vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
XX/XX/year> Subject : Cease and Desist Unlawful Reporting and Communication To whom this may concern, This letter serves as a formal demand that you CEASE AND DESIST from all further actions that negatively impact XXXX XXXX, credit and personal financial standing, including but not limited to reporting to credit bureaus. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws, reporting to my credit file constitutes a form of communication. Any further reporting or updates regarding this matter, absent my direct authorization, may be considered a violation of my rights. 

If you do not immediately cease these actions, I will pursue all available legal remedies, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seeking legal action for damages and injunctive relief. 
Requesting removal of any inaccurate or improperly reported information with credit reporting agencies. 
You are hereby instructed to confirm in writing within reasonable deadline 10 business days, that you will cease all improper credit reporting and related communications. Failure to comply may result in immediate legal action against you. 

This letter serves as official notice. I strongly advise you to treat this matter seriously. 

Sincerely, 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 2025-03-12 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: FL

Complaint narrative:
Please remove many hard inquiries in my credit report that are not mines. 
1-XXXX XXXX XXXX DATED XXXX XXXX 2024 2XXXX XXXX XXXX 2024 3- XXXX XXXX XXXX XXXX 2024 4-XXXX XXXX XXXX 2024 5XXXX XXXX XXXX XXXX 2024 6XXXX XXXX XXXX XXXX 2024 7- XXXX XXXX. BANK XXXX 8- XXXX  XXXX XXXX XXXX 2024 9- XXXX XXXX XXXX 2024 10- XXXX XXXX XXXX  XXXX2024

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 2025-03-12 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Summary of the Issue In XX/XX/year>2024, my student loan was placed into an Income-Driven Repayment ( IDR ) Plan. However, due to an error in processing my IDR recertificationof which I was never notifiedmy payment was automatically increased to approximately {$1000.00} per month. Because this change was unexpected and unaffordable, my loan fell 90 days past due, and XXXX reported this delinquency to the credit bureaus, causing severe damage to my credit score. 

However, at no point was I informed that I needed to recertify my IDR plan, nor was I given the opportunity to correct the issue before my credit was impacted. 

Violations by XXXX XXXX actions violate federal loan servicing regulations and consumer protection laws : 1. Failure to Notify Me of Recertification Requirements I was never informed that I needed to recertify my IDR plan. Loan servicers are required to provide adequate notice regarding recertification deadlines.

2. Failure to Offer Assistance Before Reporting Delinquency The Higher Education Act ( Section 430A ) requires servicers to assist borrowers before allowing a loan to become delinquent. I was never offered forbearance, deferment, or an alternative repayment plan before being reported late.

3. Inaccurate and Unjustified Credit Reporting Under the Fair Credit Reporting Act ( Section 623 ), loan servicers must ensure the accuracy of the information they report. Because my recertification failure was due to a lack of notification, XXXX reporting of my loan as delinquent was inaccurate and unjustified. 
4. Failure to Follow Required Forbearance Procedures My account should have been placed into an administrative forbearance rather than reported late while I was actively attempting to resolve the 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 explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Summary of the Issue In XX/XX/scrub> 2024, my student loan was placed into an Income-Driven Repayment ( IDR ) Plan. However, due to an error in processing my IDR recertificationof which I was never notifiedmy payment was automatically increased to approximately {$1000.00} per month. Because this change was unexpected and unaffordable, my loan fell 90 days past due, and XXXX reported this delinquency to the credit bureaus, causing severe damage to my credit score. 

However, at no point was I informed that I needed to recertify my IDR plan, nor was I given the opportunity to correct the issue before my credit was impacted. 

Violations by XXXX XXXX actions violate federal loan servicing regulations and consumer protection laws : 1. Failure to Notify Me of Recertification Requirements I was never informed that I needed to recertify my IDR plan. Loan servicers are required to provide adequate notice regarding recertification deadlines.

2. Failure to Offer Assistance Before Reporting Delinquency The Higher Education Act ( Section 430A ) requires servicers to assist borrowers before allowing a loan to become delinquent. I was never offered forbearance, deferment, or an alternative repayment plan before being reported late.

3. Inaccurate and Unjustified Credit Reporting Under the Fair Credit Reporting Act ( Section 623 ), loan servicers must ensure the accuracy of the information they report. Because my recertification failure was due to a lack of notification, XXXX reporting of my loan as delinquent was inaccurate and unjustified.

4. Failure to Follow Required Forbearance Procedures My account should have been placed into an administrative forbearance rather than reported late while I was actively attempting to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
Summary of the Issue In XX/XX/scrub> 2024, my student loan was placed into an Income-Driven Repayment ( IDR ) Plan. However, due to an error in processing my IDR recertificationof which I was never notifiedmy payment was automatically increased to approximately {$1000.00} per month. Because this change was unexpected and unaffordable, my loan fell 90 days past due, and XXXX reported this delinquency to the credit bureaus, causing severe damage to my credit score.

However, at no point was I informed that I needed to recertify my IDR plan, nor was I given the opportunity to correct the issue before my credit was impacted. 

Violations by XXXX XXXX actions violate federal loan servicing regulations and consumer protection laws : 1. Failure to Notify Me of Recertification Requirements I was never informed that I needed to recertify my IDR plan. Loan servicers are required to provide adequate notice regarding recertification deadlines.

2. Failure to Offer Assistance Before Reporting Delinquency The Higher Education Act ( Section 430A ) requires servicers to assist borrowers before allowing a loan to become delinquent. I was never offered forbearance, deferment, or an alternative repayment plan before being reported late.

3. Inaccurate and Unjustified Credit Reporting Under the Fair Credit Reporting Act ( Section 623 ), loan servicers must ensure the accuracy of the information they report. Because my recertification failure was due to a lack of notification, XXXX reporting of my loan as delinquent was inaccurate and unjustified. 
4. Failure to Follow Required Forbearance Procedures My account should have been placed into an administrative forbearance rather than reported late while I was actively attempting to resolve the 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 explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX The XXXX XXXX charged off my account with them. 
I believed another company purchased the charged off account. 
The Other company is Midland Credit. I do not have any affiliation with this creditor/collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Summary of Vehicle Issues and Dealership Experience I purchased a car from the XXXXXXXX XXXX  XXXX XXXX and after just one month of use around 3rd week XX/XX/XXXX, it began to malfunction. Following the initial issues, I took the vehicle to the service center, where I was informed that it should not be on the road. Despite this warning, the service team suggested that if I added a container of oil every XXXX miles, I would be fine. 

Unfortunately, this advice led to engine failure on XX/XX/XXXX, which was eventually covered by my extended warranty. However, the dealership is now claiming that I need a new catalytic converter, which will cost $ XXXX sum I can not afford. 

I feel that the dealership was aware of these potential issues, as the car started shutting down shortly after I began driving it. Currently, they have been unresponsive to my attempts to resolve this situation, leaving me frustrated and without a viable solution. I have been without my car now since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Block Fraudulent Inquiries Under FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally request the immediate blocking and removal of fraudulent inquiries that have appeared on my credit report as a result of identity theft. As outlined in the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block reporting of information that a consumer identifies as resulting from identity theft within four ( 4 ) business days of receiving a request. 

The following inquiries on my credit report were made fraudulently and must be blocked and removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed with this letter, please find the following documents to support my claim : A copy of my government-issued identification.

A copy of my utility bill or other proof of residency.

A copy of the police report or FTC Identity Theft Report filed regarding this matter.

I expect Experian to comply with federal law and block the above-listed fraudulent inquiries from my credit report within the mandated four ( 4 ) business days. Additionally, please provide a written confirmation that these inquiries have been removed, along with an updated copy of my credit report reflecting these changes. 

Should you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-03-12 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: TX

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve 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 explanation
Consumer complaint received 2025-03-12 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: AZ

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 explanation
Consumer complaint received 2025-03-12 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: MI

Complaint narrative:
I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account XXXX Open date : XX/XX/year>. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I need to have these debt validated. I never engaged with these companies in any business transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I paid {$3400.00} using my USAA XXXX XXXX Credit Card to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Boot Camp. The program was supposed to include training, study materials, and exam vouchers. Shortly after my payment, XXXX XXXX emailed me an unsolicited offer, stating he had a job opportunity requiring a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certification. He asked to postpone my paid XXXX  training so he could schedule the XXXX training for his job opportunity. He assured me the XXXX training would be free and that my paid XXXX  training would still take place the following week. He also stated the free XXXX  training would include XXXX days of instruction, an official book, an official student kit, and exam vouchers. I attended the free XXXX training during the week of XX/XX/year>. However, the promised book did not arrive until XX/XX/year>, and I never received the official student kit or exam vouchers. Despite multiple follow-ups, I never received the XXXX  Boot Camp, book, student kit, or exam vouchers I originally paid for. My attempts to resolve this with XXXX XXXX resulted in inconsistent responses, empty reassurances, blame shifting, or lack of response. I disputed the charge with USAA, providing clear documentation that XXXX XXXX failed to deliver the XXXX  training. However, USAA ruled in his favor. After reviewing XXXX XXXX 's responses to my dispute, I identified inconsistencies and submitted additional evidence, and reasserted my response via XXXX, but USAA refused to review or reopen my case. I am seeking a full refund of {$3400.00} due to XXXX XXXX breach of agreement, misleading claims, and failure to provide services. This situation reflects a pattern of unfulfilled promises, misrepresentation, and poor business practices by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I request full restitution and formal acknowledgment of these deceptive practices. Please note that the Credit Card used in this transaction was fully paid off and closed, but I am still a member of USAA and they will be able to locate my account.

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, Which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent 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 losses, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation