vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint independently, without any involvement from a third party. Attached is a letter providing detailed information about the items listed on my credit report. I have never had a contractual relationship with XXXX. I believe the original creditor, XXXX XXXX XXXX, sold my account without proper notification, which constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I have been trying to inform all three credit reporting agencies about inaccurate information being reported on my credit report. They have not shown me the method or the proof of how they are validating that the information is correct or mine. It is still showing up on my credit report. I tried working with them and they did not properly investigate my accounts. I have numerous attempts to clear this inaccurate information. I asked them to delete and they refused to comply with the Credit Fair Act. 

Student Loan {$3700.00} Account number XXXX date opened XXXX XXXX, XXXX Dept Education {$13000.00} Account XXXX opened on XXXX XXXX, XXXX XXXX XXXX {$1300.00} Account number XXXX opened XXXX, XXXX XXXX XXXX XXXX {$1100.00} Account number XXXX opened on XXXX XXXX, XXXXXXXX XXXX XXXX {$2300.00} Account number XXXX open 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 explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
XXXX has breached my private data. This is violating my rights under 15 USC 1681. This is a violation of privacy. I also want XXXX to start reporting my credit accurately and taking off any negative reports or charge offs. I have proof of identity theft and get a IRS pin number every year. On XXXX and TransUnion my credit report is somewhat accurate. I would like this taken care of, per 1681n Civil liability for willful noncompliance, meaning ; if a company knowingly or recklessly violates the FCRA, legal action will be taken. Thank 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 explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
XXXX has breached my private data. This is violating my rights under 15 USC 1681. This is a violation of privacy. I also want Experian to start reporting my credit accurately and taking off any negative reports or charge offs. I have proof of identity theft and get a IRS pin number every year. On XXXX and XXXX my credit report is somewhat accurate. I would like this taken care of, per 1681n Civil liability for willful noncompliance, meaning ; if a company knowingly or recklessly violates the FCRA, legal action will be taken. Thank 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 explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to get equifax to change my birthdate since XXXX. I've submitted my drivers license multiple times. I do know have the resource to mail a copy of my license or birth certificate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NV

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am overwhelmed by my student loans, which have become unmanageable. I can not afford to make any payments, and I urgently need help to eliminate my entire balance. The delinquency on my loans has left me homeless and unable to secure a job, an apartment, or even a credit card. Daily harassment from credit agencies through emails and phone calls adds to my distress. I request your assistance in contacting XXXX XXXX  to understand why my loans are so high. I am exhausted from this situation and desperately seek to regain my freedom and stability. Please help me resolve this ordeal as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 filling a complaint against Cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the 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 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 2025-01-25 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: OH

Complaint narrative:
I filing this complaint regarding multiple inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation removal of this item, as it is incorrect and does not reflect my TRUE credit history.

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 2025-01-25 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: OH

Complaint narrative:
I filing this complaint regarding multiple inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation removal of this item, as it is incorrect and does not reflect my TRUE credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Vance and Huffman LLC, I am writing in response to your recent communication regarding the debt listed above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you provide validation of this alleged debt. 

Specifically, I request the following information : Documentation proving that you have the legal right to collect on this debt, including proof of assignment or sale of the debt from the original creditor to your agency. 
A copy of the original signed contract or agreement that created the debt. 
A detailed accounting of the debt, including all fees, interest, and charges added to the original balance. 
Evidence that this debt is within the applicable statute of limitations for collection in my state. 
Additionally, under the Fair Credit Reporting Act ( FCRA ), I am requesting that you cease reporting this account on my credit report until you provide sufficient proof that this debt is valid. Failure to do so violates federal law and could result in legal action. 

If you can not provide the requested validation, I demand that you : Cease all collection activities regarding this debt. 
Remove this account from all credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Please note that this is not a refusal to pay but a request for clarification and validation. I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or my state attorney general if your agency continues to attempt collection without proper documentation. 

I expect your response within 30 days of receiving this letter. If I do not receive a response, I will consider this matter resolved, and you will be obligated to cease collection efforts and remove this account from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: AZ

Complaint narrative:
ITS BEEN 30 DAYS & I HAVENT RECEIVED ANY UPDATES ABOUT MY DISPUTES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
ITS BEEN 30 DAYS & I HAVENT RECEIVED ANY UPDATES ABOUT MY DISPUTES

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 2025-01-25 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: AZ

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint independently, without any involvement from a third party. Attached is a letter detailing the items reflected on my credit report. I have never had a contractual relationship with XXXX XXXX. I believe the original creditor, XXXX, sold my account without proper notification, which is a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) concerning the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am submitting this complaint independently, without any involvement from a third party. Attached is a letter providing details about the items listed on my credit report. I have never had a contractual relationship with TRANSWORLD SYSTEMS INC. I believe the original creditor, XXXX XXXX, sold my account without proper notification, which constitutes a clear violation of Section 611 of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: NJ

Complaint narrative:
I am writing to formally complain about an inaccurate credit reporting issue concerning a XXXX  XXXX XXXX credit card account that belonged to my late father-in-law. I was added as an authorized user on this account without my request or consent, solely to facilitate purchases on his behalf. I did not accept any financial responsibility for this account. 

Unfortunately, I have discovered that this account shows a 30-day late payment reported in XX/XX/year>, which is now reflected on my TransUnion credit report. This late payment is the only negative mark in my credit history, and I believe it is unjustly affecting my credit score.

As the account is now closed and my father-in-law deceased, I have been unable to obtain any contact information to address this issue directly with XXXX XXXX XXXXXXXX. I have made numerous attempts to resolve this matter, but I have not received any assistance or clarity regarding the late payment that is not reflective of my actions or financial responsibility. 

I kindly request the removal of this inaccurate late payment from my credit history, as it does not pertain to my credit account or any obligations I have incurred. I would appreciate your assistance in investigating this matter and ensuring that my credit report accurately reflects my financial behavior. 

Thank you for your attention to this issue. I look forward to your prompt response and 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 2025-01-25 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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