vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-06 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Hello, I have contacted all three nonaffiliated third parties on ( XX/XX/XXXX - XX/XX/XXXX ) ( XXXX, XXXX, XXXX. ) I requested them not to report my Credit Usage ( Transaction History ) on my credit report due to the Privacy Act of XXXX and no action was taken. I also contacted the Credit Card company ( Capital One ) on ( XX/XX/XXXX ) and I requested to opt out of Capital One reporting my Transaction History ( Credit Usage ) on both my credit cards ( QUICK SILVER AND PLATINUM ) to any nonaffiliated third parties. Due to 15 United State Code 6802 ( b ), Opt out ) ( 1 ), In General ) and 16 Code of Federal Regulations 313.1 ( Purpose and Scope ) ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure. As I requested in the proper manor None of these were fulfilled. My Credit Usage ( Transaction History ) is still being reported on my credit report after I requested to Opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 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: CA

Complaint narrative:
I am writing to dispute the following negative items listed on my credit report : XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX - XXXX - {$810.00} These items remain unverified and raise serious concerns about their legitimacy. I have made numerous attempts to resolve these inaccuracies by submitting disputes and providing supporting documents, but I have yet to see any action taken to correct them. This inaction has had a detrimental impact on my financial stability and has taken a severe toll on my personal health. The ongoing stress caused by these unresolved issues has made it difficult for me to focus on daily life. As outlined in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of unverified and inaccurate information. I ask that you investigate these matters thoroughly and resolve them immediately to ensure compliance with federal regulations.

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 2025-02-06 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: CA

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. 16811, 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 CFPB 's recent administrative proceeding ( File No. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting accounts on my credit that are more that 6 years old based on state law. The accounts that they are reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: BTH Management
State: FL

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX for Improper Collection Account Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX regarding the reporting of a collection account that I believe is being improperly reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Disputed Collection Account : Credit Bureau Involved : [ XXXX, XXXX, & XXXX ] Collection Agency Name : XXXX XXXX Amount Reported : [ {$560.00}, {$560.00}, {$1000.00}, {$1700.00} ] I never had an original agreement with this third-party collection agency, and I have not been provided any legal proof that they have the right to collect or report this debt under the law. 15 U.S. Code 1681s-2 requires that information reported to credit bureaus be verified, accurate, and fairyet this account remains on my report without proper validation. 

I have attempted to dispute this with the credit bureau, but they have failed to provide me with adequate proof that this collection agency has the legal right to collect or report this debt. Since the credit bureau and collection agency have not met the legal standard of verification, I request that the CFPB intervene and require the immediate removal of this account from my credit report. 


I am formally requesting that this collection account be deleted from my credit report due to improper reporting. Additionally, I ask that the CFPB investigate this matter and hold XXXX XXXX accountable for violating my consumer rights. 


Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a Cabellas card through Capital One - I also opened a small business card account with my fiance. We started a small business with our own funding. I made a payment of {$650.00} to the {$500.00} limit business card with capital one XX/XX/XXXX and the account was closed or suspended immediately after. I was told I did not use the card as intended? Then it was because I had violated terms and conditions. ( This card is {$500.00}. I couldnt possibly understand how the amount owed had changed to an additional {$390.00}. ) then a few weeks go by, I made a payment as scheduled on my Cabellas card with capital one and immediately after my account was also suspended. When I called I was given the same generic non answer as before. Now I owe XXXX XXXX in credit card debt. I have been with Capital One for 15 years. Not a single issue till now. This is not ethical or fair. I was given ZERO notice when making this payment that the next transaction wouldnt go through. I am at a loss of words.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AR

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing. Complaint against Cash app ( Block, Ink. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Re : Cease and Desist from Debt Collection Activities This letter serves as a formal notice that you immediately cease and desist from all debt collection activities concerning the alleged debt associated with [ your account number or reference number, if applicable ]. It has come to my attention that you are attempting to collect a debt that I either do not owe, that is disputed, or that falls under harassment and illegal collection practices. Your actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. These actions have caused undue stress, harassment, and potential harm to my financial well-being. I demand that you immediately : Cease and desist from all communication with me, except for written correspondence confirming receipt of this letter and outlining the actions you will take in response to this demand. Should you fail to comply with the demands in this letter, I will have no choice but to pursue all legal remedies available to me, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, and seeking damages through legal action. I trust that you understand the seriousness of this matter and will act accordingly to rectify the situation. Please contact me immediately to confirm your compliance with the demands outlined in this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: IL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent hard inquiries on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). These inquiries were not authorized by me and are the result of identity theft. I am demanding their immediate removal from my credit file. 

Fraudulent Inquiries to Be Removed : 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> I have enclosed the following documentation as evidence to support my dispute : FTC Identity Theft Report Official Police Report from the XXXX Police Department Proof of my identity I trust that TransUnion will act in accordance with federal law to rectify this issue without the need for further legal escalation.

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 2025-02-06 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: MD

Complaint narrative:
I respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: NY

Complaint narrative:
I received a phone call last evening from a woman named " XXXX '' claiming to be from a company called XXXX ( XXXX ) XXXX. When she was asked to send me verification, she transferred me to a man named " XXXX '' claiming to be from XXXX ( XXXX ) XXXX. XXXX advised me that he did not have to provide me with any sort of written validation and that I was using this as a stall tactic, and I was wasting his time. He then told me I had 24 hours to pay this debt and threatened to take my XXXX tax return. I recorded the conversation with both representatives. The manner in which I was spoken to was despicable. I was bullied and belittled. They have contacted my family as well as my boyfriend and his family. The phone calls have continued despite being told to cease contact. According to XXXX XXXX I have a debt through " XXXX XXXX. '' When I try calling the number listed to discuss my concerns with, it takes me to a company called " multi source. '' I can not get to a person when calling this number, it just asks me to enter my social security number which I will not do. I have yet to receive any written communication via mail from ANY company claiming to own this debt.

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 2025-02-06 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: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-06 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: MD

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: VA

Complaint narrative:
Equifax does sham investigations and depend on the furnisher instead of doing their jobs. XXXX and XXXX XXXX XXXX account is incomplete and inaccurate on my credit report. As we know thats a violation of FCRA. Everything suppose to be reported complete and accurate. 

Account involved in litigation!! " I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' Furthermore, I asked for validation of the loans. Not a response telling me, equifax reached out to the furnisher and the account is verified as accurate. Wheres my proof??????? Im not referring to, mail stating the same things results are verified as accurate. I want documentation PROOF OF BOTH LOANS AND THE XXXX YOU SPOKEN WITH POSITION AND FULL NAME. Thats what validation is, proof and if you cant provide it with my signature attached than delete the account. Ive mailed and send dispute letters 3 times already and havent gotten validation of any of the loans. Its been over 80 days and youre required to give me what I ask for within 30 days. So that alone is grounds of removal, so now I am seeking legal action. I tried to let Equifax correct the problem first but Equifax is the problem. With a lawsuit pending from cfpb, from doing the same things I listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/year> I recieved a letter from Mohela stating my loan had been forgiven. I even received back payments from overpayments. I gave it time for my loans to show as a XXXX balance on my credit reports and submitted a dispute with each one. Each dispute came back that the Creditor Mohela did indeed show that my balance is XXXX and paid. Now I log into my check my credit report as I am looking to purchase a home in the near future and ONCE AGAIN Mohela is reporting this student loan with a balance. This is unacceptable. I have submitted disputes once again to the credit reporting agencies but 2 years later this is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation