vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
I have multiple thing on my credit that I have no clue where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Today on XX/XX/year> I went into XXXX XXXX, XXXX, XXXX, to obtain a new year credit report and noticed a company showing Name of XXXX XXXX XXXX XXXX XXXX has flagged your account as Collections on XX/XX/year>. 

Company XXXX XXXX XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/year> Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance {$440.00} This is a formal notice in regards to the inaccurate and fraudulent account ( s ) reporting on my consumer report by the company, anonymous collections company. 

I am requesting immediate removal of the inaccurate account ( s ) I am attesting that I have not received a validation letter from the collection company mail nor electronically. 

I am reaching out to the Consumer Financial Protection Bureau I have no verbal nor written contract with Anonymous Company XXXX XXXX XXXX XXXX XXXX ( Collections ) that states that I owe or agree to pay them any monies. 

I have no knowledge of this company and again I have no desire to do any business with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

I as the victim of the fraud, am requesting that the XXXX XXXX, XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and I am aware that this is subject to a {$1000.00} fine per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I previously had an inquiry on XXXX XX/XX/XXXX which I disputed and sent letters requesting to verify the debt. The inquiry was removed from my credit report XX/XX/XXXX. I'm assuming the previous company changed names or sold it to a different company. The charged then appeared on my XXXX credit report XX/XX/XXXX. No letters or anything was sent to me regarding this verifying that the account actually belong to me. The address also tied to the medical bill is not mine and I've never resided there before. I've thought I resolved these issues two years ago and here I go again dealing with the same issue that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX, Account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.

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 2025-02-08 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: DISCOVER BANK
State: NV

Complaint narrative:
I supplied Discover with the proper payment coupons to pay and clear the DEBTS that I owed. These companies have REFUSED to accept these payment coupons as PAYMENT by not applying them properly to the accounts I had to clear the amounts I owed. And also have REFUSED to RETURN them to me as I requested if they ( payment coupons ) was not accepted as payment. This action by these companies have HARMED my credit report and score with ALL 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized/Inaccurate Credit Inquiry Dear Sir/Madam , I am writing to formally dispute some credit inquiries that appears on my credit report, as provided by your agency. I have reviewed my credit report and noticed some inquiries that I believe is either inaccurate or unauthorized. 
Inquiry Details : 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 XXXXXX/XX/XXXX I believe that these inquiries is inaccurate or has been made without my authorization. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate and authorized information reflected in my credit report. Specifically, Section 604 of the FCRA ( 15 U.S.C. 1681b ) limits the types of inquiries that can be made into my credit report and requires my consent for certain types of credit checks.

I request that you investigate this inquiry and remove it from my credit report if it was made in error or without my permission. If the inquiry was made without my consent or if the business is unable to provide proof of authorization, I ask that you delete this inquiry in compliance with the FCRA. 
Please conduct a thorough investigation into this matter and notify me of your findings within the 30-day period required by the FCRA. If you require any additional information or documentation from me, please let me know as soon as possible. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the disputed inquiry has been removed from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : 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 2025-02-08 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my TransUnion credit report. The following accounts listed under collections are not mine and appear to have been reported in error : XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Amount : {$340.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Amount : {$6500.00} Date Opened : XX/XX/XXXX This information does not belong to me, and I am requesting that TransUnion thoroughly investigate these accounts and remove them from my credit report if they can not be verified as accurate. 

I have attempted to address this directly with TransUnion but have not received a satisfactory resolution. Therefore, I am seeking your assistance in ensuring that this matter is handled appropriately and that my credit report reflects accurate information.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am tiling 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 2025-02-08 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: MD

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 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 2025-02-08 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: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation on disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-02-08 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: AZ

Complaint narrative:
I am contacting you regarding a fraudulent account that has been opened using my identity without my consent. This is a clear case of unauthorized use, and I am demanding the immediate removal of this account 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 2025-02-08 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: CA

Complaint narrative:
I am writing to formally request the removal of an item from my credit report due to non-compliance with FCRA guidelines. The information in question fails to meet the standard for accuracy as outlined by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
I am reaching out regarding an inquiry on my credit report that I did not authorize and that has no permissible purpose. This is a violation of my rights, and I am requesting that this unauthorized inquiry be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$60.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: IL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$60.00}

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-02-08 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: I.C. System, Inc.
State: TX

Complaint narrative:
My information was Breached XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$660.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$750.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$770.00} I C SYSTEM Opened XX/XX/XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX 2023

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 2025-02-08 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: Sentry Recovery and Collections, Inc.
State: TX

Complaint narrative:
My information was Breached XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$650.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$660.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$710.00} SENTRY RECOVERY & COLLECTIONS Opened XX/XX/XXXX {$750.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$770.00} XXXX XXXX XXXX Opened XX/XX/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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I moved to XXXX XXXX XXXX. At the time of moving, me and my spouse left our accounts acitve with XXXX XXXX XXXX. Recently, I was surprised about a collection company XXXX which I originally thought was a scammer. I called them and ask them what it was and I confirmed that they are the collection company working with XXXX. They told me about the collection in the amount of {$57.00}. Since I moved to XXXX, I have never used the account and I have lost access to it. When I called XXXX, I asked them what the charge was about and who the vendor was, they had no information about it. They told me that I can file a dispute so that XXXX maybe be able to provide the information I need. Prior to that, I called XXXX about my account, but they have no information and can not tell me what it was and I assumed they closed it. Assuming that they have closed the account, I am certain that they should still be able to access the information so that I will at least know what the charge was for. After XXXX filed the dispute, I received a notice from the XXXX XXXX Experian that my credit score took a deep dive and that one of my accounts fell delinquent. When I checked, XXXX decided that they will write off the {$57.00} and call it a loss instead of trying to give me that information I want and would have paid it. They resorted in reporting it to the credit bureau to punish me and tank my credit score for this small amount. For the last 10 years that I have had credit cards and loans, I have not missed any payment whether large or small. When I filed a dispute, I decided to just pay it no matter what since they already did that to me. But when the dispute results came out, they still insisted that it their records were accurate. I am coerced to pay something that I have no idea about because they will not provide the information I needed but even after that and sending them proof of payment from XXXX, they still insisted that their records were accurate.

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 2025-02-08 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving Inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither Corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer

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 2025-02-08 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 writing regarding my account with XXXX I acknowledge that the account was charged off Due to fraud and my information being exposed and compromised multiple account was opened and created in my name including XXXX account To help resolve this issue, I am requesting that you review the account history, provide any supporting documentation for the disputed transactions, and begin the process of investigating potential fraud. I am committed to working with you to ensure that this account is properly resolved, and any incorrect or fraudulent charges are removed. 
Please advise on the next steps in this process and let me know how I can assist in resolving this matter as quickly 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 non-monetary relief
Consumer complaint received 2025-02-08 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:
Transunion/ Equifax has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving Inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Transunion/Equifax , alleging systemic issues such as failing to forward consumer -provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion/Equifax has neither Corrected nor removed disputed accounts, as Transunions/ Equifaxs inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation