vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated.

The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
I have identified 13 fraudulent accounts in my TransUnion report that I would like to have removed.

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 2025-03-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance : {$76000.00} DEPTEDXXXX XXXXXXXX Balance : {$76000.00} DEPTEDXXXX XXXX Balance : {$76000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXXXXXX Balance : {$76000.00} DEPTEDXXXX XXXXXXXX Balance : {$76000.00} DEPTEDXXXX XXXX Balance : {$76000.00}

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I purchased XXXX tickets through XXXX using my Apple Card several months ago. XXXX website did not provide any estimated delivery date at the time of purchase, which led me to believe the tickets would be delivered within a couple of weeks. However, months have passed, and I still have not received the tickets.

I have reached out to Apple Card support multiple times to request a refund, but I have not received any resolution. Additionally, I will be traveling for work in XXXX California and will not be home to receive the tickets if they ever arrive. Collecting them from XXXX XXXX is not possible since the tickets were not originally purchased by me. 

Given that I have not received the product I paid for and will not be able to collect it due to my travel schedule, I am requesting a full refund for this purchase. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
1

. No Proof of Debt Sent Before Emailing Debt collectors must send a written notice with details about the debt within five days of first reaching out. This email was the first time they contacted me and they never mailed a letter, they may have broken the law. 2. Emailing Without Permission Debt collectors can only email if given permission or if I originally shared my email with the creditor for contact purposes. If I never agreed to be contacted this way, they may have violated my rights. 3. No Option to Stop Emails When sending emails, debt collectors must provide an easy way to opt out of future messages. This email didnt include that option, it could be against the rules. 4. Trying to Collect Without Proper Proof Before demanding payment, the collector must send me proof that the debt is real, including a breakdown of what you owe and details about the original creditor. If they never did this, they shouldnt be trying to collect from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Had 2 unauthorized transactions on XXXX acct for XXXX. Contacted XXXX  to block payment, they refused. Called USAA for the same request they also refused. The purchases were made on XX/XX/year> and and contacted both the same day. The description is XXXX XXXX XXXX. I told them my XXXX  acct was hacked and I received an email spoof from XXXX. The transaction ID for XXXX  is 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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I had money dissappear after a major transaction and afterwards my balance was always tampered with from vendors that I never had any association with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MD

Complaint narrative:
Subject : Request for Deletion of Account Dispute Analysis Dear CFPB, I am writing to formally dispute the account reported by XXXX XXXX XXXX under XXXX XXXX, which appears on my credit report with the account number [ XXXX XXXX  ]. 

Account Details : Account Owner : XXXX XXXX ( Individual Account ) Original Creditor : XXXX XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Account Status : Unpaid Balance : {$1100.00} Original Amount Owed : {$800.00} Last Payment Date : XX/XX/XXXX Date of First Delinquency : [ First Delinquency Date ] Agency : XXXX XXXX XXXX Agency Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Dispute Analysis : Lack of Debt Validation : XXXX XXXX XXXX has failed to provide proper documentation to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). I have not received proof that this debt belongs to me or that XXXX XXXX XXXX has the legal right to collect it. 

Inaccurate Reporting : The balance reported on this account is inconsistent with the amount owed, and there is no clear history provided for any payments or adjustments. This discrepancy in reporting raises concerns about the accuracy of the information provided by the collection agency. 

Potential Violations of Consumer Rights : XXXX XXXX XXXX may have violated the FDCPA by failing to provide accurate debt validation upon request, as well as not notifying me in accordance with the law regarding the debt collection. Additionally, the way the debt is reported could violate the Fair Credit Reporting Act ( FCRA ) by failing to include correct information in my credit report.

Given these concerns, I request that this account be immediately deleted from my credit file as the reported information is inaccurate and unverifiable.

Please confirm receipt of this request and notify me of the outcome at your earliest convenience. If further documentation is required, feel free to contact me at XXXX. 

Additionally, I have sent a copy of this dispute to the Consumer Financial Protection Bureau ( CFPB ) for further review. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Copy to : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Website : www.consumerfinance.gov

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 2025-03-22 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-22 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts appearing on my credit report, and I have no idea how they got there. As part of my routine, I checked my credit report, but this time, unexpected discrepancies showed up. I even refreshed my browser, hoping it was just a temporary glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive provided so I can have peace of mind moving forward.

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 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an email notification from XXXX advising that my application was going to be sent for approval and that someone would contact me. I then began to revise my email and saw an email from them earlier that day as well saying my email was changed in their system. Then, a week later, I received an email from XXXX XXXX saying my application for a loan was declined due to my credit score. A month ago as well, I had gotten a call from XXXX, my phone service provider, stating that someone was trying to use my information to try and gain access to my account. XXXX had contacted me because the person who was trying to impersonate me could not verify the information correctly. Then as well today, I received an email from someone named XXXX XXXX, stating a loan was approved and the funds were going to be deposited into an old account I had. There was no phone number or a good way to contact them back. The name of the company was XXXX XXXX. I looked into my credit report and saw someone tried to also run my credit at XXXX  XXXX and Wells Fargo

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 2025-03-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF Items TO BE REMOVED XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX BALANCED {$1100.00} XXXX XXXX XXXX BALANCED {$650.00} XXXX XXXX XXXX BALANCED {$2400.00} XXXX XXXX XXXXXXXX BALANCED {$810.00} XXXX XXXX XXXX XXXX BALANCED {$1000.00XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$780.00} XXXXXXXX XXXX  XXXX BALANCED {$1900.00} XXXX XXXX  - XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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 2025-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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 : LIST OF Items TO BE REMOVED XXXX XXXX XXXXXXXX BALANCED {$970.00} XXXX XXXX BALANCED {$2300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX LL ) XXXX BALANCED {$730.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCED {$92.00XXXX XXXX XXXX  XXXX BALANCED {$1400.00} XXXX XXXX XXXX BALANCED {$240.00} XXXX XXXX BALANCED {$1100.00} XXXXXXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief