vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: HI

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy of the information currently reflected on my credit report, and I request immediate action in line with the Fair Credit Reporting Act ( FCRA ). As you are aware, under 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the accuracy and completeness of all information reported to them. 
I recently learned that XXXX is under investigation by the Consumer Financial Protection Bureau ( CFPB ) for failure to conduct proper investigations of credit disputes, including failing to remove or reinsert inaccurate information. Given the findings in this lawsuit, I am concerned that similar errors may be present in my credit report and request an immediate review and correction. 
Disputed Information Account Name : XXXX XXXX XXXX XXXX XXXXXXXX  Account Number : XX/XX/year> XX/XX/year>, Disputed Item ( s ) : [ Late payments, collections, charge-offs, etc. ] I am requesting that Equifax/XXXX immediately correct or remove the disputed information from my credit report, as it does not comply with FCRA guidelines for accuracy.

Request for Immediate Action Under 15 U.S.C. 1681i, I request that this dispute be processed and resolved within 3 to 4 business days, as I need the issue addressed promptly to avoid further negative impact on my financial situation. Please ensure the dispute is properly investigated and any inaccuracies are corrected without delay.

Supporting Documentation A copy of my credit report with the disputed items highlighted.

Documentation to support my dispute and the accuracy of my claim.

Please send me written confirmation of the actions taken and an updated copy of my credit report reflecting the changes.

I expect to hear from you within 3 to 4 business days, as required by the FCRA, regarding the resolution of this dispute. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This version makes it clear that you are requesting a response within 3 to 4 business days. Let me know if you need any further changes! 
You said :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
A final judgment was granted to XXXX XXXX for the garnishment of my wages. {$1700.00} on XX/XX/XXXX. On XX/XX/XXXX, my employer reached out to me through email to tell me that they had received a judgment against me and had to garnish my wages. Wages started to be withheld on the XX/XX/XXXX pay period. On XX/XX/XXXX, My employer informed me that this would be the final payment for the judgment taken from my paycheck. I do not know how the process works with judgments. I assumed the monies were directly going to XXXX XXXX. Later on, the judgment was granted on XX/XX/XXXX, and my employer emailed me to tell me the funds had been released to XXXX XXXX. XX/XX/XXXX. I have called XXXXXXXX XXXXXXXX and have not gotten an update. They have not submitted this information to the court. I checked XXXX XXXX XXXX files on XX/XX/XXXX, and there is still nothing in the court files. Why has this not been taken care of? I feel this is fraudulent, and they are taking advantage of the situation to get more interest from me. My employer has withheld the money since XX/XX/XXXX, XXXX months later. I want this information sent to the court immediately and taken off my credit report as paid. I enclosed a screenshot of my employer 's email and a notice of the hearing. I also received a letter in the mail from the Resurgent collection agency that they purchased this debt from XXXX XXXX. So where is money Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: IL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Repossession ( 3 Bureaus ) XXXX XXXX - Account # : XXXX - Payment Status : Current Charge Off ( XXXX/Equifax ) XXXX - Account # : XXXX - Balance : {$1700.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: IN

Complaint narrative:
Mohela shows on my credit report ( Since XXXX {$7900.00}, XXXX {$3900.00}, XXXX {$81000.00} ) The information is not correct. University XXXX Arkansas XXXX is not correct. I received several scholarships from XXXX of XXXX scholarship. Mohela has me owing for a 4 year degree. Started on XX/XX/year>, I withdrawn several times due to health and personal reason. When I came back to the university, I was told my scholarship was sent back to XXXX of XXXX scholarship. So I had to reapply. From the XXXX XXXX I received from The University XXXX Arkansas XXXX. These nothing showing my scholarship was applied to my balance or sent back. The University XXXX Arkansas XXXX received student loans on my behave without my permission. If my scholarship were applied, I shouldn't have a larger student loan debt for the time i was there. I didnt attend that school for no 4 years or even 6 months at one time. I contacted the university about the situation, I'm getting the run around. And when I contact Mohela, no information is found on me. When I tried to login into their system. I called Mohela, not able to talk to a live person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I spent hours trying to obtain free credit report from Transunion today but was unable to. I called them and spent an hour and ten minutes with them trying to troubleshoot all sorts of ways via computer and cell phone but ultimately their website kept giving an error message of " XXXX XXXX XXXX Unavailable '' and I was told there was no further escalation to be done. I did oral verification twice, but that still didn't resolve the issue. They were passing me over to maintenance and that could take 5 days. I have done research and found forums from years ago and as recent as 7 months ago describing the same exact issue as mine. One user even stated they tried for three consecutive years but weren't able to obtain their report. Transunion is clearly not looking to fix this error with their system and have people unable to obtain their reports year after year. They did encourage me to sign up for the subscription of {$30.00} per month in order to obtain the record though which I found unacceptable.

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 2025-03-20 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: MI

Complaint narrative:
I am extremely frustrated to find multiple inaccuracies on my report that are unfairly lowering my scores and preventing me from accessing important financial opportunities. These errors have already caused unnecessary stress, higher costs, and missed chances that I should have never had to endure. Its infuriating to be held back by information that is simply incorrect.

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 2025-03-21 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2025-03-21 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

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 2025-03-21 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint against the XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and unlawful reporting of accounts on my credit report.

Violations Identified : Inaccurate Reporting ( FCRA 15 U.S.C. 1681s-2 ) The reported balances, charge-off dates, and account statuses do not match across the three credit bureaus, leading to confusion and a misleading credit report.

Some charge-off accounts are still reporting a balance, which is incorrect and violates proper accounting principles.

Re-Aging of Debt ( FCRA Violation ) The date of last payment or date opened appears to have been modified to make the debt appear more recent, violating re-aging laws.

Unverified Collection Accounts ( FDCPA 15 U.S.C. 1692g ) The collection agencies reporting these debts have failed to provide proper validation of the debts when requested.

Some debts are appearing as " Open '' collection accounts when they should be reported as " Closed. '' Failure to Update Account as In Dispute ( FCRA 15 U.S.C. 1681s-2 ) I previously disputed these accounts, but they were not marked as " in dispute, '' which violates consumer protection laws.

Reporting by a Collection Agency Without Permissible Purpose ( FCRA 15 U.S.C. 1681b ) Some collection agencies are reporting accounts without proof that they have a legal right to collect on the debt.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; 1 am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.

If your offices fail to respond to this validation request within 30 days from the date of your re and a cony or such deetionregest sha ba sent o me mmedae y moved from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-20 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: FL

Complaint narrative:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2025-03-20 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: MI

Complaint narrative:
I recently became aware of multiple inquiries from your company on my credit report that I never authorized, and I am extremely frustrated by 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 the Electronic Fund Transfer Act ( EFT ) 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 2025-03-21 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation