vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
THIS ACCOUNT WAS PREVIOUSLY REMOVED.. 

TransUnion Dispute reported inaccurate reporting of a charged-off auto loan account by XXXX XXXX XXXX XXXX on my credit report. This account is currently being reported as open, which is completely inaccurate and misleading. A charged-off account can not and should not be reported as an open or active account, as this misrepresentation negatively impacts my credit profile and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
The account in question, which was previously removed from my credit report, has been re-added multiple times, causing ongoing harm to my credit profile. This inaccurate and unfair reporting constitutes a violation of my consumer rights under the FCRA. The continuous appearance and disappearance of this account create unnecessary fluctuations in my credit score and misrepresent my financial standing. 

I request an immediate investigation into this matter and demand that XXXX XXXX XXXX XXXX : Cease all future reporting of this account to the credit bureaus, as it was previously removed. 
Provide verification of the basis for re-reporting the account after its deletion, including any legal justification for doing so. 
Correct and update all credit bureaus with accurate information reflecting the permanent removal of this account. 

I demand that TransUnion immediately investigate and correct this reporting error by either : Ensuring that XXXX XXXX XXXX XXXX accurately reports the accounts true status or Removing the inaccurate account entirely from my credit report. 
Furthermore, I want to make it clear that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. These enforcement actions highlight the importance of credit reporting agencies conducting thorough, good faith investigations into consumer disputes, as required by law. 

I expect TransUnion to comply with its legal obligations and conduct a proper investigation into this matter, ensuring that it does not engage in any deceptive or negligent practices similar to those outlined in the CFPB complaints against your industry peers. A failure to correct this inaccurate reporting in a timely manner may result in a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore all available legal remedies under the FCRA.

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 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

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 process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: DC

Complaint narrative:
Despite XXXX written requests, the unverified account from XXXX XXXX still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifaxs investigations, the company stated in writing that the account was verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, Equifax has failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian and XXXX did not investigate with genesis properly. They stated that the debt was verified which it was not. I have went to the better Business Bureau and they infact did contact mission rock where they stated that the only thing that was owed was paint and not the making that they are stating.

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 2025-02-22 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: MO

Complaint narrative:
According to 15 U.S. CXXXXe XXXX, it is illegal for banks and institutions to report any data to third party companies without proper consent. According to FCRA section XXXXb it is illegal to report information on my credit report without my permission. I am not liable for the debts with XXXX XXXX XXXX. I do not have contracts with XXXX XXXX XXXX and they did not provide me with the original contracts as I requested with my wet signature and ID verification. AGAIN, PLEASE PROVIDE ME WITH THE ORIGNAL CONTRACT ( XXXX ) WITH MY WET SIGNATURE AND ID VERIFICATION BETWEEN MYSELF AND XXXX XXXX XXXX. IF YOU CAN NOT PROVIDE THESE CRITICAL PIECES OF INFORMATION, THEN PLEASE DELETE FROM MY CREDIT REPORT. THERE IS NO WAY ANYTHING CAN COME BACK AS VERIFIED FROM YOUR INVESTIGATION BECAUSE YOU CAN NOT PROVIDE THE ORIGINAL CONTRACT WITH MY WET SIGNATURE AND ID. THERE IS NO WAY THIS CAN COME BACK AS VERIFIED WITHOUT PROVIDING THIS, THEREFORE PLEASE DELETE AND REMOVE.

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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
1- THIS FRAUDULENT COMPANY COLLECTION SPRING OAKS CAPITAL LL WAS REPORTED TO THE FBI DEPARTMENT FOR INVESTIGATION.

( INVESTIGATION FOR FBI ) 2-THE INVESTIGATION DEPARTMENT ( FBI ) ALREADY HAS THE DOCUMENTS WITH THIS FRAUDULENT COMPANY COLLECTION SPRING XXXX XXXX XXXX XXXXTHIS FRAUDULENT COMPANY COLLECTION SPRING OAKS CAPITAL LL IS BEING INVESTIGATED THROUGHOUT THE UNITED STATES BY THE FBI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
On XX/XX/year>, I requested to cancel to my income contingent repayment plan for a consolidated XXXX XXXX load with Mohela and to change change my loan to a extended graduate repayment schedule plan. They agreed over phone. They provided confirmation number of change- # XXXX As of XX/XX/year>2025 they not make any change to my plan and did not communicate at all with me after this phone call. My account still is on the XXXX plan and Im being billed almost {$1000.00} more a month as a result. 

I have federal right to change my plan. I worked with 3rd party Student loan consultants before I contacted Mohela to confirm all steps are within my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I called Capital One credit card customer service and requested the removal of late fees charged to my account in XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX at approximately XXXXXXXX XXXX  CST and my call was escalated to XXXX, whom I spoke with at approximately XXXXXXXX XXXX CST. I made payments to the card account on the due date in both instances, yet, Capital One has charged me late fees and has refused to remove those late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I just recently looked over my Chex systems account and I noticed that I have a fraudulent account listed there. I will be attaching an FTC report containing the said account XXXX XXXX XXXXXXXX to be blocked FCRA 605B in 4 days. 
Thank you very much XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXXMr.Cooper Acct # XXXX Is reporting inaccurate information. we were not late we paid as agreed the company is falsifying information on credit report I reached out to them and they advised on XXXX their is nothing they can do. They have turned my account over to their sister company rushmore servicing. They are causing pain and suffering on my credit score it has not recovered. Again if they are doing this to me as just on customer they are doing this to others. I am more than happy to reach out to other consumers who has having/had issues with this service provider. We have paid and made proper modifications to our loan. Due to Mr.cooper kicking the can down the road for the loan modification and telling us we wont be able to qualify for any other help with just 1 late payment. They extended our loan out 9more years and they are in accurately reporting information on my credit. Under the Fair Credit Reporting Act, I request that you investigate these discrepancies and correct any inaccuracies in my credit report. Please complete your investigation within the statutory timeframe and send me a written confirmation of the results. Account was Paid as agreed PAANL

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/year>, XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :

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 2025-02-22 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: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included a screenshot inside this complaint on dates of XX/XX/year>, XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If evidence can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see the screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: SC

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$890.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$180.00} Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$550.00}

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 2025-02-22 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: 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 XXXX. Account name : XXXX XXXX XXXX GEORGIA XXXX, has violated my rights. 15 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-02-22 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:
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 XXXX. Account name : XXXX XXXX XXXX GEORGIA XXXX, has violated my rights. 15 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 15 U.S.C. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-02-22 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: TX

Complaint narrative:
i only authorized the car dealership to run my credit report and they allowed a lot of banks to pull my credit, and my score went down and now I'm having a hard time getting approvals because of too many inquiries. I did not authorize any bank, credit unions or other sources to my credit. i only gave permission to the car dealership itself. I requested all hard inquiries be removed and they responded with a few days with enquiries will remain on record for certain amount of years, that tells me they did not try to investigate the matter as it would take them a while to contact them all so I want them removed asap from all credit report 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 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OLIPHANT FINANCIAL, LLC
State: GA

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1962 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute of the validity of your claims.

Please note : This is an attempt to correct your records and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a station, election, or waiver of status.

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: NE

Complaint narrative:
Company allowed unauthorized personnel to access information on my accounts. Now my information is compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: AL

Complaint narrative:
Help me credit a dispute letter for XXXX. ( civilized liability negligence non-complaints )

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