CO

Complaint narrative:
Subject : Dispute Regarding Noncompliance and Civil Negligence Under 15 U.S. Code 1681o To Whom It May Concern, I am writing to formally dispute the inaccurate credit reporting by XXXX that has severely impacted my credit profile. I have previously reached out to the reporting companies directly and disputed these inaccuracies with all XXXX  major credit bureaus. While XXXX and XXXX have already corrected the errors, XXXX has not taken appropriate corrective action. 

Under 15 U.S. Code 1681o, entities that negligently fail to comply with the Fair Credit Reporting Act ( FCRA ) are liable for actual damages, legal costs, and attorneys fees. It appears that XXXX has failed to uphold its obligations by continuing to report inaccurate information, which has led to significant harm to me. 

As a result of this negligence, my credit score has severely decreased, despite my lifelong efforts to maintain a strong credit standing. This has caused me considerable financial hardship, including difficulties in accessing credit.

Given the severity of this matter, I am seeking an immediate resolution. Specifically, I request : 1. The removal of each inaccurate item from my credit profile as reported by XXXX. 
2. Written confirmation that these inaccuracies have been fully addressed and corrected. 

If this matter is not resolved promptly, I will consider further legal action, including seeking damages as permitted under 15 U.S. Code 1681o. Please consider this letter a formal notice of XXXX failure to comply with federal law and a demand for immediate corrective action. 

I expect a response within XXXX  days as required by law. If you need further details, please contact me at the information provided above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXXXXXX {$540.00} This collection is the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: TN

Complaint narrative:
Please remove the following inquiries from my credit report they are fraudulent. See Attached FTC Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/year> XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/year> XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/year> XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, TN XXXX Date of inquiry 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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit agency violated the fair credit reporting act 663, Credit agency continues to put incorrect information and reporting incorrect items on my credit report. As stating any inaccuracy on the file to be removed. Credit agency continues to violate this as I have an open ongoing identity theft on my file. I have Credit agency credit freeze credit to lock creditors from reporting back onto my file. They are failing to block creditors from reappearing on my credit file. 
Identity theft case going on still

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 2025-02-01 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: MA

Complaint narrative:
I am writing to formally request an investigation and validation of the information reported on my credit file regarding the following account : Creditor : XXXX XXXX Account Number : Ending in XXXX Upon reviewing my credit reports from your bureau and other agencies, I have noticed significant discrepancies regarding this account. XXXX reports the account as " Late XXXX Days '' as of XX/XX/year>, while Equifax has classified the same account as " Derogatory '' and flagged it as a " Collection/Charge-off '' with differing dates. 
These inconsistencies clearly indicate that the information being reported is incorrect and may violate the Fair Credit Reporting Act ( FCRA ), which mandates that credit information be accurate, complete, and verifiable. 
I request the following actions from your bureau : 1. Validation : Provide verification and documentation supporting the accuracy of this account 's information as reported by Digital EFCU.

2. Correction or Deletion : If you are unable to validate the reported information within the legally mandated period, I demand the immediate deletion of this account from my credit report. 
Please complete your investigation within XXXX days of receipt of this letter, as required by federal law, and provide written confirmation of your findings and any actions taken. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my file has been updated appropriately. 
Attached : XXXX, XXXX, proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am writing to formally dispute and request immediate cessation of all reporting regarding the alleged debt on my credit report under account number XXXX. I have recently discovered this item on my credit files with XXXX, XXXX, and XXXX, which I believe to be inaccurately reported and unsubstantiated. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of this debt ( 15 USC 1692g Sec. 809 ( b ) ). Please note that I have never received any communication from your agency that informs me of this debt, nor have I been given any opportunity to dispute or verify its validity as required by law.

Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ), any entity that reports information to the credit bureaus must ensure that the information is accurate, complete, and verified. Since I was never notified about this debt before it was reported to the credit bureaus, it violates my rights under the FCRA for failing to provide adequate notice before reporting negative information ( 15 USC 1681s-2 ( a ) ). 

Please be aware that the Consumer Financial Protection Bureau ( CFPB ) has established clear guidelines to protect consumers from such unfair and deceptive practices. Failure to comply with these laws not only undermines consumer trust but also exposes your agency to potential legal challenges. 

Therefore, I request the following actions be taken immediately : Provide me with comprehensive validation of the debt, including the original creditors name, the amount of the debt, and any agreement that authorizes your agency to collect this debt. 
Cease reporting this unverified debt to all three credit bureaus until complete validation is provided and accuracy is confirmed. 
If the debt can not be fully validated, I request that it be removed from my credit report with all three bureaus, and I receive a written confirmation of the same. 
If I do not receive a satisfactory response from your office within 30 days of the receipt of this letter, I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau and consider further legal action to protect my rights. 

Please ensure that all correspondence be sent by mail to the address listed above. 

Thank you for your immediate attention to this serious matter. I expect your prompt response confirming that these actions have been taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation