vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: PA

Complaint narrative:
I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. 

The following inaccuracies in my credit report require immediate correction or removal : XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. XXXX ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : XXXX ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
I am writing to formally request the removal of seven unauthorized hard inquiries from my credit report, as I did not authorize them. The disputed inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information. My personal data has been compromised in both a COVID vaccine data breach and a dark web data breach, increasing my risk of identity theft. These unauthorized inquiries are the result of fraudulent activity, and I request their immediate removal. 

I have attached a copy of my FTC Identity Theft Report to support my claim. Please investigate this matter and provide documentation proving my authorization for these inquiries. If you can not verify my consent, they must be removed under the FCRA.

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 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PR XXXX Phone : XXXX Email : XXXX Date : XXXX, XXXX, XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX Request to Dispute Negative Information on My Credit Report Under Consumer Law, 15 USC 1681 ( 0 ).

Dear Sir/Madam, I am writing to formally dispute the negative information contained in my credit report. I have reviewed my credit reports issued by the major credit bureaus ( Equifax, Experian, and TransUnion ) and have identified information that I believe is inaccurate, outdated, and harmful to my credit score. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( o ), which establishes civil liability for negligent noncompliance with credit reporting rules, I am requesting that the negative accounts be removed from my credit report. 
Identification Information : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX  Social Security Number : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX The accounts I am referring to, which should be removed, include but are not limited to those marked as " charge-off '', " unpaid '', or any other label indicating negative information. These accounts have been previously disputed with the credit bureaus, and under the law, the negative information must be corrected or removed if it is not accurate or no longer reflects my current financial situation. In accordance with the FCRA and the rules established by the CFPB, I request that : 1. All negative accounts on my credit report that are not accurate or do not reflect the current status of the debts be removed.

2. Any errors related to my personal information, such as my name, address, Social Security number, and date of birth, be corrected if they are incorrect on my report.

3. A proper investigation be conducted into each account, and if the accuracy of the information can not be verified, it should be removed from my credit report. 
I am attaching supporting documents, including a copy of my credit report, payment receipts, previous dispute records, and a copy of my personal identification as evidence to support my request. 
In compliance with my rights under the FCRA and consumer law, I request that this dispute be processed and resolved promptly. I would appreciate the necessary steps being taken to correct my credit report and that I be informed of the outcome of the investigation. 
I look forward to receiving confirmation of the resolution of this matter as soon as possible, either by email or postal mail. If additional information or documents are required, please feel free to contact me. 

Thank you for your attention and timely resolution of this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: NV

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notification of Identity Theft Due to Data Breach Dear Experian, I am writing to formally notify you that my personal information was compromised in several data leaks, and I am now a victim of virtual identity theft and fraud. As a result, I request that you take immediate steps and actions to protect my credit and personal information, as well as investigating any fraudulent activity linked to my name. 

The data breach occurred on multiple platforms, and my sensitive data, such as Social Security Number, date of birth, address, email, phone number, bank information, debit or credit card details may have been exposed to unauthorized parties. Since learning of this breach, I have taken steps to secure my information, including placing fraud alerts on my accounts, but I am now experiencing unauthorized activity on my credit reports. 

I respectfully request the following actions be taken to mitigate further damage : 1. Place a fraud alert on my credit report to notify potential creditors that my information may have been compromised.

2. Request a credit freeze to prevent any new accounts or inquiries from being made without my authorization ( if applicable ).

3. Investigate any unauthorized activity related to my personal information, including any suspicious accounts or credit inquiries.

4. Provide a copy of my credit report to help me identify and address any discrepancies caused by identity theft. 

Enclosed, please find a copy of my [ government-issued ID, proof of address, or any other documents you may be submitting as evidence of your identity ], and any other required documentation to assist in the processing of my request.

Please confirm receipt of this letter and let me know the actions taken to protect my credit and personal information. I understand that this may take time, but I would appreciate any updates regarding the status of my case.

Thank you for 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 2025-02-10 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: DE

Complaint narrative:
: Formal Dispute and Demand for Cancellation of Student Loan Due to Illegal Access of Personal Information illegal access by DOGE ( XXXXXXXX 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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XXXX XXXX I noticed charges being approved by Cash app after I had already reported they were fraudulent. By the evening they had already drained the {$520.00} balance that I had to purchase XXXX gifts. The charges started being approved on XX/XX/XXXX. Some were declined. On XX/XX/XXXX they allowed all to go through. The apps were taking XXXX, XXXX, & XXXX every minute until they started to decline when my balance was {$0.00}. 
I reported through chat, I spoke to different representatives, I was transferred and spoke to other departments to file complaints. I was hung up on several times. I was told they couldn't file all transactions at once and I would have to individually do all XXXX separately. I never received call backs. Only empty replies with no communication and no refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
As of XX/XX/XXXX GM financial updated my account to assess fee 's to my account that I discovered in the amount of almost {$910.00}. Without any detailed explanation provided in writing itemizing these additional charges. Payments to this account have not been applied timely, or correctly. In addition to the regular car payment of {$560.00} dollars, GM financial has violated me by demanding over {$910.00}. I do not have any knowledge as to where these fee 's have originated, nor was I provided with the reason for these demonstrative fee 's, nor have they been forthcoming with the detailed financial breakdown for their unscrupulous and predatory business practices. GM financial offer 's the highest interest rate on their loan at over 17.99 % to XXXX XXXX  during the worst economic downturn in XXXX XXXX. And on top of this has placed us in an unfair position by placing late warnings that this {$910.00} is 52 days past due, but this just posted to my account on XX/XX/XXXX! in addition to this additional burdensome fee 's on our credit report. Their actions have demonstrated their neglect and intent to cause unjust harm to our financial credit report/financial well being and to us and XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 

In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer XXXX XXXX XXXX XXXX XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer XXXX XXXX XXXX XXXX XXXX  file disputing the accuracy or completeness of the disputed information. XXXXXXXX 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 2025-02-10 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: OR

Complaint narrative:
Mortgage company ( XXXX XXXX XXXXXXXX ) sold our Mortgage to XXXX XXXX XXXX. And now it appears we have 2 identical Mortgages since XXXX of XXXX. Also, We closed on our house in XX/XX/year>, and no payments were reported on our loan until XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed accounts that was report accurately that I was in fact I paid on time the consumer reporting agency need to report all information with compliance accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates my report inside is the date in month 15 USC Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2025-02-10 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
my personal and financial information was compromised without my authorization. 
the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and dischare my student loan debt in full. It has come to my attention that my personal educational and financial information has been improperly accessed by unauthorized third parties, including XXXX XXXX or affiliated entities. This unauthorized access constitutes a gross violation of my federal privacy rights and nullifies any enforceable loan agreements under federal law. Legal Grounds for Discharge : 1. FERPA Violation : The exposure of my educational records without my express written consent is a direct breach of FERPA, which mandates the protection of personally identifiable information. 
2. Violation of the Privacy Act of 1974 : The mishandling and unauthorized disclosure of my personal information contravenes federal requirements that safeguard the privacy of individuals ' data managed by federal agencies and contractors.

3. Breach of the Higher Education Act : The Higher Education Act requires servicers to maintain strict confidentiality and compliance in loan transfers. The transfer of my loan to Advantage and subsequent data breaches demonstrate clear negligence. I have reached out to all credit bureaus regarding this matter as well as student aid and no one is willing to assist. 

Demand for Resolution : Due to these violations, I formally demand : written confirmation of this cancellation.

Company response to consumer: Closed with explanation