vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: OH

Complaint narrative:
Subject : Dispute of Fraudulent Account on Credit Report Due to Data Breaches Dear Sir or Madam, I am writing to formally dispute a fraudulent account appearing on my credit report : XXXX : {$29000.00} I believe this unauthorized account resulted from multiple data breaches, including those involving Equifax, XXXX and XXXX XXXX and XXXX XXXX and the XXXX XXXX XXXX. 

XXXX Grounds for Dispute : Violation of 15 U.S.C. 1681i : Mandates that credit reporting agencies promptly investigate and correct inaccurate information upon notification. 
Violation of 15 U.S.C. 1637b : Requires clear disclosure of credit terms to consumers, which was not adhered to in this fraudulent account.

Violation of 15 U.S.C. 1681s-2 : Obligates furnishers of information to ensure the accuracy of data provided to credit reporting agencies. Reporting a fraudulent account breaches this obligation. 

Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the unauthorized CREDITACPT account. 
Ensure its immediate and permanent removal from my credit report. 
Confirm that all actions comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this fraudulent account has been permanently removed from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: OH

Complaint narrative:
Subject : Dispute of Fraudulent Account on Credit Report Due to Data Breaches Dear Sir or Madam, I am writing to formally dispute a fraudulent account appearing on my credit report : XXXX : {$29000.00} I believe this unauthorized account resulted from multiple data breaches, including those involving Equifax, XXXX and XXXX XXXX and XXXX XXXX and the XXXX XXXX XXXX. 

XXXX Grounds for Dispute : Violation of 15 U.S.C. 1681i : Mandates that credit reporting agencies promptly investigate and correct inaccurate information upon notification. 
Violation of 15 U.S.C. 1637b : Requires clear disclosure of credit terms to consumers, which was not adhered to in this fraudulent account.

Violation of 15 U.S.C. 1681s-2 : Obligates furnishers of information to ensure the accuracy of data provided to credit reporting agencies. Reporting a fraudulent account breaches this obligation. 

Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the unauthorized CREDITACPT account. 
Ensure its immediate and permanent removal from my credit report. 
Confirm that all actions comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this fraudulent account has been permanently removed from my credit report. 

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 2025-04-05 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I tried XXXXXXXX XXXX  for less than 30 days and cancelled because I had no internet for 3 days within the first week. In the initial set up they sent equipment I already had, the installing technician took the equipment and said he would remove it from my account. It was a XXXXXXXX XXXX XXXX.. I already have XXXXne from my company. So he took it. After closing the account and learning the equipment had not been removed from my account, I've called a total of 4 times and have given them the serial XXXX XXXX XXXX XXXX which they confirmed does not match theirs. Each time I could not get past the rep answering the phone and the request for a manager was denied. Each one said they would escalate to the resolution department and I should hear back from them within 5 days. Unfortunately, I never heard from them and now I got a letter saying they sent me to collections for the amount of {$210.00} the amount they want to steal from me for the XXXX the installing technician took and was supposed to have removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDUT REPORTS I NOTICED ACCOUNTS THAT WER FRADULENTLY OPENED IN MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: Kashable LLC
State: CA

Complaint narrative:
I am a XXXX XXXX XXXX and this was a identity theft situation and I have provided police reports also and they are refusing to remove this from my credit profile and proof of reinvestagating. 

15 U.S. Code 1681i : This section provides consumers with the power to dispute inaccurate information that is listed on their credit reports.

15 U.S. Code 1681s-2 : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, including the duty to investigate disputed information.

Revaluation Rules and USC Support : The FCRA, as amended by the Fair and Accurate Credit Transactions Act ( FACTA ), includes provisions for record accuracy and identity theft.

The CFPB has engaged in rulemakings under the Debt Bondage Repair Act and finalized a rule to prohibit consumer reporting agencies from providing consumer reports that contain any negative item of information about a XXXX XXXX XXXX XXXX that resulted from the XXXXThe CFPB is seeking public comment on a proposed rule regarding identity theft and coerced debt, which is within the statutory authority of the CFPB to define " identity theft ''. 
The FTC enforces federal laws that protect consumers and prevent unfair business practices, including the FCRA 's identity theft rules. 
The FTC 's identity theft resources include advice, guidance, and consumer advice. 
The FTC 's identity theft rules are part of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: IL

Complaint narrative:
I made a call to Southwest collection agency. I tried to square away my debt. I asked if I could get a settlement amount or if i could get on a payment plan. They were able to give me a settlement amount of {$4100.00}. I made a payment of {$2000.00} XXXX XXXX. I even set up two more automatic payments that would satisfy the debt. The next day I logged into the portal and the settlement offer that I was given was not on the account. I called and inquired about it and the rep told me that settlement offers are not reflected via portal which immediately screamed red flag. I also inquired about the balance being updated to the credit bureaus, the representative told me that they absolutely will not report/update any payments that have been made until the FULL amount has been paid. Which is deceiving. If I am doing my due diligence to try and square a debt, a debt that the collection agency purchased. A debt that the original business sold without my knowledge or consent, how are you going to tell me that you aren't going to update the balance. As of right now they are reporting inaccurate information. I have a current collection from XXXX right now that I am paying on, and each payment is being reported. The balance is being updated. I dont understand why Southwest Recovery cant do the same! At this point who knows where my money actually went to and if these people are even legit! I feel as though this is illegal for them to do and I'm not sure how they think this is ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have asked them several times to correct my address and my employer on my credit report. They will not correct it. They keep telling me they need to see attach a copy of my id which I have done several times.

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 2025-04-05 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: TX

Complaint narrative:
I filed a dispute with Experian because my credit report shows an incorrect amount owed to XXXX XXXX. Previously I enrolled the XXXX XXXX XXXX XXXX XXXX XXXX consolidation program, but they were unable to negotiate the debt because XXXX was wanting over {$12000.00} when what I owe them is only {$8300.00}. This total is based on the letter XXXX sent me after repossessing my vehicle and selling it at auction. I received this letter around XXXXXXXX XXXX XXXX and I've received no further correspondents from XXXX since the letter. They have made no attempts to contact me about the debt either. 

I provided a copy of the letter to Experian with the correct amount owed and the dispute did not change anything. XXXX is denying the amount they provided to me directly and no further explanation was given by them or Experian. This is very concerning and unacceptable. This needs to be fixed.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
I was showing a friend pictures on my phone from a family vacations i took and he was fkiiping though the pics on my phone when he quick went on cash app and sent himself {$2000.00} my whole balance which cash app failed to find suspicious that I would sent someone my whole checking account blance. Instead they allowed the transaction. My apps also use touch ID and at one point while flipping thorough the pics he said the phone screen went black to reopen/unlock my phone so he can finish looking through the pics I just put my finger on the side of my phone that's where the XXXX  is. That's when he must have sent the money. Quick he got off cash app and acted like he was looking at the pics still. And handed me back the phone. Less them 24 hr l noticed balance on XXXX and saw fraudulent transaction I reported it to cash app. And quickly the closed my account and refused to look into this even when. The other partie who stole the money has admitted and tried to refunded me back cash app wouldn't allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
The accounts listed are fraudulent. I did not open these accounts. Please remove them as they are hurting me, attempting to obtain credit.

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 2025-04-05 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. These items include unauthorized accounts and hard inquiries that I did not initiate or approve. Based on both federal and Pennsylvania state law, I am exercising my right to dispute and request the immediate removal of this fraudulent information.

Under the Pennsylvania Identity Theft Protection Act ( Act 102 of 2014 ), I have the legal right to dispute and remove fraudulent information from my credit reports. This law requires credit reporting agencies to conduct timely investigations and correct any inaccuracies.

Federally, the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable investigation when a dispute is filed and to correct or delete any information that is inaccurate, incomplete, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. According to 15 U.S. Code 1681i ( 5 ), if any disputed item is found to be inaccurate or unverifiable during reinvestigation, the bureau must promptly delete or correct the item and notify the furnisher of that change. 

I have already filed a formal FTC Identity Theft Report and submitted disputes to the credit bureaus directly. Despite my efforts, the inaccurate and fraudulent items remain. These errors are damaging my credit and do not reflect my actual financial history or behavior. 

I am requesting that the CFPB assist in ensuring these accounts and inquiries are thoroughly investigated and permanently removed from my credit reports. The following is a list of the disputed items I am requesting be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. These items include unauthorized accounts and hard inquiries that I did not initiate or approve. Based on both federal and Pennsylvania state law, I am exercising my right to dispute and request the immediate removal of this fraudulent information.

Under the Pennsylvania Identity Theft Protection Act ( Act 102 of 2014 ), I have the legal right to dispute and remove fraudulent information from my credit reports. This law requires credit reporting agencies to conduct timely investigations and correct any inaccuracies.

Federally, the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires consumer reporting agencies to conduct a reasonable investigation when a dispute is filed and to correct or delete any information that is inaccurate, incomplete, or can not be verified. Additionally, under 15 U.S. Code 1681e ( b ), credit bureaus are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. According to 15 U.S. Code 1681i ( 5 ), if any disputed item is found to be inaccurate or unverifiable during reinvestigation, the bureau must promptly delete or correct the item and notify the furnisher of that change. 

I have already filed a formal FTC Identity Theft Report and submitted disputes to the credit bureaus directly. Despite my efforts, the inaccurate and fraudulent items remain. These errors are damaging my credit and do not reflect my actual financial history or behavior. 

I am requesting that the CFPB assist in ensuring these accounts and inquiries are thoroughly investigated and permanently removed from my credit reports. The following is a list of the disputed items I am requesting be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: CITIBANK, N.A.
State: SC

Complaint narrative:
This Citibank Best Buy inquiry on my XXXX credit report is % XXXX not mine and it has gone unnoticed up until now. Ive tried calling the number but its asking for my social security number, so Im reaching out to you whom I trust completely. Im happy to talk to anyone I have to about it anytime

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 2025-04-05 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: MI

Complaint narrative:
I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my credit report. XXXX XXXX XXXX Account number XXXX Open date : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account number:XXXX Open date : XXXX XXXX XXXX XXXX Account number:XXXX Open date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number:XXXX Open date : XXXX XXXX XXXX.DEPT OF EDXXXX Account XXXX Open date : XXXX XXXX XXXX. US DEPARTMENT OF EDU Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXX XXXXXXXX XXXX XXXX Open date : XXXX XXXX XXXX XXXX XXXX Open date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Open date : 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 2025-04-05 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: PA

Complaint narrative:
I have asked and disputed several times.I have no contract, promissory note, or wet-ink signature agreement on file with XXXX XXXX XXXX XXXX have I ever received a valid statement or sworn affidavit from them verifying the alleged debt and the lawful basis for the charge-off. You are reporting several discrepancies on Experian and XXXX, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2,

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have asked and disputed several times.I have no contract, promissory note, or wet-ink signature agreement on file with XXXX XXXX XXXX nor have I ever received a valid statement or sworn affidavit from them verifying the alleged debt and the lawful basis for the charge-off. You are reporting several discrepancies on XXXX and Equifax, Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2,

Company response to consumer: Closed with non-monetary relief