vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
My student loan was forgiven due to the XXXX student loan forgiveness program on XX/XX/XXXX. I was advised that I had an overpayment and refund in the amount of {$970.00} that was sent on XX/XX/XXXX and to allow XXXX weeks from the processed date to receive the check from the XXXX Treasury XXXX Please see attached correspondence from Aidvantage. I have this in writing from them. I've spent several hours following up after the XXXX weeks and was told to wait a little bit longer each time. Finally, my last call on XX/XX/XXXX she said they will most likely need to re-issue the check. The representative was going to escalate the issue and said they would reach out to me through correspondence online with an update. I never received an update so I called again XX/XX/XXXX and was not told there is no check coming. All I want is for them to re-issue the check that was promised in writing. We are now at XXXX weeks and I can't believe I've had to spend the amount of hours I have on this issue just to be told there isn't a check coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IN

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
SEE ATTACHED FOR INACCURATE, INCOMPLETE, AND UNVERIFIABLE ACCOUNT WITH 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 2024-12-06 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: GA

Complaint narrative:
I am experiencing ongoing harassment with XXXX XXXX XXXX. This Agency is highly unprofessional and really sucks! I contacted XXXX at XXXX on XX/XX/year> from XXXX XXXX  to XXXX XXXX. I completed a through identity verification with XXXX Customer Support rep name XXXX XXXX or XXXX. The represented refused to update my address. The representative falsely accused me of not submitting a previous dispute on XX/XX/year>. I am very upset. I uploaded my recent pay stub and current XXXX  XXXX document that proves and displays my current resident address. 

XXXX SUCKS!! The agency does not follow Federal Regulations outlined for consumers. I'm really XXXX right now! I am not going to continue to repeat myself. Also, I have never placed a Security Freeze on any of my Credit Profiles. This is a lawsuit.

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 2024-12-06 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: SC

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX. XXXX. XXXX. XXXX. XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for you collection of this alleged debt? 
Please send evidence your authorization to do business or operate in the state of ( Your state ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was scammed by an online person that claim to be able to resolve my traffic ticket. 
On XX/XX/ I sent {$100.00} to the user " XXXX '' via Cash App, then later the user stated he needed another {$80.00} to complete the job. 

Upon sending the funds, the user blocked me. I contacted Cash App for assistance, and after their investigation, they claim that there is no evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: WA

Complaint narrative:
I am writing this to dispute a account listed on my credit report that I believe is a result of identity theft. I have recently reviewed my credit report and noticed this account named XXXX XXXX  that I do not recognize, i have not authorized this and have never had any agreement or have done any business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Just got a call from " capital one '' about a {$1400.00} purchase on my card. I don't have one. I said I don't have one and hung up. The number was XXXX. I have had many other calls like this and don't give up any information. 
I'm also getting texts several times a day about virus 's and trouble with subscription payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear XXXX, I am writing to formally follow up on the dispute I submitted to you on XX/XX/2024 regarding fraudulent charge-off accounts that appear on my credit report. As I have previously stated, these accounts are the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. 

To date, I have not received a response that satisfies the FCRA requirements, nor have I been provided with evidence of your investigation into the fraudulent accounts. Specifically, the accounts in question are as follows XXXX Capital One Auto Finance XXXXXXXX As this account was opened as a result of identity theft, I respectfully request the following from you : Evidence of the Investigation : Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with these fraudulent accounts.

Verification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed accounts, including the steps you followed to confirm the legitimacy of these accounts, and the results of your investigation.

Account Blocking Confirmation : As required by the FCRA, I request that the fraudulent accounts be blocked from my credit report. If these accounts have not yet been blocked, I ask that you explain why this has not been done.

Updated Credit Report : Please provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent accounts.

I would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as pursuing potential legal action for failure to comply with the FCRA.

Please consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to request the removal of the accounts in question from my consumer credit report due to violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). LVNV Funding, LLC has failed to comply with the following statutory requirements : XXXX. FDCPA Violations : Violation of 15 U.S.C. 1692g ( Validation of Debts ) : LVNV has failed to provide sufficient validation or verification of the alleged debt as required under this section. They have only provided statements from XXXX XXXX, which do not include my signature or any evidence linking me to the alleged account. Providing generic account statements is not a valid form of debt verification, as it does not prove my liability for this debt or that the debt is valid under federal law. 
Furthermore, LVNV failed to provide the required written notice wit

hin five days of their initial communication with me. Their first communication appeared on my consumer credit report, which does not satisfy the statutory requirements for proper notice. Violation of 15 U.S.C. 1692e ( False or Misleading Representations ) : LVNVs reporting of this alleged debt to consumer reporting agencies implies its validity despite a lack of evidence or proof of my liability. Specifically, 15 U.S.C. 1692e ( 12 ) prohibits the false representation of the status or legality of a debt. I have never admitted liability for this debt and continue to dispute it. Reporting a disputed and unvalidated debt misleads third parties and damages my creditworthiness.

XXXX. FCRA Violations : Violation of Accuracy and Fairness Standards : Under the FCRA ( 15 U.S.C. 1681s-2 ( b ) ), furnishers of information are required to investigate and correct inaccurate or unverifiable information reported to consumer reporting agencies. LVNVs failure to validate the debt means that their reporting to credit bureaus is inherently inaccurate and misleading. 
Failure to Conduct Proper Investigation : When I disputed the accuracy of this information, LVNV had a duty under the FCRA to conduct a thorough investigation to ensure the account was accurate and verifiable. Instead of providing legitimate proof of debt ownership or liability, they sent incomplete and inadequate documentation ( statements from XXXX XXXX without my signature or agreement ). These documents fail to meet the standard of validation under both the FDCPA and FCRA. 

Request for Resolution The accounts reported by LVNV are unverified and inaccurate, violating both the FDCPA and FCRA. Given these violations, I respectfully request that these accounts be removed from my credit report to prevent further harm to my creditworthiness and to ensure compliance with federal laws. 

Thank you for your attention to this matter, and I appreciate your efforts in upholding consumer rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XX/XX/year> I attempted to verify my true identity information and ensure a continued credit freeze & fraud alert. The website locked me out. Suspended my access. When contacting support, the agent ( or XXXX ) insisted I had to login to my account ; but TransUnion locked me out of the account. Each time I called, I was put on hold and the call was quickly disconnected. 
I have to report a data breach and continue my credit freezes and fraud alerts. However, my VERY EXPENSIVE True Identity program through Trans Union is refusing my access to the account AND, they sent an email claiming they will not be offering the credit freezes. I have to resubmit information to continue protection. 
TransUnion is an impossible, irresponsible agency that has opened me up to liabilities, despite my paid enrollment in their true identity monitoring program.

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 2024-12-06 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: MI

Complaint narrative:
I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have an accumulation of 14 credit inquiries that I didn't authorize, I have been traveling and living abroad on and off for the last 10 years.

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 2024-12-06 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I have an accumulation of 14 credit inquiries that I didn't authorize, I have been traveling and living abroad on and off for the last 10 years.

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