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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in a fraudulent chargeoff appearing on my consumer FICO credit report. I attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, chargeoff, as reported. The aforementioned account, chargeoff appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and chargeoffs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear XXXX, I am writing to formally dispute inaccurate and/or unverifiable information included in my credit report as furnished by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically und

er 15 U.S.C. 1681o, which provides for civil liability for negligent noncompliance. The following item ( s ) on my credit report are inaccurate and
require immediate investigation and correction : XXXX. XXXX XXXX XXXX {$1400.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 
XXXX. XXXX XXXX XXXX {$660.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 


The inclusion of this inaccurate information has caused harm to my creditworthiness and may have resulted in adverse actions against me, including [ briefly mention harm, such as denial of credit, increased interest rates, etc. ]. 

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of disputes regarding the completeness or accuracy of any information contained in my credit report. If the disputed information is not verified as accurate, it must be corrected or deleted promptly. 

Please provide written confirmation of your receipt of this dispute within 30 days, as well as the results of your investigation. Should you fail to comply with your obligations under the FCRA, I reserve the right to pursue all remedies available to me under the law, including those outlined in 15 U.S.C. 1681o for civil liability due to negligent noncompliance. 

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX XXXX If youd like to refine it further or add more details about your case, let me know!

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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information in My Credit Report Dear XXXX, I am writing to formally dispute inaccurate and/or unverifiable information included in my credit report as furnished by your agency. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability for negligent noncompliance.

The following item ( s ) on my credit report are inaccurate and require immediate investigation and correction : XXXX. XXXX XXXX XXXX {$1400.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 
XXXX. XXXX XXXX XXXX {$660.00} This account doesnt belong to me. I have asked for proof of a wet signature from me signing a contract with this company and I didnt receive any verification showing a contract with me and this company with my signature. I never opened an account with this company. 


The inclusion of this inaccurate information has caused harm to my creditworthiness and may have resulted in adverse actions against me, including [ briefly mention harm, such as denial of credit, increased interest rates, etc. ]. 

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation of disputes regarding the completeness or accuracy of any information contained in my credit report. If the disputed information is not verified as accurate, it must be corrected or deleted promptly. 

Please provide written confirmation of your receipt of this dispute within 30 days, as well as the results of your investigation. Should you fail to comply with your obligations under the FCRA, I reserve the right to pursue all remedies available to me under the law, including those outlined in 15 U.S.C. 1681o for civil liability due to negligent noncompliance. 

Thank you for addressing this matter promptly. I look forward to your response. 

Sincerely, XXXX XXXX XXXX If youd like to refine it further or add more details about your case, let me know!

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXXn Fraud Victim Assistance Department\n XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any of my transaction ( XXXX ). 
Account : XXXX XXXX XXXXXXXX, Account number : XXXX, Amount : {$1200.00} Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, \n [ 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 non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ideal Collection Services, Inc.
State: IL

Complaint narrative:
Collection agency name is Ideal Collection Agency {$9600.00} opened XX/XX/year> its not we owe XXXX XXXX apartments in XXXX XXXX Fl sold when is covid time when we lost our jobs me and my husband they were freeze the our rent till find a job which our lease was ended XXXX we were owe 2 months of rent XXXX each months so should be not more than XXXX for rent end up owe XXXX all this fees everything, they told us we have to pay everything up front order to taking out of our credit, we were apply for a help while we moved to XXXX and after that they send us to collection, by law I find out that when we owe to apartment complex not sending to collection while covid time which they didn't follow the law they send us any ways without calling us we are not owe to Ideal collecting service pls help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Transworld Systems IncXXXX is attempting to collect a debt for a rental property at XXXX at XXXX XXXX in the amount of {$9600.00}. I had vacated the property and notified the leasing office. I was in a bad situation with my husband and was left no choice but to leave. I involved the police because he was XX/XX/XXXX and doing other illegal activity. I told the property management I had no choice but to vacate and they notified me they could not relinquish me from the lease without two party consent for which he wasn't willing. I left after explaining the situation to management at XXXX at XXXX XXXX and was assured I was no longer responsible for the property. I am requesting the immediate removal of this inaccurate account from XXXX, XXXX, and XXXX.

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: MT

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 1 seek appropriate redressfor these violations.

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: IL

Complaint narrative:
On XX/XX/XXXX, I closed my account after being informed by the company that I needed to provide bank details due to a fraud alert associated with the account I was using. This alert occurred after I had made approximately five payments. Upon closing my account, I requested that the company send me the final statement via mail so I could pay off the balance and ensure the account was settled with a XXXX balance. However, I never received a bill. 

In XXXX, I noticed a significant drop of XXXX points on my credit report due to a missed payment for that month. I promptly contacted the company, paid the balance in full, and they assured me the issue would be corrected. They also provided a letter confirming their intention to resolve the matter. 

Despite this, I recently received another negative mark on my credit report for XXXX, indicating I was 30 days past due. When I contacted the company to escalate the issue, they informed me that they could not take further action and advised me to dispute the matter with the credit bureaus. Although I have submitted disputes, the company continues to report inaccurate and misleading information to the credit bureaus, which remains unresolved.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I closed my account after being informed by the company that I needed to provide bank details due to a fraud alert associated with the account I was using. This alert occurred after I had made approximately five payments. Upon closing my account, I requested that the company send me the final statement via mail so I could pay off the balance and ensure the account was settled with a XXXX balance. However, I never received a bill. 

In XXXX, I noticed a significant drop of XXXX points on my credit report due to a missed payment for that month. I promptly contacted the company, paid the balance in full, and they assured me the issue would be corrected. They also provided a letter confirming their intention to resolve the matter. 

Despite this, I recently received another negative mark on my credit report for XXXX, indicating I was 30 days past due. When I contacted the company to escalate the issue, they informed me that they could not take further action and advised me to dispute the matter with the credit bureaus. Although I have submitted disputes, the company continues to report inaccurate and misleading information to the credit bureaus, which remains unresolved.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I closed my account after being informed by the company that I needed to provide bank details due to a fraud alert associated with the account I was using. This alert occurred after I had made approximately five payments. Upon closing my account, I requested that the company send me the final statement via mail so I could pay off the balance and ensure the account was settled with a XXXX balance. However, I never received a bill. 

In XXXX, I noticed a significant drop of XXXX points on my credit report due to a missed payment for that month. I promptly contacted the company, paid the balance in full, and they assured me the issue would be corrected. They also provided a letter confirming their intention to resolve the matter. 

Despite this, I recently received another negative mark on my credit report for XXXX, indicating I was 30 days past due. When I contacted the company to escalate the issue, they informed me that they could not take further action and advised me to dispute the matter with the credit bureaus. Although I have submitted disputes, the company continues to report inaccurate and misleading information to the credit bureaus, which remains unresolved.

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: 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 reports within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C.168.i, which mandates a reasonable investigation of dispute. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C, 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX, XXXX and XXXX have inaccurate information on me and on my accounts and income

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: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/1997 Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit XXXX agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account with XXXX XXXX XXXX : Account Number XXXX, and another account with XXXX XXXX XXXX : Account Number XXXX, which have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of these accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that these consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
I reached out to Sallie Mae when I saw there would be trouble paying for a few months. The agent told me the accounts could be temporally deferred until which time I could continue paying. 

All accounts are now being paid on time and I even paid fees what was described as a deferment period. Unfortunately, I now have late payments on my report preventing me from approving for a home loan. I feel like Sallie Mae tricked me to get extra fees out of me when I was having trouble financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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