vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Obligations and Demand for Immediate Cancellation To Whom It May Concern, I am writing to formally dispute the student loan obligations associated with Natachia W. Savannah Randles , as held by MOHELA. This dispute arises from serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Higher Education Act.

It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and affiliate entities. This unauthorized access to my confidential records constitutes a flagrant violation of my federal privacy rights. As such, it nullifies any enforceable loan agreements under federal law, and I hereby demand the immediate cancellation of all financial obligations related to these debts. 
Given the severity of these violations, I expect a prompt and thorough investigation into the circumstances of this breach, along with the immediate cessation of any attempts to collect on these loans. Under the circumstances, I also request written confirmation that my federal privacy rights have been restored and that all related loan obligations are rendered null and void. 
I look forward to your prompt resolution of this matter and expect confirmation of cancellation within 30 days of this letter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Obligations and Demand for Immediate Cancellation To Whom It May Concern, I am writing to formally dispute the student loan obligations associated with XXXX XXXX XXXX XXXX XXXX as held by MOHELA. This dispute arises from serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Higher Education Act.

It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and affiliate entities. This unauthorized access to my confidential records constitutes a flagrant violation of my federal privacy rights. As such, it nullifies any enforceable loan agreements under federal law, and I hereby demand the immediate cancellation of all financial obligations related to these debts. 
Given the severity of these violations, I expect a prompt and thorough investigation into the circumstances of this breach, along with the immediate cessation of any attempts to collect on these loans. Under the circumstances, I also request written confirmation that my federal privacy rights have been restored and that all related loan obligations are rendered null and void. 
I look forward to your prompt resolution of this matter and expect confirmation of cancellation within 30 days of this letter. 
Sincerely, 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Formal Dispute of Student Loan Obligations and Demand for Immediate Cancellation To Whom It May Concern, I am writing to formally dispute the student loan obligations associated with Natachia W. Savannah Randles , as held by MOHELA. This dispute arises from serious legal violations and breaches of federal privacy laws, including the Family Educational Rights and Privacy Act ( FERPA ) and the Higher Education Act.

It has come to my attention that my personal, educational, and financial information has been improperly accessed by unauthorized third parties, including but not limited to XXXX XXXX and affiliate entities. This unauthorized access to my confidential records constitutes a flagrant violation of my federal privacy rights. As such, it nullifies any enforceable loan agreements under federal law, and I hereby demand the immediate cancellation of all financial obligations related to these debts. 
Given the severity of these violations, I expect a prompt and thorough investigation into the circumstances of this breach, along with the immediate cessation of any attempts to collect on these loans. Under the circumstances, I also request written confirmation that my federal privacy rights have been restored and that all related loan obligations are rendered null and void. 
I look forward to your prompt resolution of this matter and expect confirmation of cancellation within 30 days of this letter. 
Sincerely, 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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX I received a Visa Debit card via USPS with a letter containing a QR code telling me to activate my CashApp Card. The CashApp Username printed on the front if the card is XXXX XXXXXXXX. It is issued by XXXX XXXX  The account XXXX on the back is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX I called CashApp customer service and requested fraud reporting. They require that give them an email address to continue to speak with them about this matter, which I am not willing to release any more personal information to potential scammers! 

They insist that they can't tell me who opened the account in my name, what the IP was that the request came from, and won't close the account without sending me email. 

This is unacceptable! 

What are my options here? Someone, somewhere has gained my personal information and is using it to try and defraud me of money. 

I made 2 calls to the CashApp service center, and also reached out to them via XXXX. Same thing each time. 

Please help me close this account and get this off my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
This debt is no longer mines when I went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was suppose to pay off the remaining balance of the cell phones i had on my account. This is why I am filing a complaint against XXXX due to inadequate service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically XXXX failed to take a timely and effective measure 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 requirement 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. Major Data Breach

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-03-04 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-04 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: AZ

Complaint narrative:
Im frustrated to see inquiries from your company on my credit report that I never agreed to.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian and XXXX have failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX have neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's and XXXX 's inaction violates federal law and my rights as a consumer. The accounts in question are below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-04 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: IL

Complaint narrative:
Subject : Request for Compliance FCRA 15 U.S.C. 1681i & Inaccurate Information on Credit Report Dear Transunion I am writing to formally request your immediate attention to inaccuracies on my credit report and to ensure compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I previously submitted a dispute regarding certain items on my credit report ; however, upon review, it appears that the dispute process was not handled in full accordance with federal law.

As a consumer reporting agency, you are required under the FCRA to conduct a reasonable reinvestigation of any disputed information and provide a written notice of the results within five business days after completing the investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). It appears that this process was not properly executed in my case.

Additionally, I have identified the following violations of your legal obligations under the FCRA : Failure to forward disputes to furnishers in a timely manner ( 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) ) Failure to conduct a reasonable reinvestigation and provide all relevant information to furnishers ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to properly investigate disputes regarding hard inquiries ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Failure to implement reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) Based on these concerns, I respectfully request a thorough review and, if applicable, the removal of the following items that do not meet the FCRXXXX accuracy and completeness requirements : 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 XXXXXXXX XXXX PLEASE DELETE IMMEDIATELY Under the FCRA, if these disputes are not resolved within the legally mandated timeframe, I am entitled to request the removal of these items from my credit report. I urge you to take immediate corrective action in accordance with federal law. If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX  ), and the Federal Trade Commission ( FTC ).

I appreciate your immediate attention to this matter and look forward to your prompt response. Please provide written confirmation of your findings and any corrective actions taken.

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 2025-03-03 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 submitted a complaint through the CFPB portal, and asked to remove a credit reporting error, but it was not deleted. The error from XXXX XXXX reports the monthly payments as late, even though it was a charge-off from more than XXXX years ago. 

The recent update shows a check mark for XX/XX/year> suggesting that a payment was made. This is a second violation for reporting incorrectly and must be removed to stay in compliance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief