vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
TransUnion, Equifax, and Experian have violated my rights as a consumer both FCRA and The Privacy Act of 1974 by allowing companies to look at my Consumer Report.

I have 50+ inquiries on my Experian consumer report and also

I have inquiries on my TransUnion and Equifax consumer reports as well. According to 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. they are not allowed to give my information without me knowing and giving them written consent .Also they have violated 15 U.S. Code 1681 which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-02-06 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$510.00} XXXX # XXXX XX/XX/XXXX -- {$530.00} XXXX  # XXXX XX/XX/XXXX -- {$410.00} XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$400.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX XXXX {$570.00XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00}

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 2025-02-06 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: GA

Complaint narrative:
The company XXXXXXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I'm filing this compliance against Cash App ( Block Inc ) due to inadequate customer service and lack fair practices which violates the consumer financial protection act. 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 funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
A lender ( Rocket Mortgage ) who purchased my loan from a previous lender ( XXXX ) decided to put a lender-placed insurance premium for Wind dated back to XX/XX/XXXX, with an annual premium of {$7100.00}. 

I have been in touch with the lender since XXXX consistently asking them to not to do that as it will put financial stress on my property. They said the CFPB requires them to do that and as a result, there is no exception. 

Upon checking the website, I could not find any material on cfpb suggesting you require a wind insurance. They have said that on a recorded call dated XX/XX/XXXX @ XXXX EST. You can listen to the recording. 

Eventually, after being transferred multiple times, they hung up the call and are forcing me to pay {$7100.00} annual insurance premium on top of my already existing homeowner insurance. They keep iterating this is a federal requirement and there is nothing they can do about it. I am not sure why this is the case because i have other loans with other lenders and no one said that. I also checked with ChatGPT and confirmed it is not a federal requirements. 

I would appreciate any help you can provide to resolve this matter as soon as possible. 

It seems absurd that I will be paying ~ XXXX XXXXXXXX in annual insurance for a property that is worth ~ XXXX XXXX Thanks a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. 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 non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised, including 70 critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
I lost my job due to my car breaking down, which led to financial hardship. As a result, I was unable to make payments on my account with mid Atlantic I contacted the company on [ insert date ] to explain my situation and seek assistance, but [ describe what happenedwhether they refused to help, didnt respond, or didnt provide a solution ]. Despite my efforts, the negative mark remains on my credit report. 

I am requesting that [ creditors name ] remove this account from my credit report due to the circumstances beyond my control. I would appreciate a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IN

Complaint narrative:
XXXX XXXX XXXX collection needs to be BLOCKED AND REMOVED FROM MY CREDIT REPORT IMMEDIATELY this account is fraudulent information and it's inaccurate and it violates my consumer rights I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to 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 2025-02-06 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: OH

Complaint narrative:
A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by First Premier, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Equifax charged off amount is {$1000.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
It a lot of collection and inquiries on my account and I dont have any idea of them this is very frustrating

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 2025-02-07 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Fraudulent account. I never signed any consent or contract with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Fraudulent account. I never signed any consent or contract with this company

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 2025-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting a complaint regarding a wrongful debt collection issue involving XXXX XXXX and the XXXX XXXX in XXXX, California while being a masters student. I changed my mind after touring the apartment and did not continue filling out the rest of the paperwork on XX/XX/2024. I received an email from XXXXXX/XX/XXXXDebt Collector/ XXXX on XX/XX/XXXX stating that I owed a {$330.00} close-out debt for a lease at the XXXX XX/XX/XXXX. However, I have never lived at this property, nor did I finalize a lease agreement with them. In fact, I changed my mind and canceled the lease paperwork within that hour of touring it, and the front desk staff at the XXXXXX/XX/XXXX confirmed that I could dispute any related charges and would be refunded application fees. Despite this, my application fees were never refunded, and I had to personally dispute those charges with my bank. Now, I am being wrongfully charged for a debt that I do not owe by XXXX XXXX. When I contacted the XXXXXX/XX/XXXX, I was informed that the property had been sold to XXXX, and they claimed they could no longer assist me, referring me to CFPB for help. I am extremely frustrated and confused as to why this debt is being pursued against me when I was explicitly told that I did not owe anything. I request that you investigate this matter and provide a debt validation form for these records. I want to take every possible step to clear this debt, as I believe I am being unfairly charged after choosing to lease an apartment outside of XXXX. Please let me know if you need any additional information regarding my case. Thank you in advance for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: WA

Complaint narrative:
I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : XX/XX/XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXXXXXX - XXXX - {$5200.00} XX/XX/XXXXXXXX - XXXX - {$290.00} XX/XX/XXXXXXXX - {$310.00} XX/XX/XXXXXXXX - {$190.00} I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.

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 2025-02-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my credit, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the inquiry remained. This is extremely frustrating, and I need this issue resolved immediately. Please review the documents I have submitted thoroughly so that I dont have to deal with this stress ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-02-07 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC XXXX, VA XXXX Date open : XX/XX/2025 Original amount : {$640.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: CO

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CO

Complaint narrative:
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.

For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts.

An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.

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