vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Criminal Complaint # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-12 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: GA

Complaint narrative:
Im writing to urgently address a fraudulent inquiry on my credit report. This inquiry was made online without my knowledge or consent, and its incredibly frustrating to see it affecting my credit. I take my financial security seriously, and Im deeply concerned about this unauthorized activity.

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 2025-03-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Aidvantage keeps reversing my monthly student loan payments, causing them to be late due to " no account/unable to locate account ''. This has been occurring since XXXX XXXX. I've contacted Aidvantage, and they've told me to double-check the account/routing numbers. However, I've used various bank accounts and confirmed that all bank routing and account numbers have been correct MULTIPLE times, and when I contacted XXXX XXXX XXXX, they confirmed that no money was ever withdrawn from any of the accounts I've attempted to use, all of which had sufficient funds to cover the payments. I have made a payment today using my credit card for my overdue XXXX payment, and though I've been sent a confirmation email, I'm expecting the payment to be reversed again. I don't understand why this is happening, and I'm outraged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Notice to Agent is notice to principal ; notice to principal is notice to agent. 
I have received a copy of my consumer reports and I notice you have furnished transactions as Late on my consumer report. A creditor can only treat a payment as Late when they meet all the requirements of

15 USC 1666b. 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. 
The account/s you { TransUnion, XXXX, XXXX } list with Late Payment : Creditor Name | Account Number | Late Payment Date | is inaccurate and incomplete. Delete the following Late Payments from my account. 
TransUnion 1. XXXX XXXX XXXX XXXX XXXX | Reported late 2. XXXX XXXX | XXXX | Reported late 3. XXXX XXXX | XXXX | Reported late 4. XXXX | XXXX | Reported late XXXX 1. XXXX XXXX | XXXX | Reported late 2. XXXX Bank XXXXXXXX | XXXX | Reported late 3. XXXX XXXX  XXXX XXXX | Reported late 4. XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX | Reported late XXXX 1 XXXX XXXX XXXX Bank XXXXXXXX XXXX | XXXX | Reported late 2. XXXX XXXXXXXX Bank  XXXX XXXX | XXXX | Reported late 3. XXXX Bank | XXXX | Reported late 4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reported late 5. XXXX XXXXXXXX Bank XXXX XXXX XXXX Reported late 6. XXXX  XXXX Bank | XXXX XXXX Reported late Yours truly, XXXX XXXX Attached : Copy of ID and Utility Bill

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently obtained a copy of my Experian, Equifax, and Transunion Creit report and found multiple inaccuracies on the Auto Loans or Leases with XXXX XXXX XXXX XXXX. Starting with 1. Payment history- Its stated that my original balance {$21000.00}. Starting with XX/XX/XXXX as first balance showing on report as {$20000.00}, then paid {$410.00} in XX/XX/XXXX leaving a balance {$19000.00} missed XX/XX/XXXX and XX/XX/XXXX payment balance is still {$19000.00}. XX/XX/XXXX paid {$410.00} but balance now shows amount of {$22000.00}. Explain how my balance increases {$2800.00} when it should be decreasing to {$19000.00}. 
2. Paid on date : Dates do not match my bank records XXXX. Payment amounts : Amounts do not match my bank statement. Example it shows I made a payment of {$1000.00} on XXXX. XXXX, XXXX when the correct amount was {$1000.00} on XXXX, XXXX 4. Last payment date : is incorrect, last payment I made was XX/XX/XXXX not XX/XX/XXXX. 
5. Multiple monthly payment amounts on a fixed loan : XXXX XXXX XXXX Payment amount {$410.00}, XXXX XXXX XX/XX/XXXX payment amounts {$670.00}. 6. Account being reported as CO for the past 7 months further extending my statute of limitations 8. Was not notified of Reposesion 9. Wasnt notified to get personal items 10. Wasnt notified of auctioning off of car 11.wasnt notified of debt owed

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary 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, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Property Receivables, Corp
State: CO

Complaint narrative:
I was offered a settlement on a rental debt by Property Receivables Cor. 
I accepted the offer and the debt was paid on XX/XX/year>. XXXX was handling my collection. 
I informed XXXX that I am living in my vehicle and that I can not rent a place. XXXX informed me that it would take up to 90 days for the debt to be removed from my credit report and said I would receive a certificate of satisfaction via email. 
I called their office on XX/XX/year> as I had not received the letter/certificate. I spoke with XXXX, as she stated XXXX was not available at that time. I informed XXXX of this issue and while we were on the phone, she said she was sending the request right then and that I would receive the letter within a couple of days. I also let her know that my credit report was now showing that I owe the difference of the total debt vs what I paid to settle. She said this was normal and that its a process. 
I emailed their office requesting the letter on XX/XX/year>, as I still have not received the letter. 
I have yet to hear back from their office. 
I would like this removed from my credit report and would like the certificate of satisfaction asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$570.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) 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 2025-03-12 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo deactivated my account which I have not been doing anything against the user agreement in. I have XXXX XXXX balance inside it and got an email today that is was deactivated. I only send money to my girlfriend and to my friends sometimes. It makes no sense as to why my account was deactivated and I need it back since XXXX XXXX did the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 Criminal Complaint # ( private case number ) 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 2025-03-12 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
I want reported accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief