vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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:
Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies Equifax, transunion and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX account number : 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently I have reviewed my current credit report and I have found some inaccuracies. This account is hurting my ability to obtain credit. To my knowledge, the credit reporting agencies Equifax, transunion and experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 
XXXX account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: IL

Complaint narrative:
TransUnion is reporting an account on behalf of XXXX XXXX that does not belong to me. This fraudulent account was established in XXXX. I have never resided in 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 2025-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Subject : Urgent Request for Response on Fraudulent Accounts & CFPB Compliance Dear Columbia Debt Recovery, I am writing to formally demand a response regarding the fraudulent accounts on my credit report associated with the following creditors : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I previously submitted the required documentation to your fraud department to dispute these accounts. However, I have yet to receive any response from your company regarding my case. Despite my efforts, these fraudulent accounts remain on my credit reports, which is unacceptable. 

Under federal law, you are required to respond to disputes and complaints submitted through the Consumer Financial Protection Bureau ( CFPB ). Failing to do so may result in legal consequences, as non-compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) is a violation of my consumer rights. 

I am demanding that Columbia Debt Recovery immediately remove these fraudulent accounts from my credit report and provide written confirmation of their deletion. If I do not receive a response within [ reasonable deadline, e.g., 15 days ], I will escalate this matter further, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and any other applicable regulatory agencies. 

Please consider this my final notice before I pursue legal action. I expect a written response at the address listed above or via email at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter Finance LLC submitted a Certificate of reinsertion request to XXXX in regards to an acct # XXXX. Ive submitted several identity theft reports in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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:
I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next 15 days. Relevant documents are attached for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
To EXPERIAN LEGAL DEPARTMENT, This is a formal legal notice under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA ), 12 C.F.R. 1022.1 ( TILA ), UCC Article 9, and Arizona State Consumer Protection Laws demanding the immediate and permanent removal of the following fraudulent accounts that were previously removed from my credit report and have now been unlawfully reinserted : XXXX XXXX XXXX XXXX XXXX XXXX VIOLATION OF FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) According to the Fair Credit Reporting Act, once an account is removed due to fraud, it can not be reinserted unless the credit bureau notifies me in writing within five ( 5 ) business days and provides me with verifiable proof of reinsertion. You failed to provide this mandatory notice, renderi

ng this reinsertion unlawful. VIOLATION OF TILA 12 C.F.R. 1022.1 The Truth in Lending Act ( TILA ) mandates fair and transparent cred
it reporting. The reinsertion of fraudulent accounts without my consent, knowledge, or proper verification is a direct violation of federal lending disclosure laws. 
VIOLATION OF UCC ARTICLE 9 & FRAUDULENT REPORTING Pursuant to UCC 9-210, I demand full documentation proving the lawful assignment and ownership of these accounts. You are required to produce a legally binding contract with my verifiable signature, proving that I agreed to these accounts. Absent this, your reporting constitutes fraud and negligent misrepresentation, actionable under Arizona state law and federal law. 
VIOLATION OF ARIZONA CONSUMER FRAUD ACT A.R.S. 44-1522 Under Arizona law , knowingly misrepresenting financial obligations constitutes consumer fraud. Your failure to validate these reinserted accounts and your unlawful reporting practices violate A.R.S. 44-1522, exposing you to civil liability and damages.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
The following address are fraudulent and I have never lived at any of the addresses please remove them from my credit report. There should be only one address on my credit report. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-01 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: GA

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 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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Hi my Name is XXXX XXXX XXXX Last year we were in touch due to I was a victim of fraud. You came to the conclusion that it was not fraud and that it was me. I have just got back from my detective and he gave me a new report. He sent my case out to the county and with there help they were able to get to the bottom of the case. Attached is the original copy of the report from when it was filed and as well as the new one I received today. It has all the information that was needed to prove that my money is owed to me and they also stated that you as a bank are insured for things like this. In the report you will find all things that prove it was not me.

As you will see in the report the scam originated outside the country and that's where they traced the money to. The woman is a real person however they stole her identity to help facilitate this scam. As you will also see on page four your bank has not been very forthcoming. My Detective was referred to the online division of Santander and my detective sent the subpoena request to XXXX XXXX where after one month then he received XXXX spreadsheets after he revied the spreadsheets, he saw that none of the fraud charges were listed. 
My detective and I feel the attached police report proves these charges were not made by me and therefore under your banks insurance I should be reimbursed. I appreciate you taking the time to review this issue again and I look forward to hearing from you with a positive outcome. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Santander Bank, N.A. 

Dear XXXX XXXX XXXX Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit . 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the entity you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are closing your case with the FDIC and forwarding a copy of your correspondence to the Consumer Financial Protection Bureau at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Website : XXXX XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation

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 2025-03-01 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: SC

Complaint narrative:
I rencently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report : XXXX XXXXXXXX. 

They are hurting my ability to obtain credit. 
Please remove these items

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 2025-03-01 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:
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. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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:
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. 
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 non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Keep getting calls and emails and letters and cant apply to new credit cards. Not a good look for companies to be doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: NY

Complaint narrative:
Dispute of Erroneous Business Account Reported on My Credit Report I am writing to formally dispute an account that appears on my credit report, which I believe is inaccurately attributed to me. The account in question is a business account and does not pertain to my personal financial history. I request a thorough investigation into this matter and the removal of the incorrect information from my credit file. 

Below are the details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX I have no association with the above-mentioned business account. This discrepancy appears to be the result of either a clerical error or misidentification, and its presence on my personal credit report is both misleading and damaging to my credit profile. 

Please complete an investigation into this dispute and provide written confirmation of the results. If the account is found to be in error, I request that it be removed immediately from my credit report. Additionally, please inform me of the steps taken to resolve this issue and the expected timeframe for completion. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-01 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: NY

Complaint narrative:
Dispute of Erroneous Business Account Reported on My Credit Report I am writing to formally dispute an account that appears on my credit report, which I believe is inaccurately attributed to me. The account in question is a business account and does not pertain to my personal financial history. I request a thorough investigation into this matter and the removal of the incorrect information from my credit file. 

Below are the details of the disputed account : Account Name : XXXX XXXX XXXX Account Number : XXXX I have no association with the above-mentioned business account. This discrepancy appears to be the result of either a clerical error or misidentification, and its presence on my personal credit report is both misleading and damaging to my credit profile. 

Please complete an investigation into this dispute and provide written confirmation of the results. If the account is found to be in error, I request that it be removed immediately from my credit report. Additionally, please inform me of the steps taken to resolve this issue and the expected timeframe for completion. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A Sham investigation we doone. I am submitting a formal complaint regarding a series of concerns related to my credit report with Equifax, specifically involving the Equifax Data Breach and the verification of XXXX XXXX account. 

1. Equifax Data Breach and Impact on My Credit Report : I am deeply concerned about the effects of the Equifax Data Breach that occurred in 2017, which compromised the personal information of millions of consumers, including mine. Despite assurances that Equifax would take steps to mitigate the impact, I believe my credit report still contains errors or inaccuracies stemming from this breach. 

In particular, I have noticed discrepancies related to my XXXXXXXX XXXX  account, which I believe may have been impacted by the breach. I dispute the accuracy of the information reported, and I feel that the measures taken by Equifax to correct this issue have been insufficient.

2. Dispute Process and Verification of XXXX XXXX Account : I initiated a dispute with Equifax regarding the information reported by XXXX XXXX on my credit report. According to the response I received from Equifax, the company confirmed that the information was accurate and that XXXXXXXX XXXX reporting was correct. 

However, I have not received a clear or detailed explanation of the steps Equifax took to verify the accuracy of the information reported by XXXX XXXX. The dispute investigation process was not adequately explained, and I was not provided with sufficient documentation or a breakdown of how Equifax communicated with XXXXXXXX XXXX to validate the information. 

The lack of transparency and failure to provide supporting documentation has led me to question whether the verification process was thorough, especially in light of the data breach. It is my belief that this may have contributed to errors or inaccuracies in the data reported by XXXX XXXX

Company response to consumer: Closed with explanation