vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Experian, I am writing to formally dispute certain inaccuracies on my credit report as provided by Experian. I have reviewed my credit report and identified the following entries that I believe to be incorrect : XXXX. XXXX XXXX XXXX XXXX No knowledge of Account XXXX. XXXX XXXX XXXX XXXX No knowledge of Account XXXX. XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The law requires you to conduct a reasonable investigation into my claims and ensure that my credit report is accurate. 

In the case of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that consumer reporting agencies must conduct a reasonable investigation once a dispute is made. I trust that you will adhere to this standard. 

I kindly ask you to review this information and conduct a thorough investigation. 

In addition, if you find that the information is indeed inaccurate, please ensure that it is corrected or deleted from my credit report, as required by law. 

Please notify me of the outcome of your investigation within 30 days, as mandated by the FCRA. I appreciate your prompt attention to this matter and look forward to your reply. 

Thank you for your assistance. 

Sincerely, 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 explanation
Consumer complaint received 2025-01-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 An Collection Opened at XX/XX/XXXXXX/XX/XXXX Account number ( XXXX ) opened at XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX Account number ( XXXX ) Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an car loan Opened at XXXX XXXX XXXX XX/XX/XXXX Account number ( XXXX ) at XXXX XXXX XXXX XX/XX/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 ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued by the obligor.

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 2025-01-22 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: IL

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued by the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PA

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 inquires 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 and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: IL

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 2025-01-22 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: HI

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX I have recently reviewed my credit reports from all three bureaus, and I have found discrepancies in the information reported. Specifically, the following items do not match across the bureaus : Listed above. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate information in my credit report, and the credit bureaus are obligated to conduct a reasonable investigation into my claims. I have already initiated disputes with each of the bureaus ; however, the discrepancies remain unresolved, and the inaccurate information continues to affect my creditworthiness. 

I kindly request that your office investigate this matter to ensure the accuracy of the information reported by these credit bureaus. I believe that the continued reporting of inaccurate information is not only detrimental to my credit score but also violates my rights under the FCRA. 

Please find attached copies of my credit reports from each bureau, highlighting the discrepancies mentioned above, as well as any relevant correspondence I have had with the credit bureaus regarding these disputes. 

I appreciate your attention to this matter and look forward to your prompt response. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> disputes were sent to XXXX in an attempt to verify the information on my report. XXXX was asked to provide a debt validation letter along with proof of alleged debt that company claims was owed prior to having this reported on credit. XXXX was asked to check on the following accounts : XXXX XXXX XXXX, Capital One, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX Accounts details were not provided other than the same information seen on credit report and XXXX. Disputes were " updated '' as per XXXX and XXXX is reporting each of the debts on credit report. Additionally, the disputes are showing as credit card utilization when none of these accounts are open and are shown as charge offs by each company. Disputes were also made specifically to XXXX XXXX XXXX and XXXX XXXX XXXX. As per company website companies are not licensed to collect debts in NY. A request for licensing information and licensing numbers for each was sent also asked to be provided and was not. There is an additional charge off from XXXX XXXXXXXX XXXX that has a civil judgement currently open. A request to correct the misleading information being reported by XXXX  XXXX XXXX be corrected and it was denied. The account is currently being reported as a charge off and is showing in credit card utilization. A request to cease negative reporting was requested as active payments are being made but this was denied. Furthermore, not one alleged debt reported as a charge off has sent proof of 1099-C which is required by the IRS when a debt is considered cancelled or forgiven. Credit reports have been frozen across all 3 reporting agencies and not new debts have been reported or opened yet score continues to drop to the lowest it has even been with zero new debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/year> disputes were sent to XXXX in an attempt to verify the information on my report. XXXX was asked to provide a debt validation letter along with proof of alleged debt that company claims was owed prior to having this reported on credit. XXXX was asked to check on the following accounts : Midland Credit Management, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX Accounts details were not provided other than the same information seen on credit report and Experian.com. Disputes were " updated '' as per XXXX and XXXX is reporting each of the debts on credit report. Additionally, the disputes are showing as credit card utilization when none of these accounts are open and are shown as charge offs by each company. Disputes were also made specifically to Midland Credit Management and XXXX XXXX XXXX. As per company website companies are not licensed to collect debts in XXXX. A request for licensing information and licensing numbers for each was sent also asked to be provided and was not. There is an additional charge off from XXXX  XXXX XXXX that has a civil judgement currently open. A request to correct the misleading information being reported by XXXX  XXXX XXXX be corrected and it was denied. The account is currently being reported as a charge off and is showing in credit card utilization. A request to cease negative reporting was requested as active payments are being made but this was denied. Furthermore, not one alleged debt reported as a charge off has sent proof of 1099-C which is required by the IRS when a debt is considered cancelled or forgiven. Credit reports have been frozen across all 3 reporting agencies and not new debts have been reported or opened yet score continues to drop to the lowest it has even been with zero new debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Regarding Debt Collection Practices** Dear CFPB Team, I am writing to file a formal complaint regarding a debt collection account that I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c.

Account Information : Collection Agency : The Receivable Management Date of Collection Notice : January 12, 2023 Details of the Complaint : 1. Violation of 15 USC 1692c : According to 15 USC 1692c, debt collectors are prohibited from contacting a consumer if they are represented by an attorney or have requested in writing to cease communication. In this case : - I have previously sent a written request to the collection agency asking them to cease communication with me. ( Include the date of your request and any relevant details. ) - Despite this request, the collection agency has continued to contact me, which I believe is a direct violation of 15 USC 1692c.

2. Impact : These continued communications have caused undue stress and inconvenience. I believe that the collection agencys actions are not only inappropriate but also illegal under the FDCPA.

3. Resolution Sought : I request that the CFPB investigate this matter and take appropriate action to ensure that the collection agency ceases all contact with me as required by law. Additionally, I would like the CFPB to assist in removing the collection account from my credit report, as the agencys actions are in violation of the FDCPA. 

I appreciate your prompt attention to this matter and look forward to your response. Please contact me at ( XXXX ) XXXX or XXXX if you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 this violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
15 U.S Code 1681-s ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have repeatedly sent letters and everything keeps being updated but not removed.

According to 15 U.S. Code 1681i A consumer can dispute inaccurate information on their credit report and request its deletion, which falls under the Fair Credit Reporting Act, requiring credit reporting agencies to investigate and remove disputed information if found to be inaccurate or unverifiable

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 2025-01-22 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: OH

Complaint narrative:
15 U.S Code 1681-s ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have repeatedly sent letters and everything keeps being updated but not removed.

According to 15 U.S. Code 1681i A consumer can dispute inaccurate information on their credit report and request its deletion, which falls under the Fair Credit Reporting Act, requiring credit reporting agencies to investigate and remove disputed information if found to be inaccurate or unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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