vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 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: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 
Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX INQUIRY Creditor Name XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Unauthorized inquiry. - DELETE!!! 
I hope this message finds you well. I am writing to bring to your attention my recent discovery of an unauthorized inquiry on my credit report, linked to my account [ account_ name ] - XX/XX/XXXX. I must express my disappointment and concern regarding the presence of such an inquiry, as it is in direct violation of the Fair Credit Reporting Act, which mandates the protection of my personal information and necessitates explicit authorization for access. In light of this, I respectfully request that you promptly furnish me with substantiated evidence explaining the rationale behind this unauthorized inquiry. I trust that you share my sentiment that these unwarranted inquiries have no rightful place on my credit report, and I seek your immediate assistance in rectifying this matter. 
Upon receipt of my credit report, I have observed with considerable disappointment and concern the presence of credit inquiries made by entities for which I have no recollection of granting authorization. It is firmly established that any inclusion of an inquiry on my credit file without explicit consent is categorically unacceptable. Consequently, I earnestly implore you to expeditiously initiate the necessary measures to eliminate this specific inquiry from my credit file without delay. Furthermore, I kindly request the provision of comprehensive documentation attesting to your diligent investigation and subsequent eradication of the unauthorized inquiries in question, as this would be greatly appreciated. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX of 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 2025-02-07 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I received phone calls every morning at XXXX daily from an unrecognizable caller. I researched the number and answered the call. When answered, they identified themselves and I then requested the following information : 1 ) Proof of debt - was required to call company debt originated with. They would not provide me proof of debt. Was explained this was debt form XXXX being collected in XX/XX/XXXX. 
2 ) Account information 3 ) Steps moving forward They stated they would send me a letter vis email. Keep in mind no original letter was ever sent and this is the only documentation I have received to date which is attached. 

I was never given a 30 day dispute nor provided any itemization. 

The name of Collection Agency Prince-Parker and Associates Received a sketchy letter that does not even look legit. ( Attached )

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 2025-02-07 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: MI

Complaint narrative:
XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Transunion, I am writing to formally dispute unauthorized inquiries listed on my credit report. Upon reviewing my report, I noticed the following inquiries that I do not recognize and did not authorize : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Since I did not authorize these inquiries, I am requesting their immediate removal from my credit file. 

Please investigate this matter and provide me with documentation verifying that these inquiries were authorized. If you can not provide such proof, I ask that you delete them from my credit report as soon as possible. 

I have attached a copy of my credit report with the disputed inquiries along with a copy of my identification for verification purposes. 

Please respond to this dispute in writing within 30 days of receiving this letter, as required by the FCRA. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
There are four hard inquires on my equifax credit report that I did not authorize nor do I recognize. Ive reached out to the companies but unfortunately couldnt get anywhere. 
XXXX XXXX automotive is a car shop they dont pull credit. I got this information when I called the number attached to my inquiry. 
XXXX and XXXX XXXX  are unauthorized, XXXX doesnt have real contact 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 2025-02-07 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX University under the belief that their advertised graduation rates, job placement success, and post-graduation salary expectations were accurate. XXXX falsely claimed that a high percentage of graduates secured jobs in their field with competitive salaries and that the university provided meaningful career placement assistance. These claims were a significant factor in my decision to enroll and take on substantial student loan debt. 

However, these promises were misleading. XXXX was later proven in court to have falsified this information, and my experience reflects this deception. The school did not provide the career assistance they advertised, and I did not receive the job opportunities or salary expectations they promised. Furthermore, the tuition was significantly higher than comparable institutions, making the financial burden even greater. 

I am filing this complaint with the Consumer Financial Protection Bureau to seek accountability for these deceptive practices and request any available relief for the financial harm caused by XXXX fraudulent misrepresentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: OK

Complaint narrative:
I tried to explain that they have once again have put the amount on there and -5 times on my credit for the SAME bill and that is against the law I've reached out to the original person of the bill and they advised me that once the debit leaves their hands their is nothing they can do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 Tranfser Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate and redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was exposed in the both data breach. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
On XXXX, I opened a Coinbase account. I am new to cryptocurrency and wanted to try it. I purchased roughly {$1000.00} in cryptocurrency. On XXXX, I tried to purchase more, and got a message my buying had been XXXX. I have been locked from buying for 14 days now. I have verified my social security number and photos of my drivers license and self photo multiple times for account identity verification. Each time I send, I get a green checkmark. A few minutes later I get an email saying verification failed. I have spent hours waiting on hold via phone and chat without reaching a human. Finally on XXXX i spoke with a representative via chat, and she transferred me to a level XXXX XXXX who said I need to resubmit photos. Ticket XXXX. I have since resubmitted photos numerous times and still get the same error. Each time i contact support they tell me verification failed. Today they informed me I would have to wait another XXXX  days for a new account verification. All I need is a human to look at the photos I submitted and tell me what the issue is. Kentucky XXXX ID XXXX XXXX are holographic. I dont know if that might be the issue with their AI approval or not. Any help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-07 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-02-07 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: MD

Complaint narrative:
Its incredibly frustrating to see accountsshowing up inaccurately on my credit report. Ive tried multiple times to resolve this with you, but nothing has been done.

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 2025-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: North American Credit Services
State: FL

Complaint narrative:
Hi I went to the XXXX XXXX with a severe emergency on XX/XX/XXXX, I was covered for the no surprised act, XXXX XXXX never try to negotiate my bill, not only they charged me a ridiculous amount of a huge bill, they treated me without respect disrespecting me and discrimination by my XXXX group, now I have a bill from NORTH AMERICAN CREDIT SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX For {$2900.00} which should have been settled. Please help me out im currently pregnant and this is not fair for my family, being lied to by medical professionals and medical collectors. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately reinvestigated. The in accuracies are highly injurious to my credit score. 

Accounts The accounts are SXXXX XXXX XXXX  account number XXXX and account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX account number XXXX and account number XXXX. 

In accordance with The fair Credit Reporting act public law XXXX title vi section XXXX, provide the names and business addresses of each individual with whom you verified and follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2025-02-07 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: IL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like these items immediately reinvestigated. The in accuracies are highly injurious to my credit score. 

Accounts The accounts are SXXXX XXXX XXXX  account number XXXX and account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX account number XXXX and account number XXXX. 

In accordance with The fair Credit Reporting act public law XXXX title vi section XXXX, provide the names and business addresses of each individual with whom you verified and follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief