vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
Iam writing to formally request the immediate blocking and deletion of all accounts associated with my personal information following a recent data breach. Below are the affected accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Balance : {$49000.00} Date Opened : XX/XX/year> This request is made under the Fair Credit Reporting Act ( FCRA ), and I am citing the following sections : 15 USC 1681c-2 ( a ) : I request the immediate blocking of any accounts opened fraudulently in my name.

15 USC 1681i : Please investigate and delete any inaccurate or unverifiable information resulting from this breach.

15 USC 1681e ( b ) : I ask that you conduct a thorough review of my credit report and correct any inaccuracies caused by this breach.

15 USC 1681g ( a ) : I am requesting a full copy of my consumer report to verify the accuracy of the information being reported.

15 USC 1681m : Please ensure that no negative information from this breach is reported inappropriately.

I respectfully request written confirmation of the actions taken regarding my accounts, along with an update on any steps XXXX is implementing to safeguard my personal information from further misuse. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX ( Last 4 Digits ) : XXXXDate of Birth : 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 2025-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MT

Complaint narrative:
This servicer XXXX XXXX in Iowa is reporting missed payments that I did not miss. I have never missed a payment or made a late payment. I have been on an income based repayment plan, retained all communication and faxes I have sent to this company XXXX to recertify for this payment plan, all mail and bills sent to me over the duration of this loan. The response by the company constitutes additional evidence of fraudulent and dishonest bad faith conduct on part of servicer. XXXXXXXX XXXX continues to send bills to me requiring no payment amount, stating they have not received information for recertification I have faxed three times this year. Services aspire has accepted and cashed payment for these loans this year. Continued dishonesty and statements of missed payments in XXXX and XXXX are not accurate and are fraud by the servicer. Remove this inaccurate payment information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
Hello, I submitted a dispute with XXXX XXXXXXXX XXXX, Experian & Equifax XX/XX/XXXX. 

They are still supplying CRAs with inaccurate information on my credit report that is a violation 15 U.S.C 1681s-2 ( 1 ) ( a ).

They have the wrong date of delinquency which is a violation of 1681s-2 ( 5 ) ( A ) see case XXXX XXXX V performance capital mgmt., Inc., F.T.C File No 982-3542.

15 U.S. Code 1681e ( b ) - Compliance procedures of accuracy and procedures.

15 U.S. Code 1681i ( 5 ) ( ii ) states this information must be promptly deleted.

15 U.S. Code 1681n ( 1 ) ( A ) civil damages of willfully non compliance will result in monetary damages.

I want my case to be completed by 30 days as the CRAs are allotted by law.

Equifax & Experian have different dates and inaccuracys of payment history Equifax states my payment history is paid never late as of XX/XX/XXXX but Experian states Im charged off, date of delinquency is inaccurate, date of last activity on both accounts are inaccurate, and last reported date. 


Account on my credit report is XXXX I am submitting a picture of my credit report and inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-03-29 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: NV

Complaint narrative:
I received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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 received a letter stating the account should and would be removed by the vendor

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 2025-03-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I sued by Jefferson capital systems on XX/XX/XXXX I was served on XX/XX/XXXX I file answer with the court on XX/XX/XXXX Jefferson capital filed summary judgement on XX/XX/XXXX without ANY type of notice to me Violating Rule XXXX ( g ) and Rule 4.1 As you can see I never had the opportunity to defend or argue my case. 

When I checked court case on XX/XX/XXXX I found out I had a judgement issued on XX/XX/XXXX I filed a motion to set aside with the court on XX/XX/XXXX which got denied on XX/XX/XXXX I filed a motion to vacate with the court on XX/XX/XXXX which got denied on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
Received an Experian credit dispute case results/resolution report via XXXX in XXXX of 2024. I did not file a dispute. At the time I did not think anything of it but recently looked into it after seeing other suspicious activity. The dispute states that my current phone number and all previous phone numbers were deleted before the dispute and a phone number that does not belong to me was added after the dispute. In addition the dispute is not filed under my current legal name and is filled under my maiden name. It also states my birth year incorrectly, I filed with the FTC and other bureaus ( no issues ). However, I can not access any of my own person information from Experian as my social security number is now linked to a phone number and email address that are not mine. They are fraudulent. I contacted Experian as I could not even place a credit freeze. I asked to see any additional documentation regarding the dispute and to gain access back to my personal information. They would not do either. They kept referring me to member services. I am not and to my knowledge have never been an Experian member. I legally have the right to access my personal information and can not. Clearly there is an issue with Experian as I had no issues verifying my identity with XXXX and 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Im a victim of identity theft my car was broken into a couple years ago. I made a police report on the break-in of the vehicle, which my wallet and other personal items were in the car. months later, I had negative inquiries on my credit report for two cell phones when I requested information from the phone company they said they could not provide me any information over the phone as I went in in person they could not provide me any information because I was not the person on the account even though the account was close to my credit report I was unable to obtain the information of who used my ssn XXXX informed me that it was a safety policy for the other people which I ended up having a confrontation with them over that anyhow I have been disputing this for years with experience and all they do is leave it sitting in a pending dispute status for months that exceed 30 days then it will pop back up on my credit report as validated without providing me any proof of claim when I have spoken with them on the phones multiple times, they said that their proof of claim is just a three questionnaire bubble sheet sent out to companies which is totally wrong and not considered professional proof of claim for negative information should be copy of original photo ID copy of original signature signed in other documents that were signed by the person that opened that alleged account if Experian or any other credit company can not provide such information and not receive such information from the companies posting the negative information than those counts should be automatically removed from your credit report sending a three bubbled questionnaire sheet out to companies is unprofessional and is not a proof of claim I have requested proof of claim from experience time and time again and they refuse to send me anything besides, tell me that they send out a free bubble questionnaire to the person to post on your credit those accounts on my credit report or more than seven years old so how is it? Those accounts are being validated if companies do not even hold information that long.???? I am requesting actions against Experian for life violating the consumer protection law and then requesting deletion of identity theft accounts one a XXXXXXXX XXXX  account XXXX and the second 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 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Background = XX/XX/XXXXXXXX- my identity stolen. 
XX/XX/XXXXXXXX XXXX - I signed in to Experian and froze my credit. 
XX/XX/XXXXXXXX XXXX- I could no longer sign in to Experian. My email address had been changed. 

On XX/XX/XXXX XXXX XXXX I called Experian and was directed to a team outside of the XXXX to handle my fraud case. A hacker changed my email address and I can not get into my Experian account. I also had fraud a few months prior where someone was trying to open credit cards. I put a freeze on my account in XXXX when I found this out. 
Now I can not log in due to the change of the email. Experian sends ID info to the email address. I can not get in and the hacker could remove my fraud and freeze. 
Despite this, Experian did not follow up or send information about changing my email. I spoke with a woman who struggled to spell my name. I answered her ID questions and she said she would email me to reset my email. I never got an email. 

I called XX/XX/XXXX to fix the email problem again as now I need to unfreeze my credit for a new apartment, but I dont want to do it if someone elses email is on my account. 
This time it took 45 minutes to get to a human. His name was XXXX but he told me he is not in the XXXX XXXX. How can the XXXX XXXX XXXX  be outsourcing to countries with different laws with our SSNs? 
XXXX took my information but only said I would get an email. He could not tell me when to expect the email. He did not try to further verify me so that he could correct my email. He would not confirm the phone number on file - the ID texts are no longer going through to my number but the last 4 digits show its my true number. Is the Experian text system broken? He also would not tell me how to reach him. He would not tell me how to get past the AI operator to a human. He gave me an escalation ticket number but I have no idea who to give it to or how long before I should reach out again. I dont even know if Ill be able to reach a human. 

I need the credit bureau to have the correct info on file. XXXX and XXXX are fine. How can one of the XXXX credit bureaus be run in a different country and so easy to hack?

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 2025-03-30 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: NY

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by Equifax They have failed to comply with federal regulations by reporting inaccurate, unverifiable, and misleading information on my credit reports despite multiple disputes sent via certified mail. These violations have negatively impacted my credit score and my ability to obtain credit. I have attached copies of my credit reports ( from IdentityIQ ), certified mail receipts, and dispute letters as evidence. Below is a summary of the violations : Dates of Correspondence : Dispute Letters Sent : XX/XX/year> via Mail Received XX/XX/year> Reinvestigation Requests Sent : XX/XX/year> via Mail Received XX/XX/year> Method of Verification Requests Sent : XX/XX/year> via Mail Received XX/XX/year> Violations : 15 U.S.C. 1681i Failure to properly reinvestigate disputed information and failure to consider all consumer-provided evidence.

15 U.S.C. 1681i ( a ) ( 2 ) Failure to notify furnishers of disputed information within XXXX business days. 
1

5 U.S.C. 1681i ( a ) ( 5 ) Failure to promptly delete or correct inaccurate or unverifiable information after reinvestigation. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Fail
ure to provide a description of reinvestigation procedures within XXXX  days of request.

15 U.S.C. 1681b Lack of permissible purpose for credit inquiries.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy in reporting. 
15 U.S.C. 1681g Failure to disclose complete file upon request. 15 U.S.C. 1681s-2 ( b ) Continued reporting of inaccurate information despite disputes and failure to correct errors. 15 U.S.C. 1681c ( f ) Re-aging an account by changing the Date of Last Activity ( DLA ). 15 U.S.C. 1681i ( c ) Failure to mark accounts as disputed. Equifax have committed multiple violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by failing to accurately investigate disputes, improperly verifying unvalidated debts, re-aging accounts, failing to provide proof of verification, and continuing to report incorrect information despite being notified multiple times. 

As a consumer, I have exercised my rights by submitting formal disputes and requests for verification, all of which were either ignored or improperly handled. I have attached proof of certified mail receipts and tracking numbers showing delivery of my disputes, yet the violations remain unaddressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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 requested to start the abiration process and was told they didn't offer that. I have requested several times and will.not honor the terms of service. They closed my account for violating the terms of service but they wont honor their own terms of service. My account was closed XX/XX/year> my information was changed XX/XX/year> to a debit card I didnt reconize and that person cash out my balance of XXXX cash app.allowed this and responsibility for this. Cash app is refusing to issue my refund XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: NY

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by Transunion They have failed to comply with federal regulations by reporting inaccurate, unverifiable, and misleading information on my credit reports despite multiple disputes sent via certified mail. These violations have negatively impacted my XXXX XXXX and my ability to obtain credit.I have attached copies of my credit reports ( from IdentityIQ ), certified mail receipts, and dispute letters as evidence. Below is a summary of the violations : Dates of Correspondence : Dispute Letters Sent : XX/XX/year> via Mail Received XX/XX/year> Reinvestigation Requests Sent : XX/XX/year> via Mail Received XX/XX/year> Method of Verification Requests Sent : XX/XX/year> via Mail Received XX/XX/year> Violations : 15 U.S.C. 1681i Failure to properly reinvestigate disputed information and failure to consider all consumer-provided evidence.

15 U.S.C. 1681i ( a ) ( 2 ) Failure to notify furnishers of disputed information within XXXX business days. 
15 U.S.C. 1681i ( a ) ( 5 ) Failure to promptly delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of reinvestigation procedures within XXXX  days of request.

15 U.S.C. 1681b Lack of permissible purpose for credit inquiries.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy in reporting. 
XXXX5 U.S.C. 1681g Failure to disclose complete file upon request.

15 U.S.C. 1681s-2 ( b ) Continued reporting of inaccurate information despite disputes and failure to correct errors.

15 U.S.C. 1681c ( f ) Re-aging an account by changing the Date of Last Activity ( DLA ).

15 U.S.C. 1681i ( c ) Failure to mark accounts as disputed. 
15 U.S.C. 1681s-2 ( b ) Re-aging account by updating Date of Last Activity ( DLA ) improperly.

Transunion have committed multiple violations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by failing to accurately investigate disputes, improperly verifying unvalidated debts, re-aging accounts, failing to provide proof of verification, and continuing to report incorrect information despite being notified multiple times. 

As a consumer, I have exercised my rights by submitting formal disputes and requests for verification, all of which were either ignored or improperly handled. I have attached proof of certified mail receipts and tracking numbers showing delivery of my disputes, yet the violations remain unaddressed.

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 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I have never had knowledge of this company or debt they have violated several consumer laws and FCRA rules and regulations they have all of my information incorrect wrong addresses name spelled wrong. 15 USC 1681 c-3

Company response to consumer: Closed with explanation