vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 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 agency , 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that appears related to the aforementioned collection. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 XXXXXXXX ) 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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
have many collections on my credit file IRS said I should have received a 1099c because creditor received credit on their taxes and then sold debt. 'Why do the CFPB let a creditor write off a debt with the IRS and then sell acct for another collections company can collect off same debt ... double billing '. Try entering fewer or more general search terms. XXXX. XXXX XXXX XXXX ... .my has been bleached by XXXX and XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re XXXX Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Please delete the following closed accounts off my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have enrolled in XXXX XXXX on XXXX I believe and I have applied for private loans thru XXXX at that time to fund my education. I was promised by XXXX XXXX XXXX that my credits ( XXXX XXXX ) can be transfered to any other university after to obtain XXXX XXXX if I choose to further my education right before completing my XXXX XXXX I have reached out with them because no other school wanted to credit my degree and credits earned from XXXX XXXX and the only school that is able to accept my credit is XXXX XXXX which is very very expensive. However, after leaving me with no choice. XXXX XXXX did not credit all my earned credits from XXXX as promised by XXXX. I have lost XXXX credits I think out of XXXX credits I earned from XXXX. These leads me to more debt. After years of repaying XXXX now XXXX, I have tried to request from them to release my XXXX XXXX XXXX as my cosigner and have denied my request. I have files for bankcruptcy on XXXX due to hardship and growing family numbers ( XXXX children ) but my student loans were not dischargaeble. I have applied for school misconduct thru XXXX and denied my request without any explanations. Even if I have told them that my federal loans were discharge from XXXX XXXX which I have consolidated before and was transfered to department of education ( Mohela ). I believe that they are not reviewing my case and request knowing that I have become a victim of predatory school. If I also recalled correctly I was never put on XXXX but rather paying them full amount of money they payments from the very beginning. I have been paying them monthly payments after my graduation from XXXX XXXX on XXXX until today if I am not mistaken. I was also informed that even if they will discharge my private loans from them, I will only get refund from the date of my school misconduct application which is XX/XX/XXXX until the decision is made. Their decision was made on XX/XX/XXXX and denied my application. I have applied again for discharge and denied my application again saying that I do not meet the requirements on XX/XX/XXXX and denied again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to the recent notification from XXXX XXXX, XXXX indicating that my account has been returned to your office for further handling. This matter involves significant legal violations that need immediate attention to avoid further escalation.

Legal Violations 1.Failure to Provide Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to full validation of the debt, including the original signed agreement, itemized breakdown of the charges, and proof of legal assignment or sale to any third-party agency. Neither XXXX nor XXXX XXXX, XXXX, has provided the requested documentation.

2.Improper Reporting of Disputed Debt If this debt has been or will be reported to any credit reporting agency, doing so without proper validation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). As of this communication, the debt remains disputed, and no further reporting is lawful.

3.Negligence in Assigning Debt Afterpays decision to place this account with a collection agency without prior validation or notice to me demonstrates negligence and non-compliance with the FDCPA and Metro 2 Reporting Standards.

4.Emotional and Financial Harm The mishandling of this matter has caused undue stress and forced me to spend significant time and resources addressing these violations. This situation could have been avoided had XXXX followed the required consumer protection laws. 


Potential Litigation and Costs If XXXX fails to comply with this demand, I will have no choice but to escalate this matter. This includes : Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA. 
Pursuing a federal lawsuit seeking statutory damages of up to {$1000.00} per violation under the FDCPA and additional damages under the FCRA. 
Initiating arbitration or legal proceedings, wherein XXXX will be responsible for arbitration and legal fees. 

Case law, including XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ), underscores the legal precedent for holding companies accountable for violations of consumer rights. 

Deadline for Response You are hereby given 15 business days to respond to this letter with the requested documentation and a resolution proposal. Failure to do so will result in immediate legal action and formal complaints to the appropriate regulatory authorities.

Thank you for your prompt attention to this matter. I look forward to resolving this issue in a manner that upholds my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Identity theft has severely compromised my personal information, with unauthorized accounts and transactions falsely linked to my identity without my knowledge or consent. As a victim of this crime, I have already taken steps to report these incidents, but the ongoing presence of this fraudulent information continues to damage my financial standing and reputation. The situation has caused significant distress and requires immediate attention to prevent further harm to my credit status and personal wellbeing.

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 2025-01-31 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: PA

Complaint narrative:
i got the notification today from Experian that XXXX of the the Items ive been trying to dispute for over a year now will still remain on my report. i called the item which is XXXX XXXX to send me over some sort of form of prove i can show experian that shows that i did pay them and the item on my report is incorrect and she did and i send it over to experian asking them what kind of method are they using to validate that item is correct because is not. and is been more than XXXX  years as well so that item shouldnt be on 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 explanation
Consumer complaint received 2025-01-31 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: FL

Complaint narrative:
Accounts listed in my credit report are not true and accurate with erros and are also not reportable according to statute. 
I have repeatedly Disputed XXXX, XXXX, XXXX, and XXXX seperate instances via certified mail, XXXX instqnces Via Telephone and, XXXX Via Online dispute, the agency to Verify and if not able to verify, or show the proper method of verification to delete however they are not complying, responding to notices or correcting. 
This is causing major hardship and the inability to appropriatly take care of my family! 

Account/Order/Tracking number : XXXX Experian : XXXX  XXXX  XXXX- # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX TransUnion XXXX XXXX  XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Agency, TransUnion XXXX Equifax XXXX Experian, XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  Hide Details XX/XX/XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banking Creditor information XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Banking Creditor information XXXX XXXX  XX/XX/XXXX XXXX  XXXX  Creditor information XXXX  XXXX XX/XX/XXXX XXXX XXXX Creditor information XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXXXXXXXXXXXXXX 

Creditor information XXXX  XXXX  XXXXXXXXXXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX/XXXX XXXX  And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banking

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 2025-01-31 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: FL

Complaint narrative:
Accounts listed in my credit report are not true and accurate with erros and are also not reportable according to statute. 
I have repeatedly Disputed XXXX, XXXX, XXXX, and XXXX seperate instances via certified mail, XXXX instqnces Via Telephone and, XXXX Via Online dispute, the agency to Verify and if not able to verify, or show the proper method of verification to delete however they are not complying, responding to notices or correcting. 
This is causing major hardship and the inability to appropriatly take care of my family! 

Account/Order/Tracking number : XXXX Experian : XXXX  XXXX  XXXX- # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX TransUnion XXXX XXXX  XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Agency, TransUnion XXXX Equifax XXXX Experian, XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  Hide Details XX/XX/XXXX XXXX  XXXX  XXXX  Creditor information XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Banking Creditor information XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX Banking Creditor information XXXX XXXX  XX/XX/XXXX XXXX  XXXX  Creditor information XXXX  XXXX XX/XX/XXXX XXXX XXXX Creditor information XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXXXXXXXXXXXXXX 

Creditor information XXXX  XXXX  XXXXXXXXXXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Creditor information XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX  XXXX  Creditor information XXXX  XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX  Creditor information XXXX  XXXX  XX/XX/XXXX XXXX XXXX Miscellaneous And Public Record XX/XX/XXXX XXXX/XXXX XXXX  And XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banking

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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:
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
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I Am filling a complaint against XXXX XXXX XXXX XXXX XXXX  ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, XXXX XXXX failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore there dispute resolution process was unfair and deceptive as they do 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at : Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attacheda list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. | 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. | have attached a copy of FTC Identity Theft Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumerns, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a purchase using my debit card from a seller, but the seller did not send the item to the address I requested and sent it to a different address, so I did not receive the item. Due to this, I initiated a chargeback. However, the seller manipulated a XXXX Obtain Proof of Delivery official document by altering the information on the original document and submitted it to the financial institution as if it were evidence. I have submitted a rebuttal document, but the issue remains unresolved. The case was opened around XXXX, and it is still unresolved. 

Claim ID XXXX Claim amount {$1000.00} Claim opened XX/XX/year> -- -- -- -- -- -- -- -- -- -- - Claim ID XXXX Claim amount {$2400.00} Claim opened XX/XX/year> -- -- -- -- -- -- -- -- -- -- - Claim ID XXXX Claim amount {$1500.00} Claim opened XX/XX/year> 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 monetary relief
Consumer complaint received 2025-01-31 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: AL

Complaint narrative:
CEASE AND DESIST XX/XX/year> RE : XXXX TO WHOM MAY CONCERN : WITH THIS LETTER I HEREBY REQUEST THAT YOU CEASE AND DESIST ANY AND ALL TELEPHONE CALLS, PLEASE PUT ANY ATTEMPTS TO COLLECT ON THE ABOVE REFERENCED ACCOUNT IN WRITING. 
YOU ARE HEREBY INSTRUCTED TO CEASE ALL COLLECTION EFFORTS IMMEDIATELY OR FACE LEGAL SANCTIONS UNDER THE FEDERAL FAIR DEBT COLLECTIONS PRACTICES ACT.15 USC . SECTION 1692c AND 1692k. WHICH IS INCORPORATEDAND MADE APPLICABLE TO CREDITORS LIKE YOUR COMPANY BY THE XXXXXXXX XXXX PRACTICES ACT, CALIFORNIA CIVIL CODE SECTION 1788.17.

PLEASE MARK YOU FILES ACCORDINGLY.

THANK YOU IN ADVANCE FOR Y
OUR ANTICIPATED COOPERATION IN THIS MATTER.

SICERENLY.

Company response to consumer: Closed with explanation