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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Revocation of Power of Attorney and Request for Deletion of Account Information Dear Sir/Madam , I am writing to formally revoke the Power of Attorney previously granted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This revocation is effective immediately and encompasses all powers previously granted under the aforementioned agreement. 

Please ensure that all authority granted to XXXX XXXX XXXX XXXX XXXX under this Power of Attorney is terminated without delay. This includes, but is not limited to, any powers related to financial transactions, legal representation, repossessions, and decision-making on my behalf. 

Additionally, I request the immediate deletion of all my personal and account information from your records. This includes the cessation of furnishing any information related to my account to credit reporting agencies. I expect confirmation that my account information has been removed from your internal systems and that you have notified all relevant credit bureaus to delete any related entries. 

Please acknowledge receipt of this letter and confirm in writing that the above actions have been completed. I appreciate your prompt attention to these matters. 

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Revocation of Power of Attorney and Request for Deletion of Account Information Dear Sir/Madam , I am writing to formally revoke the Power of Attorney previously granted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This revocation is effective immediately and encompasses all powers previously granted under the aforementioned agreement. 

Please ensure that all authority granted to XXXX XXXX XXXX XXXX XXXX under this Power of Attorney is terminated without delay. This includes, but is not limited to, any powers related to financial transactions, legal representation, repossessions, and decision-making on my behalf. 

Additionally, I request the immediate deletion of all my personal and account information from your records. This includes the cessation of furnishing any information related to my account to credit reporting agencies. I expect confirmation that my account information has been removed from your internal systems and that you have notified all relevant credit bureaus to delete any related entries. 

Please acknowledge receipt of this letter and confirm in writing that the above actions have been completed. I appreciate your prompt attention to these matters. 

Sincerely, XXXX XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
When taking a look at my credit reports I noticed unauthorized inquiries on each of my credit reports ( transunion, equifax and experian ) and unauthorized collection accounts as well as unauthorized closed accounts. I did not give permission for these negative or derogatory items to be reported. I also found out that my information was leaked in a data breach, and I was not notified about the compromise of my information. Even when I dispute the unauthorized information online they do not update with correct information, they just keep old outdated and unauthorized information on my credit report, violating my consumer rights and the Equal Credit opportunity Act and the Consumer Credit Protection 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 2025-01-31 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: NJ

Complaint narrative:
I am submitting this complaint against Experian for its failure to remove a fraudulent XXXX  XXXX XXXX ( Acc # XXXX, date opened : XX/XX/year> ) account from my credit report, despite clear evidence showing it is the result of identity theft. The account was REINSERTED without the proper notification, which left me confused and frustrated, as I had believed the issue was already resolved. I never opened or authorized this account and have provided a police report along with supporting documentation to prove my case. Both XXXX and XXXX reviewed the same evidence and deleted the account, yet Experian continues to report it. This demonstrates not only a lack of diligence but also a failure to meet its legal responsibilities under the Fair Credit Reporting Act. Experian is violating 15 USC 1681b by reporting information without a valid purpose, 15 USC 1681e ( b ) by failing to ensure accurate reporting, and 15 USC 1681n for its noncompliance, which may be either negligent or willful. The ongoing presence of this account has negatively impacted my financial health, credit score, and overall peace of mind. I am requesting that Experian take immediate action to delete this fraudulent account and ensure future compliance with federal regulations. If this issue is not resolved promptly, I am prepared to escalate the matter through legal avenues to seek proper accountability. Please address this matter as a priority.

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

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting and Demand for Compliance To Whom It May Concern, I am formally disputing the inaccurate reporting of an account listed on my credit report under 15 U.S.C. 1681s-2, which mandates the accurate and verifiable reporting of consumer information. 
The account in question is : XXXX. Equifax : Account Name : XXXX  XXXX Date Listed : XXXX XXXX, XXXX  XXXX. XXXX : Account XXXX : XXXX  Date Listed : XXXX XXXX, XXXX  XXXX. XXXX : Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date Listed : XXXX, XXXX  This account is erroneously reporting a balance despite being charged off. XXXX XXXX  has claimed to have written off this debt, yet they have failed to provide any verifiable documentation to support this claim. Under IRS guidelines ( 26 U.S.C. 6050P ), a creditor that cancels a debt exceeding {$600.00} is required to issue a 1099-C form to the borrower and report the cancellation to the IRS.

To date, I have not received a 1099-C form, which raises concerns about the banks compliance with IRS regulations XXXX If this debt has truly been canceled, the continued reporting of a balance is both inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) and IRS guidelines. Furthermore, the failure to issue a 1099-C form may constitute non-compliance with federal tax laws, which I have the right to report to the IRS. 

Additionally, I have never received the vehicle title ( pink slip ) associated with this account. Since the bank has declared the debt uncollectible, I demand immediate issuance of the legal title to the vehicle as required by consumer protection laws. 

I formally demand the following actions : Provision of the 1099-C Form If Mechanics Bank has written off this debt, they are required to provide a 1099-C for my records.

Verification of the Balance Provide documented proof of the current and accurate balance, along with records of any collection activity. 
Permanent Deletion of the Account If the debt has been canceled, unverified, or inaccurately reported, I demand its immediate removal from my credit report under FCRA. 

Issuance of the Vehicle Title ( XXXX XXXX ) Since this account has been charged off, the legal title to the vehicle must be transferred to me without delay. 
Failure to comply with this request within 30 days of receipt will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ) for potential violations of FCRA ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and IRS tax reporting requirements. 

This matter requires immediate resolution. Please respond promptly to avoid further regulatory scrutiny. 

Sincerely, XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am disputing the reporting of my XXXX/DOFED XXXXXXXX loan account reporting on my credit report. This account was sold/transferred, yet it is being reported as a new account, which has negatively affected my credit score. Additionally, the open date is incorrect ( 2017 ), and I never received a legally required transfer notice, violating the 15 U.S.C. 1641 ( g ) ( 1 ) ( TILA ).

Legal Basis for Dispute *15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) requires accurate reporting.

*15 USC 1641i ( a ) ( 1 ) ( A ) requires credit bureaus to investigate and correct errors.

*15 USC 1641 ( g ) ( 1 ) ( TILA ) requires loan servicers to notify borrowers of loan transfers within 30 days. since I never received notice, the verification of this account is invalid.

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: MOHELA
State: AL

Complaint narrative:
I am disputing the reporting of my MOHELA/XXXX  student loan account reporting on my credit report. This account was sold/transferred, yet it is being reported as a new account, which has negatively affected my credit score. Additionally, the open date is incorrect ( 2017 ), and I never received a legally required transfer notice, violating the 15 U.S.C. 1641 ( g ) ( 1 ) ( TILA ).

Legal Basis for Dispute *15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( FCRA ) requires accurate reporting.

*15 USC 1641i ( a ) ( 1 ) ( A ) requires credit bureaus to investigate and correct errors. 
*15 USC 1641 ( g ) ( 1 ) ( TILA ) requires loan servicers to notify borrowers of loan transfers within XXXX  days. since I never received notice, the verification of this account is invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE.

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 — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I applied to the XXXX program XX/XX/XXXX. My application was not approved before the federal injunction that paused all XXXX processing happened. On XX/XX/XXXX I received a letter from MOHELA stating : As a result of this ruling, XXXX has directed MOHELA to put your account into a forbearance because either : XXXX. XXXX. You are currently a borrower on XXXX. 
60 Days have passed since we received your XXXX application, and it has not yet been processed. 
What does this mean for me? 
While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. 

My loans were not placed into a forbearance. I called MOHELA within the week and asked why my loans were not placed in this interest free forbearance. They were unable to give me an answer. On XX/XX/XXXX, I received the exact same letter. Again, my loans have not been placed into this interest free forbearance. I attempted to call MOHELA however my estimated wait time was XXXX hours upon calling. 

I have now been told twice that my loans would be placed in interest free forbearance. They have not been placed in this interest free forbearance. Not only are my loans not in this forbearance but interest has continued to accumulate when it shouldnt have been. MOHELA has not given me an answer as to why. MOHELA has been directed by a federal institution to do so, and they are not. I am now unable to contact MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: GA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX - {$720.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I found out through my own research that these phone numbers belong to Portfolio Recovery .... I have repeatedly asked them to stop harassing me as I am on the Do Not Call Registry .... Not one single person who has called me has told me that they are with a debt collection agency attempting to collect a debt as required by law. I have asked them to stop harassing me at least XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My loans are on an XXXX plan and I have a reduced monthly payment, which is shown on my monthly statement, and I also set up auto pay of this amount ONLY. I have multiple screenshots showing that I am NOT adding an additional amount to my autopay approval. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, Aidvantage has drafted an amount higher than my authorized autopay and has not agreed to refund or offset these overpayments. 

I spoke with XXXX on XX/XX/XXXX because the autopay approval notice I received indicated a different amount than what I authorized. XXXX sent an inquiry to the banking department and promised a follow up, which never occured. The unauthorized amount was drafted on XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX, who insisted the problem would be corrected by XX/XX/XXXX. At her instruction, I canceled and recreated my autopay through the payment portal. My XX/XX/XXXX payment was again drafted for the incorrect amount. On XX/XX/XXXX I spoke with XXXX who sent an " escalation '' and insisted I would receive supervisor callback in XXXX business days. No such call ever occured. On XX/XX/XXXX I called back and spoke with XXXX who was very insistent that I could NOT speak with a supervisor or XXXX. She indicated that the issue I'm having is known to Aidvantage. Despite speaking with her for close to an hour and her insistence that the issue was resolved after again cancelling and recreating the autopay, the unauthorized amount was drafted again on XX/XX/XXXX.

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: FL

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 proce 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 XXXX financial loss, and I seek appropriate redress for these violations.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against [ EXPERIAN ] regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i. Disputed Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have requested detailed explanations and evidence of the verification process from the credit bureau, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPB 's assistance in ensuring that a thorough investigation is conducted and that the credit bureau provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation