vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
The app CashApp has allowed funds to be taken from my debit card without my authorization.

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
Original creditor : XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/year> XXXX U.S.C 1681 section 602 A. State i have the right to privacy. 

15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
Original creditor : XXXX XXXX XXXX XXXX XXXX {$3700.00} XX/XX/year> XXXX U.S.C 1681 section 602 A. State i have the right to privacy. 

15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-02-24 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: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated rights. 
PNIX REC GRP {$8700.00} XX/XX/year> 15 U.S.C 1681 section 602 A. State i have the right to privacy. 




15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair credit reporting Act Account # XXXX, has violated rights. 
PNIX REC GRP {$8700.00} XX/XX/year> 15 U.S.C 1681 section 602 A. State i have the right to privacy. 




15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-02-24 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: NH

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app not having a financial administrator to talk to whenever I called so I want to be part of the class action lawsuit that is supporting people for all their money back from not CASH APP NOT BEING AVAILABLE FOR FRAUDULENT ACTIVITIES

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
On XX/XX/year>, I identified an unauthorized account from XXXX XXXX XXXX, originating from XXXX XXXX listed on my TransUnion credit report. I have never established any account, submitted an application, or engaged in any business dealings with either entity that would provide them a permissible purpose to access or report on my credit file. This account was opened without my knowledge or consent, and I believe it to be a result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the following protections : 15 U.S.C. 1681b : This section limits access to my credit report to only those with a permissible purpose, such as my explicit authorization or an existing business relationshipneither of which applies here.

15 U.S.C. 1681c-2 : This mandates that credit reporting agencies block information resulting from identity theft upon proper notification, which I am providing through this report and my filing with IdentityTheft.gov.

15 U.S.C. 1681i : This requires TransUnion to promptly investigate disputed information and remove any data that can not be verified as accurate or authorized.

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 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX Subject : Dispute of Incorrect Credit Report Information - Student Loan Debt Dear CFPB I am writing to formally dispute the inclusion of a student loan debt in my credit report. The debt is listed under XXXX XXXX and is reported and being collected. According to the Florida Consumer Credit Protection laws and relevant federal regulations governing student loans, student loans can not be treated the same as general consumer debt, and debt collectors are not authorized to collect on federal student loans in the manner this debt has been reported.

Please review this information carefully. I believe this entry violates the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws regarding federal student loan collections. I request that you investigate this matter and remove the debt from my credit report if it is determined to be inaccurately reported. 

Please provide me with a written response confirming that this dispute has been processed and, if necessary, the actions taken to correct the issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I sent a certified letter to dispute this alleged debtUSPS tracking XXXX, but the Post Office couldnt deliver it. Thankfully, the CFPB portal is still up and running, so I can still file disputes here. This dispute is still within the validation period before the debt collector assumes debt to be valid.

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 2025-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I went to the emergency room! I had Insurance. Just on XX/XX/XXXX i was notified about medical bill. So i called my Insurance XXXX that i had at the time and asked them about why my bill wasnt paid. The lady stated that the explanation she seen on file was the file wasnt claimed by the deadline

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 2025-02-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX 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 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair credit Reporting Act ( FCRA ), 15 USC 1681970 credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in lending Act ( TILA ), 15 USC 1601. It's is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Bellow are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX , and I am writing to formally dispute certain accounts that have been inaccurately reported on my credit report. Upon reviewing my credit report in XX/XX/XXXX, I noticed that the following accounts should not be reflected in my credit history, as I have no knowledge of them or the balances reported are incorrect. Please find the details of the disputed accounts below : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account Status : Unverified 2. Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Reported Balance : {$2100.00} Account Status : Unverified Under the Fair Credit Reporting Act ( FCRA ) of 1970, I have the right to dispute any incorrect or unverifiable information on my credit report. The FCRA mandates that credit reporting agencies must verify the accuracy and completeness of the information reported. If they can not verify the information within a reasonable time frame, it must be removed from my credit report.

I refer to the following key sections of the FCRA that support my dispute : Section 609 ( 15 U.S.C. 1681g ) : The right to obtain a copy of my credit report and to dispute any incorrect or incomplete information.

Section 611 ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information within 30 days. If they can not verify the information, they must remove it from my credit report.

Section 605 ( 15 U.S.C. 1681c ) : Limits the amount of time certain types of negative information can remain on my credit report ( e.g., unverifiable accounts must be removed if they can not be verified ).

I kindly request that you investigate and remove the accounts listed above, as I have no knowledge of them or, in the case of the XXXX account , the reported balance is incorrect. If you are unable to verify the information within the 30-day period required by law, I expect that appropriate measures will be taken to correct my credit report and remove the referenced accounts.

Attached to this letter are the documents that support my dispute. I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction of my credit report soon.

Sincerely, XXXX XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
My car XXXX XXXX XXXX XXXX XXXX  was repossessed XX/XX/XXXX. While being repossessed it was damaged by the Tow company XXXX XXXX. I have sent over everything i possibly could in support of my claims. I sent all my evidence to XXXX XXXX XXXX XXXX XXXX as well as Credit Acceptance. The claims are being denied simply because I'm just a XXXX a XXXX  who is behind on payments so that must mean I'm lien about the damages. Plus regardless if the car gets fixed or not not tow company will get another dollar for repossessing the car again and CAC will get another dollar by selling it at the auction. They dont give a XXXX about my claims, or equality. I asked on multiple times from XXXX XXXX as well as CAC to provide me with reason / proof as to why my claims were denied. The car is mine until repossessed again, right? so why cant i get any information on my car? CAC wants me to continue to pay for the car but wont provide any proof as to what im currently being stuck with. Which is a lemon! Im trying my hardest to understand why is their side of proof being held so secretly? Its because they have no proof to support their claims beside repeating what they see in the video i sent to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX know they damaged the car. CAC or XXXX XXXX XXXX counted on me not recovering car. this was suppose to be a situation being swept under the rug as if it never happened, NOT THIS TIME! CAC has denied to review or provide me proof of what happened to my car. Its just that im a XXXX XXXX, who is behind on payments, no equality needs to be shown to me. At the end of the day its just my XXXX lies against the XXXX XXXX, cool. GIVE UP THE PROOF XXXX XXXX SUBMITED AND THIS CAN BE OVER UNTIL THEN IT WILL BE CLAIMS EVERY DAY OF THE WEEK, PROVIDE THIER PROOF. Yall want me to call my insurance ok give me the proof to submit to my insurance

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation