vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : Request for Assistance in Disputing Negative Information on My Credit Report Dear Sir/Madam , I hope this message finds you well. I am writing to request your assistance in addressing and removing inaccurate or negative information from my credit report with XXXX, Equifax and XXXX. I believe this information is erroneous and unfairly impacting my creditworthiness. 

I have reviewed my credit reports from both Equifax and XXXX and identified several items that I believe to be incorrect or outdated. I respectfully request that these credit bureaus review the information and remove any negative items that do not meet the necessary legal standards for reporting. 

I kindly request that the CFPB act as an intermediary to communicate with Equifax and XXXX to resolve these issues. Your assistance would be invaluable in helping ensure that my credit report accurately reflects my financial history and complies with all applicable regulations under the Fair Credit Reporting Act ( FCRA ). 

Please let me know if any additional information is required from my end to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NY

Complaint narrative:
There is negative information that is adversely affecting opportunities for me. Accounts that have been closed and still on there, accounts showing delinquent /late but it has been paid up. The whole credit system needs to be done away with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've asked for over a year for proper verification as it's my rights and the law but transunion nor this company takes a 1692g serious

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 2025-01-25 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EXPERIAN Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$27000.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed UNAUTHORIZED INQUIRE ( XXXX ) : EXPERIAN XXXX XXXXXXXX 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 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

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 2025-01-25 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: GA

Complaint narrative:
I paid XXXX XXXX XXXX to help XXXX to XXXX I paid for XXXX and XXXX XXXX XXXX XXXX to XXXX I've locked my credit numerous times hopefully now that I have fraud alert on my account it would help

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 2025-01-25 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: GA

Complaint narrative:
I paid XXXX XXXX XXXX to help XXXX to XXXX I paid for XXXX and XXXX XXXX XXXX XXXX to XXXX I've locked my credit numerous times hopefully now that I have fraud alert on my account it would help

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 2025-01-25 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax, XXXX XXXX immediately. 

XXXXXXXX XXXX XXXXXXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$560.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX  {$2700.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXXXXXX These companies have 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) 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.

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 2025-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
I did not contact this debt collector previously because I first discovered this debt on my credit report. They did not send me any notification or letter asking if I disputed the debtthere was no communication at all. They simply reported it on my credit report. I currently have an account with XXXX XXXX opened in XX/XX/XXXX, which is paid current each month. The agency listed as having reported the debt is Aargon Agency according to my XXXX report. 

I could not have opened this account because, between XX/XX/XXXX and XX/XX/XXXX, I was verifiably living in a hotel. I only opened my current XXXX  XXXX account after moving into my apartment in XX/XX/XXXX. I should have been given the opportunity to dispute this debt before it was reported.

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 2025-01-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The below names are not associated with me and need it removed from my credit XXXX XXXX Also, XX/XX/year> address has never been my address. I have never resided in New York before. XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
Im honestly tired of dealing with the constant inaccuracies on my report. These errors are more than just frustratingtheyre actively damaging my score and preventing me from accessing opportunities that Ive worked hard to earn. Its unfair and exhausting to keep fighting for basic fairness.

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 2025-01-25 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Date XX/XX/2024, I have reached out to debt collectors asking for a 1099-c form that by law Im entitled to for tax purposes. They have not provided me with the form. They have reported to all 3 credit bureaus every month for two years as being a charge off. That alone violates my rights under the fair credit act. I would like these items deleted. Any help with this matter is much appreciated. 
XXXX XXXX XXXX. {$440.00} lVNVFunding. {$500.00} XXXX XXXX. {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: TX

Complaint narrative:
On XX/XX/XXXX my Equifax score was a XXXX which did not reflect the recent removal of collection accounts. On XX/XX/XXXX there were a total of 20 changes to my Equifax report which includes the removal of 4 collection accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no way possible that with the removal of these accounts and inquiries that my consumer score only increased by a single point. This is CLEARLY a VIOLATION of 28 USC 4101 ( 1 ) AND Texas Civl Practice and Remedies Code Title 4. LIABILITY IN TORT CHAPTER 73. LIBEL SUBCHAPTER A GENERAL PROVISIONS SEC. 73.001 -Acts 1985, XXXX XXXX Ch. XXXX, Section 1, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LNV LLC FUNDING has been on my credit report for 3 years and no idea whos this is, Ive tried calling people about getting this fraud and other fraudulent accounts on my account removed but Im either asked for money or told its accurate when its not. Someones clearly took control of my social and used it until my score has dropped terribly. This was open XX/XX/year> and Ive disputed twice with no luck. I want this all off my credit its not fair I am suffering because someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: WI

Complaint narrative:
I never authorized the inquiries your company has placed on my credit report, and theyre hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I receive dozens of calls from this company daily. All times of the day. Weekends, nights, holidays, it is incessant. They call my spouse, my employer, my family members, it is humiliating. When I asked for proof of this debt, it was never provided. Every time I block one of their numbers they come back with a new one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 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: PA

Complaint narrative:
on XX/XX/year> i got a alart from Myfico account that XXXX reported a collection to my report that dost not belong to me i contacted XXXX  and filed my compliant and i file a fraud with ID thief.gov today i received another alart from myfico that TransUnion is reporting the same collection that is not mine by the company XXXX XXXX XXXX please look into this fraud this is not mine and i have no idea where this just popped up from no where

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 2025-01-25 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: PA

Complaint narrative:
on XX/XX/year> i got a alart from Myfico account that experian reported a collection to my report that dost not belong to me i contacted experian and filed my compliant and i file a fraud with ID thief.gov today i received another alart from myfico that XXXX is reporting the same collection that is not mine by the company XXXX XXXX XXXX please look into this fraud this is not mine and i have no idea where this just popped up from no where

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
Recently obtained my INNOVIS CREDIT REPORT and NONE of my personal information is correct. Name, phone number, address, SSN. However, Im a victim of Identitytheft XXXX. However the FCRA RIGHTS reads that ALL REPORTING information must be ACCURATE! Nothing on INNOVIS credit account is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
PayPal /Synchrony Bank have received the proof from XXXX XXXX  that they were paid {$770.00} years ago into their XXXX XXXX XXXX  and they continue to send inconsistent statements and they take this debt on and off my credit bureaus causing me great stress with numerous health issues. There is no end to this

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 2025-01-25 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability 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 non-monetary relief
Consumer complaint received 2025-01-25 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:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 2025-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had a XXXX XXXX credit card and owed XXXX and change. I paid it in full to XXXX XXXX. The agent with whom I made the last payments on the phone asked me if I wanted the confirmation numbers for paying in full and I said please send them to my email address, as I am on the pho0ne and don't have a way to write them down. He never sent them and they subsequently transferred the old and already paid account balance to Portfolio recovery associates. They did report that I had paid it off in full to the credit reporting agencies ie XXXX and XXXX. The reporting was noted and reflected by all three agencies with a jump in my credit scores. But then, Portfolio Recovery started hounding me to pay this exact same bill. I have the bank statements PROVING that I have paid XXXX  XXXX in FULL for this debt, The fact that the three credit bureaus also reported this account as paid in full evidently is irrelevant because I keep being hounded to pay TWICE., I sent both XXXX  XXXX and Portfolio the bank statements with the automatic payments to XXXX XXXX equaling the total amount. I admit that it took me much longer to pay off this bill but I refuse to pay it twice. I want records of them ( XXXX  XXXX ) receiving my payments sent to Portfolio and I want them to STOP HARASSING ME FOR THIS account that has been paid in full for over a year

Company response to consumer: Closed with explanation