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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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 non-monetary relief
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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: IL

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX - XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

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 — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
Monarch recovery keeps calling me. I've told them to cease and desist, and have blocked their numbers. They keep calling with different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

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 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: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
This is a Complaint Regarding Data Breach, FERPA and Title IV Violations, and Request for Immediate Discharge of Student Loans I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.Department of Education ( DOE ) and the Department of Government Efficiency ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
XXXX XXXX, credit repair company back in XXXX  me with their services to assist with credit repairs. The upfront charges were {$190.00} and then {$130.00} monthly then after the fourth month, I reached out to the company because I was instructed to do so by them. When I spoke with someone they stated that someone would get back in touch with me via email or by text. The only text I received and email were from XXXX  XXXX  marketing team soliciting me to sign up with them for their services. Even still today XXXX, the same company keeps sending text and emails asking me to sign up with them for their services. I have never once seen any changes nor was I contacted about my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I am disputing an UNAUTHORIZED ACCOUNT ( XXXX XXXX  XXXX XXXX ) that is being WRONGLY REPORTED on my credit file. At no point did I give WRITTEN AUTHORIZATION for this account to be included, making this a CLEAR VIOLATION of 15 USC 1681b ( 2 ). Reporting an account WITHOUT MY CONSENT is not just XXXX is UNLAWFUL. Furthermore, credit reporting agencies have a XXXX  XXXX  under 15 USC 1681e ( b ) to maintain MAXIMUM POSSIBLE ACCURACY, yet this account REMAINS INCORRECTLY REPORTED despite my disputes. I have already disputed this account, and it SHOULD NOT TAKE MULTIPLE DISPUTES to correct AN OBVIOUS ERROR. Continuing to report an UNAUTHORIZED ACCOUNT without verifying its legitimacy VIOLATES FEDERAL LAW. Under 15 USC 1681i, I have the RIGHT TO DISPUTE INACCURATE INFORMATION, and credit reporting agencies have the LEGAL DUTY to investigate and correct errors IMMEDIATELY. Ignoring these obligations EXPOSES THEM TO LIABILITY under 15 USC 1681n FOR WILLFUL NONCOMPLIANCE and 15 USC 1681o FOR NEGLIGENT NONCOMPLIANCE, with damages of at least {$1000.00} PER VIOLATION, plus ADDITIONAL PUNITIVE DAMAGES if this continues. This INCORRECT REPORTING has already caused UNNECESSARY HARM, including FINANCIAL DAMAGE and NEGATIVE IMPACTS TO MY CREDIT PROFILE. I expect the IMMEDIATE REMOVAL OF THIS ACCOUNT, WRITTEN CONFIRMATION OF THE CORRECTION, and AN UPDATED CREDIT REPORT reflecting these changes. THIS SHOULD NOT REQUIRE ANOTHER DISPUTE. If this issue is NOT RESOLVED IMMEDIATELY, I will ESCALATE THROUGH LEGAL AND REGULATORY CHANNELS to ensure FULL COMPLIANCE with the FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NJ

Complaint narrative:
I am disputing an UNAUTHORIZED ACCOUNT ( XXXX XXXX  XXXX XXXX ) that is being WRONGLY REPORTED on my credit file. At no point did I give WRITTEN AUTHORIZATION for this account to be included, making this a CLEAR VIOLATION of 15 USC 1681b ( 2 ). Reporting an account WITHOUT MY CONSENT is not just XXXX is UNLAWFUL. Furthermore, credit reporting agencies have a XXXX  XXXX  under 15 USC 1681e ( b ) to maintain MAXIMUM POSSIBLE ACCURACY, yet this account REMAINS INCORRECTLY REPORTED despite my disputes. I have already disputed this account, and it SHOULD NOT TAKE MULTIPLE DISPUTES to correct AN OBVIOUS ERROR. Continuing to report an UNAUTHORIZED ACCOUNT without verifying its legitimacy VIOLATES FEDERAL LAW. Under 15 USC 1681i, I have the RIGHT TO DISPUTE INACCURATE INFORMATION, and credit reporting agencies have the LEGAL DUTY to investigate and correct errors IMMEDIATELY. Ignoring these obligations EXPOSES THEM TO LIABILITY under 15 USC 1681n FOR WILLFUL NONCOMPLIANCE and 15 USC 1681o FOR NEGLIGENT NONCOMPLIANCE, with damages of at least {$1000.00} PER VIOLATION, plus ADDITIONAL PUNITIVE DAMAGES if this continues. This INCORRECT REPORTING has already caused UNNECESSARY HARM, including FINANCIAL DAMAGE and NEGATIVE IMPACTS TO MY CREDIT PROFILE. I expect the IMMEDIATE REMOVAL OF THIS ACCOUNT, WRITTEN CONFIRMATION OF THE CORRECTION, and AN UPDATED CREDIT REPORT reflecting these changes. THIS SHOULD NOT REQUIRE ANOTHER DISPUTE. If this issue is NOT RESOLVED IMMEDIATELY, I will ESCALATE THROUGH LEGAL AND REGULATORY CHANNELS to ensure FULL COMPLIANCE with 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 2025-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am not sure this is right place to report-XXXX  connect is a student loan servicer for Younomics, who I believe is from XXXX  XXXX XXXX loans back in the early XXXX 's. My loan is from XXXX when I borrowed {$13000.00}. I graduated around XXXX and started making monthly payments thereafter, I did do a few deferments due to maternity leave and went back to school for my XXXX  but I do not believe I stopped paying during that time. I have been paying on this loan monthly XXXX as automatic payment. I recently started looking into the statements as my balance hardly changes I am still sitting at a balance of XXXX. Yearly I pay XXXX towards my balance and for the past XXXX  years when looking back at tax interest statements I have paid XXXX in interest. Which means my payment is literally just going to interest, which is variable between XXXX % monthly. when I look at each individual monthly statement it looks like it goes down like {$20.00} a month but then the next month they just raise the interest and you are right back to the previous balance. 

I have tried to reach out to them via email with this and have yet to hear back. Assuming, at a minimum if I paid for XXXX  years total after my deferments are accounted for I have paid them over XXXX XXXX and they show a maturity date of XXXX. I am not sure if what they are doing is illegal or if this is normal, but my other student loans actually go down. I did consolidate my private loans a few years ago and have already paid off XXXX ( XXXX or maybe XXXX ) would not allow this one in the consolidation for some reason though? 

Any assistance would be greatly appreciated or if you can point me in the direction of who I need to report this to would be greatly appreciated. Speaking to them on the phone I am told that they just service the loan-which I understand means they just do the billing for Younomics/My XXXX  XXXXbut I am only able to email Younomics and again have heard nothing 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: IN

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-12 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:
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. 
DPEDXXXX XXXXXXXX DPEDXXXX XXXXXXXX DPEDXXXX XXXX DPT TREASURY XXXX DPEDXXXX XXXXXXXX

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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2025-02-12 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-02-12 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: NC

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion, Experian, and Equifax credit reporting 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 personal credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Bank on XX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned 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 the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned 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 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: Fig Tech Inc.
State: FL

Complaint narrative:
On XX/XX/year> I was notified that a loan was opened up in my name fraudulently with fig tech inc - phone number is XXXX. 
They verified that the account was in fact fraud ( see email attached ) and said they would have it removed from my credit within 10 business days. XXXX  of the XXXX  credit bureaus have since removed it from my credit. But XXXX  has some how verified the account as valid? Insane. I have contacted XXXX  and they advised me to do a complaint. I want to do a complaint on XXXX  and figloans. Figloans has confirmed they have sent the information to remove from my credit. XXXX even though I filed multiple fraud reports continues to view this account as accurate and even hit me with a missed payment now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: AR

Complaint narrative:
A complaint was filed on XXXX XXXX about the inaccuracies of my accounts. These debts are considered as charge offs/ write offs. However, this is considered income, but for the fact that 1099c should have been provided for every account that was closed and written or charged off, in order to account for this income.

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 2025-02-12 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:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont know why. I routinely monitor my report, but this time, unexpected errors appeared. I tried refreshing my browser in case it was a temporary issue, but the incorrect accounts remained. Due to this, I am requesting a detailed review of the documents I provided to ensure that I wont have to deal with this issue again.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a Form 1099-K in the mail stating I had over {$8100.00} of income last year through the app. I've never used the app, so someone seems to have created an account with my identity. 

Cash App has been very unhelpful, suggesting that I report it to local police and report to XXXX. I filed a report, but it also tells me to contact Cash App. Shouldn't Cash App be the one doing the investigation of who opened the account under my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MA

Complaint narrative:
I was an employee with XXXX XXXX XXXXXXXX XXXX XXXX in XXXX and became a tenant at XXXX XXXX XXXX in XXXX of that year. My roommate, XXXX XXXX, moved in at the same time. My regional manager, XXXX XXXX, stated that she would terminate my lease if I decided to end it early, due to my employment status. I opted to move in with my partner in XXXX, and informed XXXX that she would need to vacate if she did not qualify to remain in the apartment. I surrendered my keys to leasing consultant, XXXX XXXX, on XX/XX/XXXX, and gave him my forwarding address. XXXX was aware of this forwarding address for at least a month before I moved into my new home, and we had numerous discussions about the town/neighborhoods, etc. Several months later, in XXXX of XXXX, I received a letter from the company informing me of an {$18000.00} debt. I deduced that my roommate refused to leave and needed to be evicted. I reached out to XXXX XXXX, XXXX XXXX via email, and received no response. I reached out to XXXX XXXX by phone, and was informed by an assistant manager that legal letters were sent to my last known address and any problem receiving them on my end had to do with the post office. According to her, my last known address was within XXXX XXXX, and the company had directed its attorney to send notices of delinquency to my old XXXX XXXX address. In addition to giving XXXX my new address in XXXX, I changed my official address with the post office at that same time. Additionally, XXXX used an attorney, XXXX XXXX, to file this complaint against me. However, XXXX and I worked closely together at my new company, and despite very frequent contact, she never informed me that she was suing me. Due to the above information, I intend to dispute this debt.

Company response to consumer: Closed with explanation