vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I have provided multiple letters from the department of Ed regarding the process of my case. I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX XXXX  and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were XXXX but the other XXXX XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have provided multiple letters from the department of Ed regarding the process of my case. I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now Aidvantage regarding my loan discharge. I was part of a lawsuit against XXXX XXXX  and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were XXXX but the other XXXX XXXX refuses to investigate. Now my loans were transferred to Aidvantage in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
I have provided multiple letters from the department of Ed regarding the process of my case. I have reported this issue to the Cfpb once before back on XX/XX/XXXX and my case was closed and never heard anything from anyone. I just received a call from the department of education since I have filed several complaints about the department of education, XXXX, borrowers of defense, the ombudsman department, and now XXXX regarding my loan discharge. I was part of a lawsuit against XXXX XXXX  and I was approved 100 % - full loan discharge since XX/XX/XXXX. XXXX of my loans were XXXX but the other XXXX XXXX refuses to investigate. Now my loans were transferred to XXXX in XX/XX/XXXX and Im having more problems with the reporting of my loan to the credit bureau. All My complaints are being deleted from all the different portals and my account is still not being resolved.

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 2025-02-09 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:
On, or around, XX/XX/year> my personal financial information was accessed by an unauthorized third party posing as a government official/entity. XXXX XXXX and Affiliates posed as employees of the unofficial " Department of Government Efficiency '' and gained access to my personal federal financial information via the Treasury Department. As a U.S. Citizen, student who has received federal student aid, and as a current military service member in the U.S. Army, this was a gross violation to my rights to privacy concerning my financial information. My military pay checks, the previous disbursements of federal aid, and my sensitive personally identifiable information was compromised by individual ( s ) without consent, or authority.

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 error resolution requirements under Electronic Fund Tranfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, the companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management Account Number : XXXX XXXX XXXX Dispute Reason : incorrect information Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA. 

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: NC

Complaint narrative:
XX/XX/XXXX-data breach incorrect reporting and billing inaccuracy. 
XXXXXX/XX/XXXXreporting inaccuracy as far as billing and personal information. 
XX/XX/XXXX- data breach- inaccurate reporting of payments and billing details. 
XXXXXX/XX/XXXX inaccuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> Equifax, Experian, TransUnion Subject : Final Request for Investigation Completion and Removal of Inaccuracies To Whom It May Concern, I am writing in response to your recent communication stating that I must provide additional identifying documents to complete your investigation process. I have already submitted sufficient identification, which was enough for you to remove inaccuracies from my report previously ( XXXX  XXXX ) Therefore, it should be more than adequate to complete your investigation. However, I have enclosed my ID again in this letter. 

It appears that this request for further documentation is a stall tactic. As per the Fair Credit Reporting Act ( FCRA ) and IRS regulations, you are required to ensure that the alleged accounts in question are verifiably mine and 100 % accurate. I demand that you provide a detailed list of the investigative tactics and procedures used to confirm their validity.

You have already exhausted the 30-day time frame allotted by law to investigate disputes. Therefore, if you can not provide undeniable proof of the accuracy and ownership of these accounts, I demand their immediate removal from my credit report within 15 days. Failure to do so will leave me no choice but to pursue legal action. 

I must also remind you that your delay in resolving this matter is causing financial harm, as I am unable to obtain a vehicle necessary for employment. Any further failure to act in compliance with the law could result in legal consequences, including damages for financial hardship. 

I expect your prompt attention to this matter and a written response detailing your findings. 

I have provided the original letter with high-lighted credit report and credentials to verify my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
While using Zelle I had many discrepancies with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AK

Complaint narrative:
Equifax has locked me out so that I can not see my updated credit file online right after I mailed them certified mail updating my personal information and address. This is interfering with my ability to fight credit fraud and I am willing to take them to court and collect for damages. Time is of the essence and as a victim of identity theft, I have a right to see my updated credit report. They have not been furnishing my credit report to XXXX XXXX, I have no way to stay updated and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
Cavalry Portfolio Services bought a debt that I allegedly owe. They did not contact me once to inform me of this. I had no idea about this until months later when Cavalry contracted with another creditor to collect on their behalf. To this day, Cavalry owns this debt and has never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MD

Complaint narrative:
They have my money and will not give me another card until my personal information is verified. I have tried close to 50 times within the past three to 4 months to verify this information. Because I do not have access to my money it is considered theft of property and Cash app is not giving actual guidance that is working on my end. Everything that they have told me to do to verify my information I have done and today XX/XX/year> I have been texting back and forth with them from XXXX XXXX  EST to around XXXX XXXX  EST to get this figured out. It is not fair that I do not have access to my money. And then to be told be a Cash app employee that I am giving fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: PA

Complaint narrative:
I recently came across the CFPBs lawsuit against Equifax and wanted to express my concerns regarding my own experience with their credit reporting practices. I believe I have been negatively impacted, as their handling of my dispute has hurt my chances of obtaining credit. 

I submitted a dispute regarding an account on my credit report, on XX/XX/2024 and received a response stating that the account was verified. However, I was not provided with any supporting documentation or clear evidence of this verification.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If Equifax is unable to produce proper documentation to support this account, they are obligated under the law to correct or delete the information. Given the repeated failure to provide verification, I believe this account should be promptly removed from my credit report. 

I would appreciate any guidance on how to proceed and ensure that my credit report reflects only accurate and verifiable information. Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: VA

Complaint narrative:
I am filing a complaint against equifax for failing to properly Investigate my disputes regarding inaccuracies in my credit report. Despite my submissions consistently responds with in XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigations of disputes.. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I reported in accurate XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: CL Holdings LLC
State: CA

Complaint narrative:
I mailed a certified letter on XXXX Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law on XX/XX/2024. I stated I was filing complaints regarding inaccurate items on my credit. Despite my efforts to resolve this directly it remains unresolved. I requested immediate investigation pursuant to 15 USC 1692g. 

15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 Delete Collections 15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681 e ( b ) 15 U.S. Code 1635 15 U.S. Code 1692g I havent heard anything back and my credit continues to remain the same

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Old collectors on my credit report.

Old accounts have not been deleted or removed.

DATA BREACH!

My data was breached so I need a whole new clean credit report under my name n personal information, because this is stopping me from having a better future with my family because this also affects my whole family as well. 
I was told I would have 30 days to resolve theses issues on my credit n on my personal information, and am holding the government to their word on this.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Information on my credit profile is incorrect. incorrect address, fraudulent accounts that doesn't belong to me. wrong employment history and hard inquiries you never authorized.

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 2025-02-09 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: FL

Complaint narrative:
Sent multiple complaints to both creditors and reporting agencies advising of identity theft and to have information on my report blocked and deleted as these accounts were opened fraudulently with electronic complaints and mail correspondence being sent from dates ranging from XX/XX/XXXX through XX/XX/XXXX. Companies response is that they are investigating however turn around and verify information without properly conducting an investigation and removing accounts as per FCRA 605B. Companies have not provided physical documentation advising of the denial as mandated from FCRA section 1681i ( a ) ( 5 ) ( b ). This is my FINAL request for deletion and removal of accounts listed in the referenced police report from my local law enforcement and from all subsequent IDTHEFT reports from the FTC that have been both electronically transmitted and physically mailed to the companies who have received them via certified mail and by also advising of receipt via multiple phone conversations. I certify that this is complaint is not in error and that I have not misrepresented any information therein and that I have not received and good or services as it pertains to the accounts opened and that all transactions, calls, accounts, bank accounts, personal information, and disputes prior to XX/XX/XXXX where used/done without my knowledge and for nefarious purposes. I have taken measures to secure my account and identity and if information is not blocked and or deleted within XXXX business days then I will be forced to pursue LITIGATION for defamation and willful injury to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 proces : 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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: 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 1681. **Account Name : ** MOHELA/DOFED **Date : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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