vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate eviction records on my credit report. There are four apartment complexes reporting evictions under my name that do not belong to me. These incorrect records are negatively affecting my creditworthiness and need to be removed immediately.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), credit reporting agencies and information furnishers are required to ensure that the information they report is accurate and verifiable. Specifically : FCRA 611 ( 15 U.S.C. 1681i ) grants me the right to dispute inaccurate information, and the credit bureaus must investigate and correct any errors.

FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of information, including landlords and property managers, to report only accurate data.

If these eviction records can not be verified as belonging to me, they must be removed under the FCRA.

I have contacted the credit bureaus regarding this issue and am requesting the CFPBs assistance in ensuring these wrongful evictions are investigated and deleted from my credit file. I request that each credit bureau ( Experian, XXXX, and XXXX ) provide me with a written confirmation once these inaccuracies are corrected.

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 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
On XXXX XXXX I wrote a letter to XXXX disputing the last payment date of a tradeline that reports a last payment date of XX/XX/XXXX but the account had been charged off since XX/XX/XXXX. I notified them that I did not make a payment on said date and the account should be removed for re-aging of the trade line. XXXX responded with a verified as accurate letter disregarding the information I presented and failed to do a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc.
State: VA

Complaint narrative:
I was defrauded by a company through an application advertised on social media, which collected my personal information. Despite my efforts to protect my data by withholding explicit details during the process, my confidential information was breached and shared with multiple unauthorized companies. 

On XX/XX/XXXX, at XXXX XXXX, I received a disturbing email containing compromised details resembling those from the loan application. This occurred without my consent or knowledge, suggesting a data breach, as the money exchanger transferred funds without my authorization. 

I have no contractual relationship with TransformCredit.com, nor have I ever waived rights to my copyrighted/trademarked name. Yet, on XX/XX/XXXX, at XXXX XXXX, I received an email from " XXXX '' a company unregistered in Virginia and unknown to mecontaining a frivolous document claiming to fix my information, which I never provided. This appears to violate XXXX U.S.C. XXXX ( mail fraud ), and I intend to report it as such. The fraud seems to originate with " XXXX. '' After filing a complaint with XXXX XXXX XXXX, the extent of the compromise remains unclear, prompting me to request investigations by the XXXX, XXXX, and CFPB to halt this immediately. 

TransformCredit.coms negligence is evident, as I never signed nor intend to sign any agreement with them. Their possession of my data is alarming. On XX/XX/XXXX at XXXX XXXX, they sent another email requesting more information, despite my copyrighted/trademarked data and repeated demands to cease communication. I formally notified them to limit all contact to writing, yet their harassment persists, including an insulting request for a co-signerdiscriminatory and questioning my competence. This warrants further legal action. 

Breach of Contract The facts above demonstrate a breach of contract by these companies. Their unconscionable actions and emails raise questions about how they obtained my information and their legal basis for using my name without compensation, which only I can authorize. 

Fraudulent Inducement and Larceny by Trick The circumstances outline fraudulent inducement, fraud, or larceny by trick. Neither company can produce original documentation proving I submitted the application. Legal action is justified against these trespassers, as determined by applicable regulatory bodies. 

I request a jury trial and attorneys fees due to the intentional wrongful acts of these companies, where such awards are appropriate. 

Constructive or Resulting Trust The companies actions suggest they hold payment in a constructive or resulting trust for my benefit. Their refusal to render payment breaches this trust and their fiduciary duties, meeting the threshold for immediate action against their wrongful conduct. I seek attorneys fees and reimbursement for lost productivity time due to these breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/year> I initiated a withdrawal in the account of {$850.00} from Cash app to a XXXX account. XX/XX/year> the funds were said to have been delivered to my account but they were not. I checked the account information on Cash app and the last XXXX digits of the account didnt match my account. I called customer service and was told my account couldnt be located and Id need to use chat support. Chat support initially told me the transaction was still pending. I stated that their system said it was complete and my funds werent credited. They then told me that I needed to wait XXXX business days. I told them I did. I continued to ask for the exact routing and account details which they never confirmed. They asked if I didnt recognize the account ending in XXXX and I told them I did not. They informed me the bank information was changed XX/XX/year>, however, I did not make that change and didnt receive any notification a change was made to my account. They initiated a dispute and told me to contact my bank and be sure to provide my bank with the tracking number of the deposit so they could investigate. I asked them for the tracking number, it was never given. Next I was told they made no errors and the issues was resolved. They refuse to provide any further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was told I owed {$440.00} from a parent plus loan my daughter 's who graduated from XXXX XXXX in XXXX. I took out a consolidation loan with XXXX in XX/XX/XXXX. In XXXX ( 8 years later ) I was told I owed {$440.00} to Nelnet. I initially I thought they were scammers, I had no idea what they were talking about and asked for statements and how they got this number. 
I spoke to an account manager named XXXX on XX/XX/XXXX, she said she would research and call me back on XX/XX/XXXX, which she never called or emailed me back. 
They now have reported it and it ruined my very good credit score. 
I just call again and spoke to XXXX different people for over an hour to some explanation, that for some reason XXXX of the loans for XXXX was short paid by {$350.00}. I was told the bank consolidation loan was applied as payments which is why it took over 8 years to say I owed anything. 
I said I would pay the {$350.00} that was somehow left open with no expiration how. But don't think I owed interest from 8 years ago and now when I was not receiving any help on figuring out why or call backs not being returned and then make claims on my credit report when XXXX never called me back. 
I paid the {$350.00} by check today XX/XX/XXXX and asking how they fix my credit and reverse the interest. She said I have to contact Department of Education and XXXX. 
I have spent hours and talked to multiple people for a student loan form XXXX! I feel this is unfair and how do you not send a letter in the mail or call people back when you are a manager for something like this is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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: AL

Complaint narrative:
I did not authorize these financial institutions to run my credit to see if I were approved for a car loan. I know to go through a credit union instead of allowing them to constantly run your credit through multiple banks. I would like these inquiries to be removed from my report, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I made a {$400.00} cash deposit on Monday XX/XX/year>. Santander ATM machine went blank and said there was a error. My money can not be found and I called and given a claim number of XXXX. It has been a week and no money has been credited. 

The games and treatment over this mistake on the bank side is not okay. 

I just want my money back in my account.

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 2025-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments

were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-02-24 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: OH

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit 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 explanation
Consumer complaint received 2025-02-24 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:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Federal Student Aid balances reported by XXXX is incorrect. Loan were forgiven under the Federal Government Forgiveness that was setup by XXXX XXXX XXXX XXXX. The balance should be XXXX with corrected repayment dates. This is a violation of Federal Truth In Credit Reporting Act and FTC law. I went through the process with a case worker and was approve because I was on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : Current Address and Name : My full name is : XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 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:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  {$16000.00} Date Opened XX/XX/XXXX XXXX XXXX  {$1500.00} Date Opened XX/XX/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 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXXXXXX XXXX XXXX Jefferson Capital System XXXX XXXX XXXX. 
XXXX, Mn XXXX Subject : Request for Removal of Collection Account Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) Dear Jefferson Capital System, I am writing in reference to the collection account you are reporting under my name. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692, I request that you cease all collection activities and remove any reference to this account from my credit report.

Under Section 1692g of the FDCPA, you are required to provide me with a validation of the debt you are attempting to collect. As of this writing, I have not received sufficient validation of this debt, and therefore, I believe that your continued reporting of this debt on my credit file is a violation of my rights under the FDCPA.

I request the following : Immediate removal of the collection account from my credit report with all credit reporting agencies.

Confirmation that no further attempts to collect this debt will be made unless it is properly validated according to the FDCPA guidelines.

Please consider this letter a formal request for the removal of the collection account. If this debt can not be validated within the 30-day timeframe required by law, the account must be deleted from my credit file. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and to consider other legal remedies available under the law. 

I expect your prompt attention to this matter and look forward to your confirmation that the collection account has been removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
Today ( XX/XX/XXXX at XXXX ) I received a text message from Brown 's Collection Services in XXXX XXXX XXXX XXXX XXXX XXXX regarding some medical debt. They said that if we paid off the debt ( from 2019 ) that they would " take the debt off of our credit report ''. However, I asked them about Rule V from the CFPB stating that the credit shouldn't be on our credit report due to being " medical debt '', they said that XXXX  is a community property state that it could be on there. 
I just wanted verification from the CFPB before I engage further. I do have the entire text chain screenshotted if need be.

Company response to consumer: Closed with explanation