vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: GA

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. 

List of Unauthorized Inquiries : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: VA

Complaint narrative:
Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within XXXX  days or receiving a consumers dispute XXXX. [ XXXX XXXX and XXXX XXXX ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX was open fraudulently This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. XXXX parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. 

I havent had access to my credit report since XXXX. As they claim you cant access it while anything is under dispute. I was told, nothing was under dispute.

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 2025-01-04 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: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
My information was exposed in the recent data breach with XXXX and I noticed some things on my credit that I do not recognize. 

Company Amount XXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to dispute the bankruptcy currently listed on my credit report, as its presence is significantly affecting my credit score and financial standing. This negative entry is creating challenges for me in securing loans, credit, or other financial opportunities. I believe there may be inaccuracies or issues related to this record that need to be addressed, and I would appreciate assistance in verifying and resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to dispute the bankruptcy currently listed on my credit report, as its presence is significantly affecting my credit score and financial standing. This negative entry is creating challenges for me in securing loans, credit, or other financial opportunities. I believe there may be inaccuracies or issues related to this record that need to be addressed, and I would appreciate assistance in verifying and resolving this matter promptly.

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 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I received a notification that an account opened on XX/XX/2024 with a past due balance of {$1500.00} from your company is under collections. This is not my account, as I have nothing to do with this account, I disputed it through the credit bureaus. This account has nothing to do with me, please remove it. The fraudulent account should have not been able to be opened as it did not have my permission and all my credit accounts are locked and frozen.

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 2025-01-04 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: GA

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. 

List of Unauthorized Inquiries : 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 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 non-monetary relief
Consumer complaint received 2025-01-04 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:
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. 

List of Unauthorized Inquiries : 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 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 2025-01-04 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: MD

Complaint narrative:
On XX/XX/XXXX I requested that information on my credit report be removed due to fraud. I provided a FTC document. I explained the incorrect data was due ot a data breach. I has impacted my ability to get work. They responded with in XXXX hours that it was factual. I called ot determine how they came to this decision and then woman told me I could refile a new dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: VA

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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : Unknown # XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: VA

Complaint narrative:
Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days or receiving a consumers dispute XXXX. [ XXXX XXXX and XXXX XXXX ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX was open fraudulently This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. XXXX parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. 

I havent had access to my credit report since XXXX. As they claim you cant access it while anything is under dispute. I was told, nothing was under dispute.

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 2025-01-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America froze my account that had XXXX $ on my unemployment benefit prepaid card XX/XX/year>. 
I tried to talk to Bank of America and XXXX unemployment office but never could get the right direction on recovering the account from being frozen. 
I just now seen a post online about Bank of America having to pay back millions to people of frozen accounts like mine so I need help getting my account back please

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a confirmed victim of identity theft, I have provided ample documentation, including FTC Identity Theft Reports and police reports, in previous disputes filed with Experian no fewer than XXXX times over the past several years. Despite prior investigations and confirmed deletions, the following fraudulent accounts and addresses have reappeared on my report as of XX/XX/year> : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX accounts and addresses were explicitly disputed and deleted on multiple occasions, going back several years. The reinsertion of this information after confirmation of fraud is unacceptable and constitutes a blatant violation of the FCRA. Furthermore, it is evident that upon reinsertion, creditors have modified previously reported and validated information or omitted crucial account details, balances, and other information in a deliberate attempt to circumvent previous dispute resolutions. Experian continues to allow the reinsertion of this information which has already been validated as fraud on no less than 10 past occasions further compounding the issues of being an identity theft victim.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: MD

Complaint narrative:
I made a payment on XX/XX/XXXX for the full statement balance of {$340.00}. The payment was made from my bank account and has cleared my account. As of XX/XX/XXXX, the account is still reported past due and negative. It has also reported on my credit bureaus as negative and past due. I reached out to the company and spoke to a representative and a supervisor to be told that payments made from checking accounts are held up to 14 days. The supervisor said that checking accounts are non currency funds. The money was extracted from my checking account, I have never had a return payment and I can not understand how payments made from checking accounts are non currency funds. The funds will credit my account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I check my credit score today it suddenly drop i never miss a payment ever it came XXXX points down today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I check my credit score today it suddenly drop i never miss a payment ever it came XXXX points down today

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 2025-01-04 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: GA

Complaint narrative:
On XXXX XXXX I noticed a fraudulent account was added to my credit report. I created an identity theft complaint with the FTC to have the account removed from my credit file. Upon further review I also noticed several inquiries on my credit report that I do not recognize or give permission to view my credit. Please delete these inquiries from my credit file in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Failure to do so will force me to report your company to the Attorney General and seek civil penalties for not complying with the law. 

Also delete all addresses with the exception of XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX and all variations of my name with the exception of XXXX XXXX XXXX XXXX Any incorrect addresses or names could have been used to establish fraudulent credit or used in an unauthorized attempt to establish fraudulent credit in my name. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
I am submitting additional complaints against Mohela. My complaints are as follows : 1. Mohela failed to process my Teacher Student Loan Forgiveness application. I uploaded it on the site in addition to mailing it. I worked at a Title I school for 5 years as a Special Education teacher in which my employer verified. I both mailed and uploaded it to the site. Upon checking the site recently, I see that my submission disappeared. I am entitled to {$17000.00} in student loan forgiveness because I worked at a high needs school as a special education teacher. Per the law and what Ive been entitled to receive. Please do not share to upload on the site. That response would be bogus. I want answers that are concrete and offer solutions to get this issue and discrepancy resolved. 
2. My second complaint is the ridiculous amount of interest that has accrued on my loan after consolidating and it was sent to Mohela. Per student aid.gov, the Department of Federal Aid, the amount I really owe is {$150000.00}. The screenshot attached is the most recent account as of XX/XX/year>. I should not be owing more than this amount. Unfortunately, Mohela hijacked my interest unfairly by doubling this amount to {$300000.00}. Thats preposterous. Respectfully, I did not pursue a medical degree! I should only be owing {$3600.00} in interest. 
XXXX. Lastly, I am submitting a complaint regarding customer care because of the XXXX hour wait times to only speak with a representative who can not help me and to then be transferred to another rep which usually takes an additional two hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
US BANK had a promotional balance offer on the cash+ credit card that includes terms that apply payments above the minimum to the lowest APR first instead if the highest. I was under the impression that according to the Credit CARD act of 2009 credit card debt was supposed to be paid from highest to lowest. When I brought this issue up on a previous offer they said " well, you have to read the disclosures and terms carefully '' I dropped the issue but have received another offer in the mail and believe this may be a predatory and illegal practice.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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