vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and immediate removal of the following hard inquiries that were made without my explicit consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA XXXX, hard inquiries require my direct authorization. Since I did not authorize these, I request their removal. Please provide verification of my consent, or delete these inquiries immediately.

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 2025-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and immediate removal of the following hard inquiries that were made without my explicit consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per FCRA XXXX, hard inquiries require my direct authorization. Since I did not authorize these, I request their removal. Please provide verification of my consent, or delete these inquiries immediately.

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 2025-02-23 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: SC

Complaint narrative:
am disputing a collection account on my credit report that I believe is inaccurate. The details are as follows : Creditor Name : [ Collection Agency Name ] Account Number : [ Full or Partial Number ] Under the Fair Credit Reporting Act ( FCRA ) 1681i, I request that you investigate this account. The collection agency failed to provide proper validation as required under the FDCPA 1692g. If this debt can not be substantiated, I ask that it be removed from my credit report immediately.

Please respond within 30 days with the results of your investigation.

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 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
This letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable.

The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOHELA
State: MS

Complaint narrative:
Subject : Request for Removal of Accounts Included in Bankruptcy from To Whom it May concern, I am writing to formally request the removal of certain accounts from my credit report. These accounts were included in my bankruptcy filing in 2018 and should no longer appear on my report, in accordance with the Fair Credit Reporting Act guidelines.

The following accounts were discharged through the bankruptcy process : - Prosper - XXXX XXXX XXXX XXXX XXXX ( XXXX ) - XXXX  XXXX XXXX XXXX - MOHELA ( Department of Education ) - XXXX XXXX ( XXXX XXXX XXXX or XXXX XXXX ) - XXXX  XXXX - XXXX  XXXX XXXX XXXX - XXXX Please investigate and remove any references to these accounts from my credit report. Additionally, I would like to address the issue of any attempts to collect on these discharged accounts, as I am prepared to pursue legal action if necessary.

Enclosed is the documentation of my bankruptcy discharge, confirming that these accounts were part of the filing.

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution.

Sincerely, [ Enclosures : Bankruptcy Discharge Documentation ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-02-23 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This company repeatedly calls me and my family members at odd hours of the day, including on weekends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

Additionally, I filed a police report about these unauthorized inquires, which is attached.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The following inquiries are unauthorized : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my drivers license and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 

Thank you for your help and assistance. 

Your cooperation and prompt attention are required by law. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date of Birth : 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 explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: NJ

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification Dear XXXX Consumer Assistance XXXX XXXX XXXX- XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report. 
XXXX XXXX - XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX **** Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not.As the original creditor, only I can validate this debt. I do not validate debt Incorrect Name - XXXX XXXX- This personal information is incorrect AND HAS TO BE DELETED FROM MY CREDIT REPORT. 
in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not.

As the original creditor, only I can validate this debt. I do not validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I demand the permanent deletion of this account since at no time have I signed contracts with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : AFTER FINDING OUT MY PERSONAL DATA WAS COMPROMISED DUE TO A DATA BREACH FROM YOUR COMPANY BEHALF AND YOUR FAILURE TO PROPERLY INVESTIGATE IVE sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS I will be proceeding with litigation if you all continue to falsely report these above accounts you all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my XXXX XXXX is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, 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 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On XXXX I tried to log into my irrevocable XXXX  td bank app account and I was locked out of my account, I called customer service and they told me they could not retrieve my account details because my account was closed so I hung up. I was not notified or given full disclosure as to what or why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP
State: NC

Complaint narrative:
XXXX XXXX of XXXX, XXXX  keeps sending me notices about an almost past-due balance of {$XXXX}. The balance was due XX/XX/year>. I informed them that I will pay them once my direct deposit hits on XX/XX/year> because I only get paid once a month since I do not work and that I am a XXXX veteran. They have sent multiple emails already and this affects my XXXX as a XXXX veteran. I also found out that the vehicle that I financed with them has manufacturer defects and the issues of the defects are on-going since purchasing it from the dealership of XXXX XXXX XXXX XXXX XXXX North Carolina XXXX The sales person XXXX XXXX knowingly sold me the vehicle with the defects. He only had XXXX XXXX it around the lot XXXX time and that was it. The door sensors are faulty and keep going off and the transmission is faulty because the vehicle has cut off on me a few times while putting it in reverse and it stalls whenever I put it in reverse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX conducted predatory lending tactics towards service members in and around XXXX XXXXXXXX XXXX  My account was closed and a Settlement Check ( # XXXX ) was issued in accordance with " CFPB v. Omni Financial of Nevada , Inc. , also doing business as Omni Financial and Omni Military Loans File No. 2020-BCFP-0028 ''. They were sent a Cease and Desist letter on multiple occasions by my attorney. After removal from the Credit Reporting Agencies, they wait 90 days and reappear with a higher " Balance '' due, causing severe damage to my credit report. They have been removed from " Equifax '', " XXXX '', " XXXX '' on several occasions. This has caused irreparable damage to me and my credit report under the intention of being vindictive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX conducted predatory lending tactics towards service members in and around XXXX XXXXXXXX XXXX. My account was closed and a Settlement Check ( # XXXX ) was issued in accordance with " CFPB v. Omni Financial of Nevada , Inc. , also doing business as Omni Financial and Omni Military Loans File No. 2020-BCFP-0028 ''. They were sent a Cease and Desist letter on multiple occasions by my attorney. After removal from the Credit Reporting Agencies, they wait 90 days and reappear with a higher " Balance '' due, causing severe damage to my credit report. They have been removed from " XXXX '', " XXXX '', " Experian '' on several occasions. This has caused irreparable damage to me and my credit report under the intention of being vindictive.

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 2025-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX conducted predatory lending tactics towards service members in and around XXXX XXXXXXXX XXXX. My account was closed and a Settlement Check ( # XXXX ) was issued in accordance with " CFPB v. Omni Financial of Nevada , Inc. , also doing business as Omni Financial and Omni Military Loans File No. 2020-BCFP-0028 ''. They were sent a Cease and Desist letter on multiple occasions by my attorney. After removal from the Credit Reporting Agencies, they wait 90 days and reappear with a higher " Balance '' due, causing severe damage to my credit report. They have been removed from " XXXX '', " Transunion '', " XXXX '' on several occasions. This has caused irreparable damage to me and my credit report under the intention of being vindictive.

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