vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report unverified informatioon on my credit report for XXXX. I have disputed this incorrect information on several occasions and requested that Experian provide me proof of how they received information that this account was indeed correct. I have not received the information, yet Experian continues to report this damaging information to my personal credit profile.

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 2025-01-22 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: PA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Number : XXXX, USDOE/XXXX : Account Number : XXXX has violated my rights. 

I have viewed my Experian Credit Report on XX/XX/year> and have noticed some things that are inaccurate or incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 2025-01-22 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-01-22 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-22 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:
I noticed incorrect accounts on my credit report today, and I have no idea how they appeared. I regularly review my credit report, but this time, I found unexpected inconsistencies. I even tried refreshing my browser, thinking it might be a technical issue, but the inaccurate accounts were still there. Because of this, I am requesting a detailed review of the documents I submitted to prevent this from happening again.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SEE ATTACHMENT. 

Experian is in violation of FCRA 15 USC 1681i.

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 2025-01-22 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report fourteen fraudulent accounts appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a phone bill account opened at XXXX on XX/XX/XXXX under account number XXXX  ; a credit card account opened at PXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX XXXX a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; another credit card opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX - XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXXXXXX XXXX XXXX  XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXXXXXXXXXXXXX ; and a credit card opened at XXXX XXXX - XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report, including inquiries from FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer Equifax credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a phone bill account opened at XXXX on XX/XX/XXXX under account number XXXX  ; a credit card account opened aXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX ; a credit card account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under account number XXXX  ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX  ; a credit card opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX ; a credit card opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX ; another credit card opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX XXXX a credit card opened at XXXX - XXXX on XX/XX/XXXX under the account number XXXX ; a credit card opened at XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX XXXX  a credit card opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX ; and a credit card opened at XXXX XXXX - XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer credit report, including inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
On XX/XX/year> Ive asked them to verify that the debt belongs to me and what the debt is for. They cant provide any evidence that they have legal rights to collect the debt.They failed to provide documentation of the transfer of the debt. They cant provide me a breakdown of the XXXX XXXX provided and the charges for those services. There is no also no insurance claims processed. There is no legal contract with my signature claiming this debt is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Chek Cash, Inc.
State: TX

Complaint narrative:
I am filing a complaint against a debt collector for failing to comply with my written request to cease and desist all telephone, text, and email communications to my residence or workplace. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I exercised my right to request that the collector stop contacting me via these methods. Despite my clear and lawful request, the debt collector has continued to contact me, violating my rights under the FDCPA. 

I kindly request the CFPB 's assistance in addressing this matter and ensuring that the debt collector ceases all unauthorized communication immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 a bt 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 2025-01-22 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:
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. 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. Account are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schrier, Tolin and Wagman, LLC
State: SC

Complaint narrative:
Schrier, Tolin and Wagman encouraged me to submit an offer for 80 % of credit card debt after I stated the debt was due to identity theft. I never received validation of the debt before being taken to court. My statement was never acknowledged. I sent Schrier, Tolin and Wagman documentation that I was working with a debt-settlement firm to dispute the debt with no acknowledgement prior to court. None of this information was ever acknowledged. After the I paid timely payments for sixteen months, Schrier, Tolin and Wagman notified me over email that a payment 30 days prior was returned. I explained that my bank account was switched and attempted to pay but was told ( on a federal holiday ) to mail certified funds. I then asked for my total balance and offered to pay the remaining balance due and did not get a response until sixteen days later when told account was in default and the original offer was now void after I have continually tried to contact the firm. The law firm claims to have sent a letter, my statement of not receiving it was not acknowledged. I have, again, stated that this debt from 2020 was not mine with no acknowledgement. Communication has been negligent, coercive, and borderline discriminating. I believe that this firm has and continues to demonstrate gender discrimination by taking advantage of my gender and assumption that I would not know my rights and accept settlement. This law firm has XXXX complaints and continues to commit fraud and theft to benefit high interest credit companies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX I went in to XXXX XXXX fXXXX  browsing for a sofa. Store manager who was assisting stated he would check to see if I would be eligible for a loan, I expressed to him I was not interested because I was browsing and I did not want him checking for this loan to affect my credit score. I assured me that would not happen that it would not affect my credit. I did not under any circumstances consent to a hard inquiry let alone a store credit card. I realized what happened due to checking my credit report. There is a hard inquiry and my credit dropped. Additionally there is SYNCB/XXXX opened by this store manager the day I went. although I was extremely clear. My boyfriend was present and affirmed I was not looking to open any account and not to check my 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service an 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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Security Credit Services , LLC regarding their handling of my debt and their reporting practices to credit bureaus. The following issues have occurred : Failure to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) : Despite my formal request for validation, they have failed to provide sufficient documentation. Specifically, they did not produce proof of the legal transfer of the debt, a detailed breakdown of the current balance, or evidence of their legal right to collect on this debt. 
Their response was incomplete, failing to meet the standards outlined in the FDCPA for validating a debt. 
Improper handling of my personal data : Security Credit Services obtained and used my personal information without my explicit consent, in violation of the California Consumer Privacy Act ( CCPA ). I never authorized the transfer of my personal information from the original creditor, XXXX, to this collection agency. 
Misreporting to credit bureaus : They continue to report this account to the credit bureaus without sufficient validation, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ). Reporting an unvalidated debt harms my credit score and causes undue distress. 
Potential operation without a license in California : XXXX XXXX XXXX has not confirmed that they are licensed to operate in California as required under the California Financing Law ( XXXX ). If they lack the necessary license, their collection activities would be unlawful. 
I have requested that they cease all collection activities and remove the debt from my credit reports until the debt is fully validated. However, they have not complied with these reasonable demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX Bank 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 2025-01-22 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: CA

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX Bank XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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