vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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  Bank Credit Cards XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-01 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-01 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: PA

Complaint narrative:
When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I have no idea how they got there. I always monitor my report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be an error, but the inaccuracies remained. To address this, I ask that my submitted documents be thoroughly reviewed so that I no longer have to worry about 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 2025-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet is refusing to place me on the SAVE plan which I was approved for in 2022 and giving false and misleading statements to attempt to deny me access to the Income Driven Repayment plan which i signed up for and was approved for previously. They have switched my payment plan and adjusted the payment plan to a 'standard plan '.

Prior to this I was on an IDR plan already and not the standard plan, there is no universe where I was ever on the standard plan as Nelnet states. They have either been given some incorrect information by the prior loan servicer or failed to do their duty in staying up to date with the current state of the SAVE plan court cases. Nelnet seems to be unaware that the 'one time debt relief ' program and the SAVE plan were contained within the same application in 2022. 

Please instruct Nelnet to place me on the temporary forbearance associated with my approved SAVE plan application whilst they recalculate my account based on this missed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OK

Complaint narrative:
CFPB Complaint Draft** **Date : ** XX/XX/XXXX **Company : ** Cash App ( Block, Inc. ) **Issue : ** Account Closure/Ban Unresolved After Two Years **Complaint : ** Ive been trying to resolve an unjustified Cash App account ban for over two years with no resolution. I used the app solely for legitimate purposes : receiving direct deposit paychecks and sending $ 300 monthly to my father for rent. Around sometime in the summer of XXXX, Cash App flagged my account for suspicious activity despite no unusual behavior. For a month, I couldnt make payments, and support only said they were investigating. A month later, my account was permanently banned without explanation. 

Since then, Ive contacted Cash App support multiple times ( via app and XXXX ), receiving new case numbers each time but no progress. Theyve repeatedly stated the team is investigating and will get back to me, but after two years, Ive gotten no resolution, justification, or access to my account. This ban disrupted my ability to pay rent and manage finances, and their refusal to address it has caused significant frustration. 

Given the XX/XX/XXXX CFPB settlement against Block , Inc. for failing to investigate disputes properly, I believe this reflects their ongoing poor customer service and negligence. My use was straightforwarddirect deposits and rent paymentsyet theyve stonewalled me for over 24 months. I request the CFPBs assistance to compel Cash App to explain the ban, resolve my case, and reinstate my account, as their delays violate reasonable dispute resolution standards. 

**Desired Resolution : ** - Clear explanation of why my account was flagged and banned.

- Immediate reinstatement of my account.

- Compensation for the inconvenience of a two-year unresolved dispute, if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Equifax inaccurately reported account information XXXX XXXX XXXX XXXX  ) is reporting negative date XXXX reports XXXX not paid but on Transunion its positive please have Equiax report the correct as paid positive. 
XXXX XXXX XXXX XXXX  ) is reporting negative XXXX XXXX on Transunion its positive please have Equifax update accurate information. 
XXXX. ( XXXX XXXX ) On Equifax is reporting twice please erase XXXX. 
Transunion union is false reporting ( XXXX XXXX ) XXXX negative but its positive on Equifax please update

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 2025-03-01 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: NC

Complaint narrative:
Victim of identity theft. Several accounts and inquiries are reporting to my transunion credit report that I did not open or authorize. Identity theft report is attached to this cfpb complaint with copy of my drivers license and ssn to verify identity.

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 2025-03-01 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: Westcreek Financial
State: CA

Complaint narrative:
westcreek financial is on my credit report. I have never had any communication, and i have never had any interaction with this company. 

I have tried contacting this company, and it was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: OK

Complaint narrative:
I contacted iq data collection agency about paying, they would not work with me on payments, they said they would not take payments and wouldn't take check or money order for payment. Hindering payment. Iq data also threatened to move forward with next steps in debt collection, and not removing the negative collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
My credit report shows incorrect addresses ; Im concerned. The credit agencies are reporting addresses and employers NOT connected to me. 

I have one address and need to have the past addresses removed. ( It could be fraud )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: GA

Complaint narrative:
My credit report shows incorrect addresses ; Im concerned. The credit agencies are reporting addresses and employers NOT connected to me. 

I have one address and need to have the past addresses removed. ( It could be fraud )

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 2025-03-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Subject : Request for Verification Under Section XXXX of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally request, under Section XXXX of the Fair Credit Reporting Act ( XXXX ), that you provide me with copies of all the information and documents in your possession that pertain to my credit report. Specifically, I am requesting verification of the following negative items that have appeared on my credit report : XXXX. XXXX XXXX Management - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$200.00} - Status : Collection Under XXXX U.S.C. XXXX, I am entitled to request all information pertaining to these accounts, including but not limited to : - The original signed agreements for these accounts ( e.g., credit card, loan agreements, etc. ). 

- Documentation showing the amount of debt and the terms and conditions of the contract. 

- Proof of any payments made, including dates and amounts. 

- The full chain of custody or transfer documents if the account has been sold or assigned to a collection agency. 

I request that you send me these documents within the XXXX period provided by the FCRA. If you can not provide verifiable documentation, I respectfully request that you remove these items from my credit report. 

Please note, per XXXX U.S.C. XXXX, if you can not verify the information within XXXX  days, these accounts must be corrected or deleted from my credit file. 

Should you be unable to validate the information as requested, I expect you to immediately remove these entries from my credit report and confirm the deletion in writing. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Request for Verification Under Section XXXX of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally request, under Section XXXX of the Fair Credit Reporting Act ( XXXX ), that you provide me with copies of all the information and documents in your possession that pertain to my credit report. Specifically, I am requesting verification of the following negative items that have appeared on my credit report : XXXX. XXXX XXXX Management - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$200.00} - Status : Collection Under XXXX U.S.C. XXXX, I am entitled to request all information pertaining to these accounts, including but not limited to : - The original signed agreements for these accounts ( e.g., credit card, loan agreements, etc. ). 

- Documentation showing the amount of debt and the terms and conditions of the contract. 

- Proof of any payments made, including dates and amounts. 

- The full chain of custody or transfer documents if the account has been sold or assigned to a collection agency. 

I request that you send me these documents within the XXXX period provided by the FCRA. If you can not provide verifiable documentation, I respectfully request that you remove these items from my credit report. 

Please note, per XXXX U.S.C. XXXX, if you can not verify the information within XXXX  days, these accounts must be corrected or deleted from my credit file. 

Should you be unable to validate the information as requested, I expect you to immediately remove these entries from my credit report and confirm the deletion in writing. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2025-03-01 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: WI

Complaint narrative:
I am writing as a victim of the Equifax data breach, and I am utterly appalled by the gross negligence that has resulted in unauthorized, fraudulent activity on my credit report. I DEMAND the IMMEDIATE BLOCKING and PERMANENT DELETION of all fraudulent accounts and unauthorized inquiries linked to this breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally obligated to expunge this fraudulent information upon notification and receipt of supporting documentation. 
The fraudulent items that must be removed include : Fraudulent Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 To support my claim, I have enclosed the following documentation : A copy of my government-issued ID Proof of address FTC Identity Theft Report The breach of my personal information is unacceptable, and Equifaxs failure to protect my data has caused me significant harm. I expect nothing less than swift and decisive action on your part. I DEMAND written confirmation that the fraudulent accounts and inquiries have been permanently removed from my credit report. Moreover, should any of these disputed items be reinserted into my credit file, I expect a full, detailed explanation, including all evidence used to verify their accuracy.

If Equifax fails to comply with this demand within the legally mandated timeframe, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I am fully prepared to pursue all available legal remedies to enforce my rights under the law. 
I insist that you confirm receipt of this letter and provide a resolution immediately. For any further correspondence, I can be reached at the information above. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC, ID, Proof of Address, SSC

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