vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-02 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:
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he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
I am writing to report that I was a victim of the XXXX data breach, during which my personal information was compromised. As a result, I believe that the following accounts and their associated late payments on my credit reports were caused by or directly affected by this breach. Specifically, I suspect that fraudulent activity or errors stemming from the breach have led to inaccuracies and unverifiable information being reported by the credit reporting agencies

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 2025-01-02 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Updated XX/XX/year> I am writing to formally file a complaint against Amsher Collections Agency regarding an erroneous debt of {$690.00} that they claim I owe. I assert that this debt does not belong to me and that I have no prior engagements, agreements, or transactions with this company.

Despite my attempts to resolve this matter directly with Amsher Collections Agency, they have incorrectly verified this debt as valid. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which mandates that debt collectors must cease collection activities unless they can provide accurate verification of the debt.

1. No Contractual Obligation : I have no contractual or financial relationship with Amsher Collections Agency or the original creditor ( if any ).

2. Failure to Provide Proper Validation : Amsher Collections Agency has failed to provide sufficient evidence to substantiate their claim. Under 15 U.S.C. 1692g ( b ), I have the right to request and receive proper validation of the debt, including : Documentation linking the debt to me.

Evidence of the original creditor and account details.

3. Potential Violation of Fair Credit Reporting Act ( FCRA ) : If this debt is being reported to credit bureaus, Amsher Collections Agency may also be in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate disputes and ensure accuracy.

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that Amsher Collections Agency : Immediately ceases collection efforts for this alleged debt.

Provides verifiable proof of the debt or removes it from their records.

Corrects any inaccurate information reported to credit bureaus.

I appreciate your attention to this matter and look forward to your assistance in resolving this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Good afternoon, I am writing to you because I have noticed that I have a certain number of inquiries on my credit report because they have been unauthorized. The inquiries that I need you to delete are the following : Td Bank it was made on XX/XX/XXXX XXXX  it was made on XX/XX/XXXXXXXX XXXX XXXX XXXX  it was made on XX/XX/XXXX XXXX XXXX itwas made on XX/XX/XXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX XXXX XXXX it was made on XX/XX/XXXX XXXX  it was made on XX/XX/XXXX XXXX XXXX it was made on XX/XX/XXXXXXXX XXXX  it was made on XX/XX/XXXXXXXX XXXX XXXX it was made on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: PA

Complaint narrative:
On the morning of XX/XX/year> at XXXXXXXX XXXX, I received a notification from Cash App that a transaction from the XXXX located at XXXX XXXX XXXX, XXXX XXXX PA XXXX was completed in the amount of {$170.00}. I went to the location and at that time and I was informed that there were several people who had received erroneous charges to their debit/credit cards. I gave them my contact information but no one contacted me. I proceeded to file a dispute through Cash App and they denied my claim stating that their records indicate that the traction was legitimate and authorized. That is a lie. They explained that they came to their decision based on receipt information and account activity. If they had truly reviewed my account, they would see that ( while I do frequent that location ) I have never had a transaction at that location for anything close to that amount. I would have no reason to spend that amount at a gas station. At this point I have been in contact with Cash App and the merchant and neither is willing to take responsibility for this error. I should not have to take responsibility for a transaction I did not do. I have now spent several hours trying to get this issue resolved through both parties to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hard pull on Experian XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX Inquiried on : XX/XX/year>

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 2025-01-02 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: TX

Complaint narrative:
I am writing to bring to your attention several inaccuracies on my credit report. There are accounts listed that do not belong to me, and I have never opened or authorized them. This situation is not only unfair but also deeply concerning, as it falsely damages my creditworthiness.

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 2025-01-02 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:
There are incorrect accounts listed on my credit report that do not belong to me. This situation is both unjust and concerning, as I have never authorized or engaged in any of the activities related to these accounts. If you do not take action to investigate and resolve these discrepancies, I will be forced to pursue legal measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: AL

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 168b permissible purposes of consumer reports. 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. 


Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX 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 XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX XXXX 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 XXXX  ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent our daughter {$200.00} on XXXX day using Cash App. My daughter contacted me and said that when she authorized the withdrawal from her account the money was sent to someone else 's account. We both filed disputes, mine was denied because the said I sent money from a device in my possession and to someone I had previously sent funds to ( makes sense ). Her dispute as of today was also denied. They said since she authorized the withdrawal from her account on their app they were not going to help and closed the dispute. Apparently when looking at their critical feedback this has happened more than once where someone was able to hack another persons Cash App account add another account number so any money is diverted to that account. There is one instanced where a this happened and the hacker drained all the money from the owners cash app account. And the standard answer from Cash App customer service is " we can not help you with this matter ''. Apparently from the critical feed back because other people have entered disputes on similar issues that Cash App is aware accounts are being hacked. My wife and I at the same time had a fraudulent withdrawal from our checking account. The transaction said we had sent {$20.00} from our checking account to me using my wife 's debit card on her Cash App. Looking at her Cash App transactions, no such transaction took place. It is their app being hacked and they unwilling to take care of the customers? I think cash pp should be investigated by the Federal Government and shutdown completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and several accounts and inquiries listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following accounts and inquiries from my credit file. These accounts were opened without my consent or authorization, and I am taking steps to resolve the situation.

Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$520.00} XXXX. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXX  - {$150.00} Fraudulent 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 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 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 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 XXXXXX/XX/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 2025-01-02 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: TX

Complaint narrative:
Please help me, I have attached supporting documents.

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 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: RI

Complaint narrative:
On XX/XX/XXXX, Mohela sent me correspondence - warning that interest continued to accrue and capitalize on my accounts despite being in administrative forbearance ( can be supplemented upon request ). All of my loans are currently covered under the SAVE repayment plan.

According to Mohela, I owed {$890.00} in interest that had accrued over the past several months. I immediately issued specified payments on each of my loans to resolve the outstanding interest.

Thereafter, I consulted with a financial advisor/attorney, who advised me that Mohela had improperly claimed interest existed, when it in fact, did not.

Mohela appears to have allocated the funds to each of my principal balances respectively, however, Mohela also continues to report the funds paid were specifically applied to " interest ''.

As Mohela has done nothing but lie and misrepresent issues surrounding my ( and millions of other ) student loans, I am contacting the CFPB to report this event, and to otherwise request clarity as to whether funds paid to Mohela on XX/XX/XXXX should or should not be present/accounted for on my annual taxes, specifically the 1098-e form.

Respectfully, - <redacted>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: King of Credit Financial, Inc

Complaint narrative:
On XX/XX/year>, I signed a rental contract with XXXX XXXX XXXX for an amount of {$570.00}. Since the payment method was by debit card, XXXX made an additional charge of {$500.00}, which would be refundable once I returned the vehicle. On the same day, XXXX charged my account a total of {$1000.00}. 

On XX/XX/XXXX, I returned the vehicle as agreed, and a refund of {$1000.00} was made to my account, followed by a charge of {$570.00}. At that moment, I understood that they were charging me according to the terms of the contract. 

The problem arose when, on XX/XX/XXXX, they charged my card again for {$570.00} without any authorization. Since then, I have contacted XXXX, and although they have sent me the receipt details, they have not resolved the refund issue. In the latest communication, they told me I had to send an email from my bank confirming if there were any pending refund processes. I sent the email, and my bank confirmed that there is no pending refund process.

They refuse to refund the money that was debited from my account on XX/XX/XXXX without any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} - Late/Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The card was reported lost in the mail, and I discovered unauthorized charges on my XXXX XXXX XXXX XXXX This was reported to XXXX XXXX cutomer service Fraud department. They did NOT fix the problem and still charging me with interest. Attached is Police Report and the XXXX XXXX Account Statement - as of XX/XX/year> my new balance is {$1500.00}

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 explanation
Consumer complaint received 2025-01-02 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation