vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: NJ

Complaint narrative:
Please see supporting documents pertaining to the XXXX data Breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Last XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Experian Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the XXXX XXXX breach. I have included a copy of my Identity Theft Report ( XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 

The details of the fraudulent account are as follows : 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 Bankruptcy 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 I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under XXXX XXXX. XXXX for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXX Violations under XXXX XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Right to privacy ) Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Method of verification ) Thank you for your urgent attention to this critical matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2025-02-17 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:
the vehicle was charged off they said i owed {$0.00} because vehicle was returned. They then said i owe {$600.00} now they say i owe {$2100.00}

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 2025-02-17 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:
the vehicle was charged off they said i owed {$0.00} because vehicle was returned. They then said i owe {$600.00} now they say i owe {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TX

Complaint narrative:
the vehicle was charged off they said i owed {$0.00} because vehicle was returned. They then said i owe {$600.00} now they say i owe {$2100.00}

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 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Since XXXX i have hade there services i have always made payments on time. Over the years they have done 2 limit decreases on my credit card up until XX/XX/XXXX have.The Problem is American Express/Hilton looking at my credit reports at my total debt that determined all these decisions. They did not have the authority nor permission to keep looking at my credit report to determine how they handle my account, this is a clear violation of my FCRA Rights. My Credit score has been dropped and damaged due to these credit decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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 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 2025-02-17 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: CO

Complaint narrative:
From XXXX, I have disputed incorrect items. IMMEDIATELY after submission, even if I disputed Sunday at XXXX, I get a this item is valid notification and they will not let me re-dispute. This XXXX XXXX XXXX  is not a real review. I have an item, reportedly from XXXX XXXX alleging a debt, which I have repeatedly asked for validation of debt from them and the original Company, XXXX, to prove. They have yet to provide this information and it has been well over 30 days ( XX/XX/year> was original dispute date directly with company, collection agencies and All 3 Credit bureaus ). I disputed to hopefully get help from the bureau, which no help has come. I, as of todays date, am not allowed to dispute again, experian OR equifax even though XXXX DID fo an investigation and promptly removed the alleged debt collection. Therefore, Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed and ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/2025 I noticed that there was a debt collection on my credit report. Jefferson capital system in the amount of XXXX. The debt collection said I had a recent account with XXXX. This is incorrect. They could not provide me with details nor verify my social. When I called there was no record of my info but yet it was placed on my credit report. This is not my debt. My credit report was part of a data breach so I am not sure if this is a part of it or what.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-02-17 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: NJ

Complaint narrative:
TransUnion is falsely reporting inaccurate late payments on my XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX ). This reporting doesnt make sense because the account status is marked as Paid as Agreed. This directly violates the requirement for maximum possible accuracy under XXXX XXXX XXXXXXXX XXXX XXXX XXXX and must be corrected immediately. Both XXXX and XXXX are reporting this account correctly, yet TransUnion stands alone in misrepresenting my payment history. This discrepancy raises serious concerns about how TransUnion verifies its data before damaging consumer credit files with false and unverified information. This account should not have any late paymentspayments were made on time. However, TransUnion has falsely reported late payments for different months, which do not align with the accurate records from the other credit bureaus. Why is TransUnion the only bureau making this mistake? By continuing to report incorrect late payments, TransUnion is actively harming my credit profile with misleading, inaccurate, and unverifiable information. Under XXXX XXXX XXXX, I am formally disputing these errors and demanding that TransUnion immediately remove all falsely reported late payments and correct my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-17 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-17 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I sent XXXX the information about Mariner Finance removed info from my credit report and re entered it a week later to cause my score to drop. Mariner took over from XXXX XXXX. I have court documents that says that I defaulted on XXXX on XX/XX/year>. So, when it was originally removed it should have been removed permanently. XXXX did not investigate my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: RI

Complaint narrative:
They asked for personal information saying they could not give me the debt information until I give them personal information. Told me it was recorded. Asked my name that they had. Wanted my birth date and SS number. I refused to give them personal information saying please share with me the dept you are trying to collect. They said they could not speak with me then. I said I cant provide personal information and they need to share with what they are collecting. They steeed me to their web site but I already had been there and it asked for personal information and the text messaging does too. I have not received any mailing from them about any outstanding bills. XXXX. They keep on calling me leaving messages but now they are using my name when they did not before and before they refused to tell me who in my house oh hold had the debt. It seems like pfishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
I am submitting this complaint regarding the inaccurate reporting of a late payment by this creditor to Equifax. Their records incorrectly show a payment as late when, in fact, it was made on time. Despite this being an obvious error, the incorrect information remains on my credit report, negatively impacting my credit score. This false reporting is unacceptable and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX Texas XXXX Subject : Urgent Request for Removal of Fraudulent Accounts and Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute the fraudulent accounts, addresses, and inquiries that have been illegally and inaccurately reported on my credit file. My personal information was exposed in the recent Experian data breach, which has resulted in identity theft and significant harm to me. I have attached a copy of the identity theft report for your reference. 

As a result of this breach, unauthorized accounts and inquiries have appeared on my credit report. These accounts were opened without my consent, and the related inquiries were not initiated by me. Under consumer protection laws, any accounts, addresses, and inquiries resulting from identity theft must be removed immediately to prevent further financial and personal harm. 

I am formally requesting the immediate removal of all fraudulent accounts, inquiries, and addresses associated with my name. Please investigate this matter urgently and provide written confirmation once these inaccuracies have been corrected. If additional information is required, do not hesitate to contact me at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I expect your immediate action in accordance with the law. 

Sincerely, XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX  Hard inquiries check ftc report they are several 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