vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-13 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-13 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 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:
CASH APP Hi XXXX, Looking at your account, I can confirm that this {$710.00} payment was successfully sent to XXXX XXXXXXXX. Cash App is unable to cancel or refund completed payments. 

If the recipient is having trouble accessing that account, please have them contact us via their app. 

Feel free to pass this info along to the recipient, and let me know if you have any questions. 

If you have any other questions, feel free to reach back out to Cash App XXXX.

Warm Regards, XXXX Cash App XXXX Manager I sent this money to my daughter old cash app that she didnt have access to for an emergency once we realize that it was the old cash app we called to see if we could have the money sent back to me or sent to her new cash app and they never helped us they basically rob for money that they seen but never issued it back to me or my daughter. My daughter reached out to them gave all her information to verify she was in fact the person and verify with cash app that it was her cash app and never sent her or I the money its just sitting on an old account and they wont give us back our money.,. Please see the message from cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: LA

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
For several years now, I have been trying to get an affordable repayment plan for my student loan with Navient. Every time I ask for this, I am put into a forbearance plan. I have asked several times for an affordable payment plan so that I can pay down the principal of the loan. I have had this loan for almost 20 years now and have remained at roughly the same principal balance for the last 10 years. After the XXXX lawsuit against Navient, I called them to see if my loan qualified for the settlement, I was told that because I was not 60 past due or delinquent, and because my loan was current, I was ineligible for the settlement. I told them, I was only current because I was in forbearance, plus I didn't want to hurt my credit. At that time, I asked for an affordable payment option and was not eligible for any other option because I was in forbearance. Once that forbearance ended ( 6-month period ). I called them back and asked for an affordable payment option, but wouldn't you know it, there wasn't one and they offered me forbearance again. I have been on forbearance since XXXX, and the company will not offer another affordable payment plan. This is exactly the practice that they were sued for and has been happening to me since the company was owned by Sallie Mae.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-02-13 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: CA

Complaint narrative:
XXXX XXXX XXXX account is XXXX XXXX XXXX, and Equifax refuses to remove it off of my credit report. On XX/XX/XXXX, Equifax notified CFPB that it was deleted however it is still showing on my credit report. 
XXXX original report date EQUIFAX ASKING ME FOR DRIVER LICENSE AND SSN HOWEVER I AM A VICTIM OF FRAUD XXXX  TIMES. EQUIFAX HAS XXXX SECURITY CLEARANCE FOR AN INDIVIDUAL. THIS WOULD BE DANGEROUS TO GIVE ANYONE OTHER THAN A GOVERNMENT AGENCY TO GIVE THIS TYPE OF INFORMATION. THIS LEAVES MORE ROOM OF GETTING FRAUDED. 

EQUIFAX ALREADY HAD A SECURITY BREACH. 

EQUIFAX BEING SUED XXXX XXXX FOR REPORTING FALSE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2025-02-13 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has failed to fulfill their 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 TransUnion, 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 or Allow disputes with all the creditors in question to be submitted. These failures align with my experience where TransUnion has neither corrected or removed the item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account as TransUnion inaction violates federal law and my rights as a consumer.

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 2025-02-13 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-13 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had XXXX  large deposit come in for XXXX in my account chime closed my account have yet to send a refund respond or even send the money back to the sender that deposit these funds where for my unemployment I have face financial hardship ever since chime ask me a while back to send it so many documentation I have provided to them I tried calling this morning they told me they would email me have yet to receive a email I feel robbed sick to my stomach this company closed my account and took my money told me I can not get a refund for my money please help it has been XXXX  years now that I am trying to recover my funds I have moved I am XXXX  in a shelter I really need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have opened disputes to disputes this and am not provided with the letter of notification Under 15 USC 1681s-2 ( a ) ( 7 ) they must provide prior notification to me before reporting to the credit agencies of their intentions.

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 2025-02-13 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: MA

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

XX/XX/XXXX( open date : XX/XX/XXXX )XX/XX/XXXX( open date:XXXX ) dept of ed ( open date : XX/XX/XXXX ) dept of ed ( open date : XX/XX/XXXX ) dept of ed ( open date : XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 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: MA

Complaint narrative:
I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

XX/XX/XXXX( open date : XX/XX/XXXX )XX/XX/XXXX( open date:XXXX ) dept of ed ( open date : XX/XX/XXXX ) dept of ed ( open date : XX/XX/XXXX ) dept of ed ( open date : XX/XX/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 2025-02-13 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: WI

Complaint narrative:
Enclosed is proof that this account is reporting inaccurate. I have no late payments for XXXX but I have late payments for Experian. I've asked Experian too remove these late payments to no avail. I've requested this account be investigated for maximum accuracy within it's reporting and of course Experian was doing sham investigations at the time so I couldn't get the late payments deleted, or they refused to properly investigate so they could be deleted. Simply " parroting '' information from Data Furnishers without an actual independent verification constitutes willful non-compliance, as affirmed in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ). I'm filing this complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently respond immediately stating the account is Accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Experian actions may contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB recent administrative proceeding ( File XXXX ) against other bureaus for similar violations. I request that the CFPB take action to ensure Experian complies 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 explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
My information ( Credit ) has been breached and stolen. I am not aware of most the debts looking to be paid or owed money to.

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 2025-02-13 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Subject : Formal Dispute of Debt with Portfolio Recovery Associates , LLC To Whom It May Concern, I am writing to formally dispute the debt that Portfolio Recovery Associates , LLC ( PRA ) is attempting to collect from me. PRA claims that I owe a debt that they allegedly purchased from XXXX XXXX XXXX, but I have no contractual agreement or business relationship with PRA. Furthermore, I dispute this debt as fraudulent because I never opened or authorized such an account.

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am requesting full validation of this debt, including but not limited to : 1. A copy of the original signed agreement between myself and XXXX XXXX XXXX  proving I legally incurred this debt.

2. A detailed payment history from XXXX XXXX XXXX  showing how this alleged debt was calculated.

3. Proof that Portfolio Recovery Associates , LLC has the legal right to collect this debt.

4. Documentation that verifies the legitimacy of the debt, including any agreements that show I agreed to its transfer.

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), I demand that this account be removed from my credit report unless Portfolio Recovery Associates can provide legally sufficient proof that I am responsible for this debt. Reporting inaccurate or unverified information to credit bureaus is a violation of federal law. 

I have already disputed this debt, and if PRA continues to report it or attempt collection without proper validation, I will explore legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ) and State Attorney Generals Office for unfair and deceptive collection practices.

If Portfolio Recovery Associates can not provide legitimate proof that I owe this debt, I demand that they : Cease all collection activity immediately. 
Remove any negative reporting related to this debt from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Please respond to this dispute in writing within 30 days of receipt, as required by law. Failure to provide sufficient documentation will confirm that the debt is invalid, and any further attempts to collect will be considered a violation of my rights. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief