vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am writing to dispute the accuracy of several accounts on my credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681c-2 ) due to the widespread cybersecurity breaches affecting the U.S. government and other organizations. As a verified victim of XXXXXXXX XXXX a private citizen and various unconfirmed members of the XXXX XXXX XXXX XXXXXXXX breach of the Department of Education, According to public reporting XXXX XXXX XXXX XXXXXXXX ), a handful of XXXX engineers linked to XXXX  companies, with unclear titles, could be bypassing regular security protocols during XXXX infiltration of federal agencies. I am disputing the following accounts as inaccurate, unverifiable, or potentially fraudulent : DEPT OF EDXXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX XXXX' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/AXXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i ''

Company response to consumer: Untimely response
Consumer complaint received 2025-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company keeps reporting an accurate information. The statute of limitation has expired on my late payments and they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-03-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of XXXX on XX/XX/year> my claim was denied ending XXXX. Associated with card ending in XXXX. 
I was told by XXXX claims prepaid manager told me there's nothing she can do. Completely ignored my questions absolutely rude and useless This claim was filed by customer support agent from bank of America she made a mistake by filing a second claim ending XXXX. Associated with same card ending XXXX. 
The bank did XXXX investigation and confirmed card XXXX wasn't never received I never got. They credited my funds backs but failed to correct the claim XXXX These claims were filed the same day by same customer service agent. So it made no sense why she split the claim causing this problem. 

This bank is not handling this at all. 
They allowed fraudulent charges T h e y. a r e r e f u s i n g t o. O p e n m y c l a i m u n l e s s. I p r o. V I d e n e w r e q u e s t in writing everyday I'm doing this

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 monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash app completely closed my account for no reason and with no explanation. I use my cash app on a daily basis. This really impacts my everyday life and no one can tell be why or help me get my account back open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report a fraudulent collection account on my credit file ( XXXX XXXXXXXX ), despite my repeated disputes. XXXX and XXXX have already deleted this account, yet Equifax refuses to do so. I never authorized or agreed to this debt, and the debt collector has failed to provide any legitimate validation of the account. By continuing to report this collection, Equifax and the debt collector are violating my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Under 15 U.S.C. 1692g ( b ) of the FDCPA, once a debt is disputed, the collector must cease collection efforts until they provide proper validation of the debt. Despite my disputes, this collector has failed to provide any legally required proof that this debt belongs to me. Additionally, under 15 U.S.C. 1692e ( 8 ), it is illegal for a debt collector to report information to a credit bureau that is known to be false or disputed without proper disclosure. By allowing this account to remain, Equifax is aiding and abetting an illegal collection practice. Furthermore, under 15 U.S.C. 1681i of the FCRA, Equifax is required to conduct a reasonable reinvestigation of disputed accounts. However, they continued to verify this collection without providing any concrete proof, which is a clear violation of my rights. They have also violated 15 U.S.C. 1681b ( 2 ) by reporting an account without my written authorization or consent. This false collection account is damaging my credit and financial well-being, making it difficult for me to access loans and housing. This is unacceptable, and I will not tolerate this continued violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Removal of Negative Inquiries and Correction of Personal Information To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 and 15 U.S.C. 1681b ), I am writing to request the immediate removal of all negative inquiries from my credit report associated with my bank account. These inquiries were either unauthorized or no longer valid.

Additionally, I request that Experian jonly associate my credit file with my legal name, XXXX XXXX XXXX XXXX, and my primary address, XXXX XXXX, XXXX XXXX, IL. Please ensure that my file does not include any variations of my name or addresses that do not belong to me. I am not to be associated with any misspellings or similar names that may cause errors in my credit report. 
Please investigate and take corrective action to ensure the accuracy of my credit file. I look forward to receiving confirmation of these corrections. 
If you require any further documentation or identification to complete your review, please let me know promptly. 
Thank you for your attention to this matter. 
Sincerely, 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 2025-03-06 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: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2025-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc.
State: TX

Complaint narrative:
XX/XX/XXXX payment reported late and they reported me 30 days late. Payments have been made on time for entire time. Opened original account with XXXX XXXX in XX/XX/XXXX. Then transferred to SST. Requesting 30 day late be removed. Payment for XXXX was made by XX/XX/XXXX and all my payments are made by end of month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: GA

Complaint narrative:
I have had private loans since XXXX. I have never been able to pay the full monthly payment amount because I have never been able to afford the payments. Mohela, who is now servicing my private student loans ( previously it was XXXX ) says that I can enroll in a XXXX XXXX XXXX. My loans have less than a $ XXXX balance but I have been making payments on these loans for over a decade because of the fluctuating interest rates and monthly payment amounts. When I spoke to a rep I was told that even if I were to pay the actual amount due every month, the loans would not be paid off until XXXX. I am struggling to pay my rent and the payments are not only barely reduced but my payments are being dragged over the next couple of decades even if I pay the full monthly payment. If I remain on the Rate Reduction Programs ( which I must because I can not afford $ 400 monthly payments ) the life of the loan continues to extend. I inquired if something were to happen to me like death or hospitalization, my cosigners would still have to take on the loan. They do not work with me to make sure I can afford the payments or lessen the life of the loans. The interest rates have burdened me into lifelong debt and terrible customer service. I can not afford to refinance the loans right now because I don't have the credit and I do not want my cosigners to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: GA

Complaint narrative:
TransUnion continues to report a fraudulent and unauthorized account ( XXXX XXXX XXXX ) on my credit file, despite multiple disputes. Both XXXX and XXXX have already deleted this account after my first dispute, yet TransUnion refuses to do the same. I never authorized it and never gave written consent for it to be reported. I have repeatedly disputed this inaccurate information, yet TransUnion continues to verify it without providing any legitimate documentation proving its validity. This is a clear violation of my consumer rights under the FCRA. Under 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of disputed information. However, their repeated failure to remove this account, despite the lack of verifiable proof, shows clear negligence and noncompliance with the law. Additionally, 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies may only report accounts with the written authorization of the consumer. I never gave such authorization. By continuing to report this false and damaging account, TransUnion is actively harming my financial stability. This inaccurate reporting negatively impacts my creditworthiness and makes it difficult for me to obtain necessary financial opportunities, including a mortgage. Their refusal to remove this account, despite clear evidence that it is fraudulent, constitutes willful noncompliance under 15 U.S.C. 1681n, making them liable for damages.

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 2025-03-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX bought my medical debt from XXXX XXXXXXXX XXXX and never sent anything and then reported to credit bureaus which as of XX/XX/year> is no longer legal for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
Upon reviewing my Experian credit report, I noticed multiple fraudulent accounts and unauthorized inquiries that I did not open. These fraudulent activities have severely impacted my credit standing. I have attached my FTC Identity Theft Report ( Case # XXXX ) for verification. 
Fraudulent Accounts on Experian : 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  ) Unauthorized Hard Inquiries on Experian : 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 2025-03-07 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: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-06 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute Inaccurate Payment History Dear XXXX Dispute Department, I am writing to formally dispute an inaccuracy on my credit report concerning my Chase account ( Flexible Spending Credit Card ). Upon reviewing my credit file, I noticed that this account is reported as Terminated, despite having a current status with a last payment recorded on XX/XX/XXXX. This is incorrect, and I request an immediate correction. 

Additionally, my payment history for this account is reported as on time for all periods, and there is no record of late payments ( 0/0/0 for 30/60/90 days late ). However, this contradicts another credit bureau report from XXXX, which inaccurately marks late payments in XXXX. This inconsistency needs to be investigated and resolved. 

To ensure my credit report is accurate and reflects my responsible credit usage, I request : XXXX. Verification and correction of my Chase account status to ensure it is properly reported as Current rather than Terminated.

2. Removal of any inaccurately reported late payments across bureaus to ensure consistency and accuracy in my credit file. 

I have attached supporting documentation, including my Chase account details, payment history, and other relevant records, to support my claim. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve this dispute within 30 days. 

Please update my credit report accordingly and provide me with a written confirmation of the corrections. If you determine that the disputed information is accurate, I request a detailed explanation of your findings and the sources used for verification. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and keep me informed of any updates. If you require additional information. 



Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief