vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

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 2025-01-24 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: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

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 2025-01-24 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: GA

Complaint narrative:
Credit Bureaus didn't use proper measure to investigate account for Fair Collections And Outsourcing information attached was not provided

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 2025-01-24 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: GA

Complaint narrative:
Credit Bureaus didn't use proper measure to investigate account for Fair Collections And Outsourcing information attached was not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: PA

Complaint narrative:
I

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 XXXX 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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: UT

Complaint narrative:
Experian, XXXX and XXXX are potentially reporting collections account that I believe is incorrect.

The name of the collections agency is XXXX XXXX XXXX ( XXXX ). XXXX is not the original creditor of the account they are trying to collect on and failed to validate the debt with all the information I requested for either than a statement or a copy of the contract. 

XXXX did not provide me with information on how the debt was obtained, how much was paid for it and the amount I owe.

It's possible that insurance covered this debt whiles I could not pay and unemployed

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 2025-01-24 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: GA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts 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 2025-01-24 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: GA

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts 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 explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to file a complaint against discover regarding fraudulent charges on my credit card account. Below are the details of the situation : Account number ( last four digits ) : XXXX Fraudulent charges : There were several unauthorized charges on my account that i did not make or authorize. Unfortunately, i do not have the exact dates of these charges but they were noticed after i lost my card and reported a fraud alert.

Account Status : Discover has closed my account due to the fraud claim, but the fraudulent charges were not fully removed and i am still responsible for repaying the balance, which is causing significant financial strain.

Fraud claim status : I filed a fraud claim with discover, but the issues has not been resolved yet. Despite this, the fraudulent charges remain on my account, and i am struggling to repay the balance as a result.

These unauthorized charges are affecting my financial stability, and despite my efforts to resolve this matter directly with discover, the situation remains unsolved.

I am requesting that discover, remove the fraudulent charges from my account immediately, credit the amounts of the fraudulent charges back to my account, consider enrolling me in a hardship program while the investigation is ongoing, ensure that my credit score is not adversely affected by these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This account is {$1100.00} and ive never charged anything to this account. I have informed them it was identity theft. My step sister boyfriend has stooen my cards and accounts and chamged addresses so I wouldnt know someone was charging my accts. They stole my bank acct and was actung as me. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time of charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Agency : MIDLAND CREDIT MANAGEMENT Type : Collections account Originated Date : XX/XX/year> Balance : {$630.00} I found on my credit report that a collections account has been opened under MIDLAND CREDIT MANAGEMENT for a debt owed in the amount of {$630.00} for an account that originated on XX/XX/year> with XXXX XXXX XXXX. I reviewed the information and found inaccuracies in the claim, and I am not aware of the account. Therefore, this debt is not valid or correct. Proof was not provided to me to validate this debt. I am disputing this charge immediately for inaccuracy and possible identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
Subject : Formal Complaint Against Equifax for Inaccurate Credit Reporting by XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding Equifaxs failure to ensure the accuracy of my credit report and conduct a complete investigation into a disputed account reported by XXXX XXXX XXXX ( XXXX ). Equifax has not adhered to its obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) and 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The inaccuracies on my credit report are as follows : XXXX XXXX XXXX has inaccurately reported the account as being 120 days past due for XX/XX/2024 and XX/XX/2024, while reporting it as current for XX/XX/2024. This inconsistent reporting is false and damaging to my credit profile. 
XXXX XXXX XXXX has not provided any evidence that I own this debt. Specifically, they have failed to produce a signed contract or any documentation proving that I am liable for the alleged debt with their company and myself. This debt from XXXX does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours 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 of disputes. Furthermore, Equifax '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 the account is accurate, without providing any evidence of a inorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: LA

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint against TransUnion for their failure to properly investigate charge-off accounts on my credit report, despite multiple disputes under the Fair Credit Reporting Act ( FCRA ). I have made several attempts to resolve the inaccuracies in my credit report, but TransUnion has not conducted a thorough investigation into these items, nor have they provided sufficient evidence of their verification process.

The following accounts are reported as charge-offs, and I have disputed these items with TransUnion, yet they continue to appear on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] After I submitted my disputes, TransUnion sent updates stating that the accounts were " verified. '' However, these updates failed to provide any clear or specific information regarding how these accounts were verified, leaving me with no understanding of how the verification was conducted or what evidence was provided to support its accuracy. This lack of clarity is a violation of my rights under the FCRA, particularly 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation and provide consumers with clear results.

The inaccurate reporting of these charge-off accounts has significantly impacted my ability to obtain employment and secure housing. The burden caused by these errors is severe, and I am requesting that the charge-off accounts in question be removed from my credit report, as they have not been accurately verified, as required by law.

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 2025-01-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Accounts Due to Data Breach Dear Equifax, I am writing to formally dispute the presence of accounts on my credit report that were compromised as a result of the 2023 Equifax data breach, where my personal information, including sensitive financial data, was exposed without my consent. This has been confirmed via .XXXXXXXX, engagement # XXXX. The breach exposed millions of consumers ' data, including mine, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and other applicable privacy laws to request the immediate removal of any accounts linked to this breach.

As the breach has left my personal data vulnerable to potential identity theft or fraud, I am requesting that you remove all such accounts from my credit report. Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into disputed items, and if you fail to verify these accounts as accurately linked to me, they must be removed. Should you fail to comply with this request, you may be in violation of 15 U.S.C. 1681n, which allows me to seek statutory damages for willful noncompliance with FCRA requirements.

Additionally, I request that you provide verifiable proof of each account linked to me, including the chain of assignment/custody and the original signed documents that verify I opened and/or signed for these accounts. If you can not provide this documentation, I expect the accounts to be immediately removed from my credit report.

Please be advised that any failure to remove unverifiable accounts may also be subject to penalties under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, as unauthorized use of my information constitutes identity theft.

Should you fail to investigate this matter or provide the necessary proof of debt, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under 15 U.S.C. 1681o, which provides for civil penalties for negligent violations of the FCRA.

Enclosed Documents : ID & proof of residence Identity theft Report Credit Report Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My request was ignored and not addressed or changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My request was ignored and not addressed or changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: MS

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-01-24 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: MS

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 explanation
Consumer complaint received 2025-01-24 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: GA

Complaint narrative:
I was honestly shocked to find out that my credit report was misusedsomeone applied for things in my name, and these companies pulled my report without my permission. I dont recognize any of these inquiries and definitely didnt approve them. Im completely stunned and upset that this has happened, especially since its a clear violation of my rights as a consumer. It feels really insulting, especially as someone who follows the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

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