vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
I am writing to formally report a data breach that has resulted in unauthorized access to my personal information and credit file. My information was compromised during a data breach involving [ Name of the Company or Organization that experienced the breach ] on [ Date of the Breach ]. As a result, I request your assistance in addressing this matter, as my credit file has been adversely affected. 

The accounts impacted by this breach include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the following inquiry items with trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ), I have the right to dispute any information in my credit report that I believe is inaccurate. The accounts listed above are a result of unauthorized access to my personal information and are, therefore, inaccurate.

Additionally, pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( 3 ), I am entitled to have my credit file updated to reflect the accurate information, and under 15 USC 1681i ( a ) ( 5 ) ( B ), I have the right to request that these inaccurate entries be removed from my credit report. 

I respectfully request that your office investigate this matter and take appropriate action to ensure that the affected accounts are deleted from my consumer file. I am also seeking guidance on any additional steps I should undertake to safeguard my identity and credit status. 

Enclosed are the relevant documents pertaining to the data breach and its impact on my credit file. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am formally disputing the accuracy and validity of an account appearing on my credit report. This account contains inaccuracies, potential violations of federal law, and unverifiable information that require its immediate removal under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ]. Below are the account details in question : Account Details Under Dispute : Creditor Name : XXXX Financial Account Number : XXXX Account Type : Revolving ( Credit Card ) Balance : {$2100.00} Status : Collection/Charge-Off Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX ( varies by bureau ) Date Last Reported : XX/XX/XXXX ( varies by bureau ) Legal Grounds for Deletion : Inconsistent and Unverifiable Information FCRA 1681i & FCRA 1681e ( b ) : The high credit limit is reported differently ( {$2400.00} on XXXX vs. {$1600.00} XXXX XXXX ). The last reported dates differ across bureaus, suggesting potential re-aging of debt, which is illegal. The Date of Last Activity ( DLA ) and Date of Last Payment are inconsistent, showing that the creditors reporting is unreliable. 
Re-Aging of Debt FCRA 1681c ( a ) ( 4-5 ) Violation : If an account is charged off, it must be reported based on the original delinquency datenot the last update date. The Date of Last Activity varies between bureaus, which is a clear sign of re-aging to extend the reporting period. Re-aging is a federal violation, and any account re-aged must be removed immediately per FCRA 1681c ( a ) ( 4 ).

Failure to Provide Verification FCRA 1681i ( a ) ( 1 ) and FDCPA 809 ( b ) : Under FCRA 1681i ( a ) ( 1 ), any disputed account must be verified within 30 days, or it must be deleted. If this debt was sold, transferred, or written off, the original creditor must provide validation of ownership. If the creditor can not verify the accuracy of this information, it must be removed immediately per FCRA 1681i ( a ) ( 5 ).

Charged-Off Accounts are Not Legally Enforceable FCRA & FACTA Compliance : If an account is charged off, it is no longer an active debt obligation and should not continue to impact my report under FACTA guidelines . Creditors can not continue to report an unpaid balance after the charge-off unless the account is legally enforceablewhich is not the case here.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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 XXXX mely and Tective measures to XXXX XXXX  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 ( 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 2025-02-12 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines XXXX The reporting of this account without issuance of a 1099-C form is both misleading and a violation of my rights under federal law. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off. 

Legal Basis for Complaint Violation of IRC 6050P : The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditors adherence to federal law. 

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditors reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as income and documented through a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-02-12 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: IL

Complaint narrative:
It has come to my attention that my personal information was exposed in the national data breach. Upon reviewing my credit reports I noticed accounts that I do not recognize I requested validation from the credit reporting agencies under 15th U.S.C1692G but they have failed to provide the necessary information likely due to my compromised data as a result I have filed a complaint with the FTC. Regarding these unfamiliar accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-12 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: NY

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 2025-02-12 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: FL

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

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 each 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 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: TX

Complaint narrative:
According to the documentation provided by Selene Finance, the calculations are still incorrect for the proclaimed shortage. 
Totals for XXXX taxes and insurance was {$7700.00}. 
Totals for XXXX taxes and insurance was {$9300.00}. 
My escrow collected by Selene Finance for XXXX was {$7300.00}. 
My escrow collected by Selene Finance for XXXX was {$5200.00}. 
Taxes and insurance for both years totals {$17000.00}. 
Total escrow collected by Selene Finance for both years was {$12000.00}. 
The difference being {$4400.00}. NOT the claimed {$8900.00}.

Based on Selene Finances own documents their Math is incorrect. I have now paid three months based off incorrect amounts.

I would like for Selene Finance to recalculate my payments with the correct math and apply previous paid amounts to the existing shortage of {$4400.00}. 
The total paid in for " shortage '' to date is {$2400.00}. 
For Reference : XX/XX/XXXX I paid {$920.00} for shortage alone. 
XX/XX/XXXX I paid {$740.00} for shortage alone. 
XX/XX/XXXX I paid {$740.00} for shortage alone. 
This means I only owe a remainder of {$2000.00} in claimed shortage. I do believe the projected 2025 years escrow to be correct. The {$890.00} escrow being collected is not being disputed only the claimed shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-12 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: NY

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : Dispute of Incorrect Late Payment Report Application of CARES Act Protections Dear CFPB Representative. 

I am writing to formally dispute an incorrect late payment report on my credit history, recorded as 30 days past due in XX/XX/XXXX by XXXX This negative mark has significantly impacted my credit score, and I believe it was erroneously reported under the provisions of the **CARES Act**. 

During the XXXX pandemic, I reached a payment accommodation agreement with XXXX XXXX due to financial hardship. According to Section 4021 of the **CARES Act**, if a consumer was current on their account before entering a forbearance, deferment, or other accommodation, the account should continue to be reported as current, provided the agreed-upon terms were met. My account was current before requesting and receiving this accommodation.

However, my credit report reflects a XXXX-day late payment in XX/XX/XXXX, despite my compliance with the agreed accommodation terms. I have attached supporting documentation, including my agreement with XXXX and relevant payment records, to demonstrate that my account should have been reported as current. 

I kindly request the following corrective actions : 1. **Investigation and Removal of the Late Payment** Please review my case and instruct XXXX  to correct the inaccurate reporting. 
2. **Updated Credit Report** Once the correction has been made, I request an updated credit report reflecting the accurate information.

I appreciate your prompt attention to this matter, as this incorrect report is negatively affecting my financial standing. Please confirm receipt of this dispute and provide me with updates on the investigation process. If you require additional documentation or information, do not hesitate to contact me at XXXX or XXXX. 

Thank you for your time and assistance. 

Sincerely 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 2025-02-12 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: NV

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-02-12 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: OH

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXXAccount # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX FUNDING LLC/ XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief