vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX, have violated my rights by unlawful communication, please remove this collection off my credit report thank you.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX - XXXX - {$75000.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have never had an account with this company. They have falsely filed a collection on my credit reports. They have never sent me any proof of ownership of the account, or an accounting itself. I dispute that this account was ever mine

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: NY

Complaint narrative:
There is an item that shows up from two of the credit bureaus. It is a large line of credit on a credit card, about half my annual salary. When I inquired, I was told that I was an authorized user on the account. The problem is that I dont even know who the card holder was, and I have no way to contact them. A letter from XXXX, which has the account, tells me to call a number which is automated in order to reach someone. This would require me to be privy to information I never had, including a PIN number and a social security number. So I have no way to reach the cardholder and ask that I be removed as an authorized user, and I do not have the card, so have no way to use the card anyway, and I have no identifying information to get through to customer service to request further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These attachments are proof these agency are willing doing illegal and bias on reports. Violations under TILA Formal Demand for Removal of Unauthorized Hard Inquiry Under **15 U.S.C. 1681b**, a consumer reporting agency may only provide a credit report for permissible purposes, such as when I have given express written consent. Since I never provided such consent for this inquiry, its presence on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, under **15 U.S.C. 1681n ( a ), 15 U.S.C. 1681n ( A ), and 15 U.S.C. 1681n ( B ) **, any person who willfully obtains a consumer report under false pretenses or without a permissible purpose is liable for statutory damages, punitive damages, and attorney fees. This means that you too are in violation of federal law by continuing to report this unauthorized inquiry. 

I demand the immediate removal of this inquiry from my credit report. Failure to comply within **30 days** of receiving this letter will result in me pursuing legal action against all responsible parties, including but not limited to, filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and my **State Attorney General 's Office**.

I have attached a copy of my credit report highlighting the disputed inquiry, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of this unauthorized inquiry and provide a numeric FICO score.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 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 investigation of disputes. Furthermore Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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 — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal CIC CREDIT XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Inquiry Date : XXXX. XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Manhattan Beach Venture, LLC
State: CA

Complaint narrative:
Based on the FERPA laws, my account for student aid loans should be private. However, my information was leaked to someone claiming they are part of the government. Meaning my social security number, address, and other personal information is not in the hands of people I dont even know. This is unacceptable and I will not tolerate this misuse of my identity.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX I had previously submitted my XXXX XXXX to the U.S. Department of Education letting them know I'm XXXX due to a work injury on XX/XX/year> The injury is XXXX XXXX and painful It prevents me from working or being active, There are moments when I get very XXXX  from my injury at work, I get XXXX XXXX XXXX  because people talk about my XXXX XXXX XXXX at times I feel discriminated against by other people in public spaces I would like to have my student loans fully discharged due to my XXXX  XXXX and my XXXX XXXX

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I, XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, TRANSUNION, AND EQUIFAX.

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I have called the Mohela customer service line several times since XXXX ( it is now XXXX ) and can not get through to talk to a human representative. I have waited up to XXXX hours and still failed to get through. From XXXX through XXXX, the customer service line recorded message specifically addressed my concern about a forbearance while IDR and PSLF applications pend, and stated that the forbearance was in process. I rested easy even thought I couldn't get through because the recorded message alleviated any alarm bells that were going off. Now, in XXXX, that recorded message is gone, my forbearance has not been placed on my account, my IDR and PSLF applications are still pending, and I am received bills for a monthly payment on the Standard Repayment plan. My account is not delinquent as of the first due date, which was XX/XX/year>. I still can not get through on the phone. I sent an email on XX/XX/XXXX requesting the forbearance and for someone to get in touch with me. I have not received any communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am contacting you regarding several issues with my credit report, including incorrect account entries, an unrecognized collection, unauthorized credit inquiries, reporting inaccuracies, and billing errors. I would appreciate your assistance in resolving these matters to safeguard my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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:
In 2020 I had identity theft. Provided the credit bureaus with my FTC report and police report. They never removed the items. I have hard inquiries, late payments, charge-offs, and names that are not mine on my report and it's only getting worse. It's been 5 years now and they STILL have not done anything even after recently filing disputes. Additionally, the credit bureaus have not removed anything from my report that has expired and should have dropped off 2 years ago. My updated FTC report has both the claim from 2020 included along with the new claim. 

I have contacted the following : XXXX - who filed disputes on my behalf FTC - I provided the bureaus with both identity theft reports, along with my id and proof of residency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: AZ

Complaint narrative:
My company is receiving emails asking for wage assessments, but my company does not allow that. They continue to harass me at my work and I will lose my job if this continues..

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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
I disputed a transaction with Cash App that I did not recognize. Which should be a simple process or at least let me know what the charge was for. I even went through steps of verification of my identity like license and facial recognition to make the dispute. I had zero intentions of fraud. I've made a few disputes before with zero issue when my card was lost last year in XXXX. Someone tried to use it for sports betting apps. Those disputes were won. I had every right to be cautious with Cash App ever since this happened. I've noticed their app removing features that made disputes simple this year. I honestly think it's because they allow so much fraud to begin with that they are automatically shutting accounts down with not caring about their customers. Cash app already has a XXXX XXXX dollar lawsuit against them. But anyway, I contacted the XXXX  about this problem and they couldn't do a single thing. Cash app gave me automatic responses and would not listen to my claims or messages to fully see what happened. They just went by a script and did not help me at all. The company seems extremely shady and when I called them they sent me to an XXXX call center. The guy didn't care about anything I said either and said everything word by word on a script. The same messages over and over. I violated terms of services. Which makes no sense when I disputed a purchase. Anyone should be able to do this no matter if they are wrong or right. It makes absolutely no sense. XXXX won't even shut your account down over such nonsense. They have done this to other people as well and those people still had money left in their accounts. They are going to close my account officially on the XXXX of XXXX. I have done everything in my power to convey my situation but they refuse to listen. Their customer service is terrible and the company is poorly run by foreigners who are scammers. I just wanted my account back because I only purchase things like food and send money to my sister with it. It makes me angry that they don't care about customers they've had for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have always been known from child birth and current as XXXX XXXX and have never been known as XXXX XXXX nor any other names I have contacted Experian multiple times and they refuse and have absolutely done anything to help me out and continue having on my credit report XXXX XXXX. I need XXXX XXXX removed immediately cause that not my name and I have never been known by that name. 

I have also sent over to them my license and nothing on their behalf. 

Also I need all addresses removed immediately I have told them as well an no help whatsoever

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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO )

Company response to consumer: Closed with non-monetary relief