vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
So what happened was that my phone got hacked and the hacker was able to log in to my cashapp and send themselves XXXX dollars to an account named XXXX XXXX And I tried requesting the money back, obviously that didnt work.i also tried to contact cash app and telling them that I didnt authorize this transaction and they said that a security lock code was used well ofcourse it was used because my phone was hacked and they were able to send that money and Im pretty sure they would have guessed it, and cash app refused to give me my money back and for me that is a large bill to be sending it to someone that I dont even know.i did everything I could to tell them that I didnt authorize it, they were able to transfer money through my bank account to send it directly to them and XXXX XXXX XXXX XXXX XXXX and its hard for me to pay my bills and then someone uses my account to be able to send money to themselves is ridiculous.so please I need a refund from cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: CO

Complaint narrative:
I am writing to seek help and assistance with a pressing matter regarding my account with XXXX. Unfortunately, the product they provided did not meet my satisfaction, and I was in the process of obtaining a refund under their Lifetime Guarantee. 
Regrettably, XXXX filed for bankruptcy, which prevented me from receiving my refund. As a result, I have been sent to collections for non-payment, despite my efforts to resolve the issue. I am now facing a collection mark on my credit report, which is causing me significant distress. 
The collection agency responsible for this matter is TekCollect, with the following contact information : Address : XXXX XXXX XXXX, XXXX, OH XXXX Website : ( www.tekcollect.com ) Phone : XXXX My account number with TekCollect is XXXX. I kindly request your assistance in resolving this matter and removing the collection mark from my credit report. I believe I have been unfairly targeted for collection, given the circumstances surrounding XXXXXXXX XXXX  bankruptcy and my initial efforts to obtain a refund. 
I would greatly appreciate any guidance or support you can provide in resolving this issue. Please let me know if there are any additional steps I need to take or documentation I need to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite using multiple phone numbers, I can not speak with a live person at Experian. I am trying to purchase a home and the mortgage company needs access to my credit reports. I " unfroze '' my Experian account online and on my phone app and received a verification of this action. However, when the mortgage company goes to pull my report, Experian states my account is Frozen. I have tried to contact them to get them to address this problem, however, their automated phone service will not connect me to a live person. It gives me a response that it can only connect me in specific circumstances, yet when I tell the bot my account is not functioning, I am told to disconnect.

I have called at least four different phone numbers numerous times over 4 hours without success.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-03-13 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 ( MO ) 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 2025-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Creditor : CB/VICSCRT XXXX Re : inquiries Dated 1st Validation letter, & 2nd Validation letter Greetings, I have previously made two separate requests for validation see attached and your response or lack of response does not comply with the disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply. However, you have chosen not to meet the legal requirements of the law. It is manifest that you have absolutely no claimants me, and that you vehano records or evidence to support any claims against me once again, is clear that you have not provide me with any evidence to establish that I owe you any money. 
Therefore, your failure to respond in a timely manner is counted as an admission that you are unable to support your claim of debt against me. Please be aware that should you instigate a lawsuit against me without proof that I owe you anything at all, I now have evidence that you are creating a frivolous lawsuit. 
Instigating a frivolous lawsuit may subject you to sanctions by the court, including costs, fees, and penalties. I exhort you to carefully consider your course of action from this point forward. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate.

Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX *Account Number : 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 2025-03-13 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: Nelnet, Inc.
State: AZ

Complaint narrative:
Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " XXXX  and FERPA : Did Doge Breach Student Loan Contracts? '' ( XX/XX/year>XXXX  ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with XXXX student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
I filed XXXX disputes with Cash App regarding doordash with drawing {$9.00} from my account. XX/XX/XXXX and XX/XX/XXXX. They closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-13 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-13 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: OH

Complaint narrative:
My loan was paused and I wasn't notified of it starting again and my credit score plummeted.

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 2025-03-13 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
EQUIFAX HAS NOT REMOVE A LATE PAYMENT AND HAS FAILED TO CORRECT MY CREDIT SCORE IN A TIMELY MANNER. MY CREDIT SCORE IS STILL SHOWING XXXX AND WAS DROPPED XXXX POINTS IN XX/XX/year> FOR A MISPELLED NAME OF MY BANK. THIS DOSE N'T MAKE ANY SINCE TO ME SINCE " XXXX  XXXX XXXX XXXX '' SHOULDN'T EVEN BE REPORTING ON MY FILE. IT DOSE N'T TAKE MONTHS TO CORRECT MY INFORMATION WHEN IT TAKES A SIMPLE PRESS OF A KEY ON A COMPUTER TO DROP OR RAISE A CONSUMERS SCORE. I HAVE NO CONTRACT WITH XXXX XXXX WHO REPORTED A LATE PAYMENT TO EQUIFAX WITHOUT MY PERMISSION AND WITHOUT ANY LEGAL STANDING BY WAY OF NO CONTRACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: VA

Complaint narrative:
My cash app in XXXX  money being stolen multiple times in never received my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NY

Complaint narrative:
On XX/XX/year> I received a text message from a number " XXXX '' with the following message : " Pay your XXXX XXXX XXXX XXXX account your way. Make your choice at https : //portal.sheperdoutsourcing.com/XXXX  or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out '' Ignored the text with the presumption this was a spam text message. On XX/XX/year> I received another text message from the same number : " Make your payment before your XXXX XXXX XXXX XXXX account is returned to our client. Check out your options at XXXX XXXX XXXXXXXX or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out '' I replied XXXX. 

I have never heard of XXXX XXXX XXXX XXXX and I have had my phone number for 15 years. After researching Shepherd Outsourcing it appears as though they are a legitimate debt collector. One would think an organization like that would have better or at the very least accurate contact information on targets of their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
During the political transition from Biden to Trump, XXXX XXXX and his DOGE team had access to federal student loan information. I have only consented for one person that is not employed by the Department of Education to access my personal information. Department of Government Efficiency are not on my list of people who are allowed or signed by me to access my personal information. This violates the terms of my student loans as the Department of Education is supposed to restrict my information from unauthorized access just like a credit card company. 

As soon as DOGE accessed my student loans, a violation of DOE policy, the terms and limits of my student loans were violated by DOGE employees. Further, for the DOE to fail to provide me information about who accessed my account is another violation to my terms and limits of my student loan agreement. Finally, DOGE is not a qualified agency under the terms and limits of my student loans which would have access to my federal account and seeing that I am still a student, this is troubling as it violates my rights as a borrower and the rights of the institutions that I am attending. These gracious violations of my rights as a consumer, borrower, and person are unacceptable and have put my financial and educational file at risk of theft, misuse, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-13 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 non-monetary relief