vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: OH

Complaint narrative:
Consumer Name : ( 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 XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion, XXXX, XXXX credit XXXXeporting 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 Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$13000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$12000.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$6400.00}, XXXX. XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX Na Account # XXXX date opened XX/XX/XXXX bal. {$650.00}, XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$430.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$300.00}, XXXX XXXXXXXX XXXX XXXX Account # : XXXX date opened XXXX XXXX {$250.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX, XXXX XXXXXXXX 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 


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 # ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-02-09 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: AR

Complaint narrative:
My information was leaked through the Experian company and all the information on my credit score is incorrect. Ive tried to dispute them all with no luck 15 USC 1681 states that there should be accurate and fair credit reporting. Undermining the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( a4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy.

I would also like to state that my privacy and score has been attacked because of the geographical placement in society The extent to which if any, the use of credit scoring models, credit scores and credit based insurance scores impact on the availability and the affordability of credit and insurance to the extent information is currently available or is available through proxys, by geography, income, ethnicity, race, color, religion, national origin, age, sex, marital status, and creed, including the extent to which the consideration of certain factors by credit scoring systems could result in negative or differential treatment of protected classes under the equal credit opportunity act, and the extent to which, if any, the use of under writing systems relying on these models could achieve comparable results through the use of factors with less negative impact and the extent to which credit scoring systems are used by businesses, the factors considered by such systems and the effects of variables which are not considered by such systems. 

Thank you and I hope to see my credit score reflect this problem solved and wont have to go any further in solving this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My information was leaked through the Experian company and all the information on my credit score is incorrect. Ive tried to dispute them all with no luck 15 USC 1681 states that there should be accurate and fair credit reporting. Undermining the public confidence which is essential to the continued functioning of the banking system.

15 USC 1681 ( a4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy.

I would also like to state that my privacy and score has been attacked because of the geographical placement in society The extent to which if any, the use of credit scoring models, credit scores and credit based insurance scores impact on the availability and the affordability of credit and insurance to the extent information is currently available or is available through proxys, by geography, income, ethnicity, race, color, religion, national origin, age, sex, marital status, and creed, including the extent to which the consideration of certain factors by credit scoring systems could result in negative or differential treatment of protected classes under the equal credit opportunity act, and the extent to which, if any, the use of under writing systems relying on these models could achieve comparable results through the use of factors with less negative impact and the extent to which credit scoring systems are used by businesses, the factors considered by such systems and the effects of variables which are not considered by such systems. 

Thank you and I hope to see my credit score reflect this problem solved and wont have to go any further in solving this issue

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I am requesting a debt validation letter from this debt collector which should include but is not limited to, XXXX XXXX XXXX XXXX XXXX XXXX, original documents, original creditors name and address, amounts owed, the date of the last payment, the date the account defaulted, a detailed accounting of all fees and interests added to the debt, and proof that the statue of limitations has not expired. Until this debt collector has given sufficient proof of debt ownership, any and all records of this account should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: IL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions multiple times, Equifax consistently responded within XXXX XXXX stating the account and or information is accurate. They did not provide proof showing a thorough investigation and evidence proven the disputes to be mine. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C XXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take actions to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigations. 

These are the accounts that I requested an investigation and removal : - XXXX ( XXXX Late Payments - XXXX in XXXX, XXXX in XXXX, XXXX in XXXX, and XXXX in XXXX ) - XXXX ( XXXX Late Payments- all from XXXX ) - Multiple Addresses - XXXXXXXX XXXX  Loan ( Late Payments ) - XXXX XXXX for {$110.00} - Inquiries ( XXXX, XXXX, XXXX, XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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:
My information was unlawfully leaked during the data breach and I want my entire profile swept clean & all address that are not mine that are in my profile removed as well

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 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
I am formally requesting a total discharge of my student loan due to multiple federal violations, including but not limited to the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, the Higher Education Act, and failures in data security. These violations have directly harmed me, compromised my financial and personal data, and demonstrate a failure to uphold the legal and ethical responsibilities of my loan servicer. 

XXXX. FERPA Violation Under FERPA, my student loan records were protected against unauthorized disclosure. However, I have evidence that my private educational and financial information was mishandled or improperly disclosed, violating my federal rights. 

XXXX. Privacy Act of 1974 Breach The Privacy Act of 1974 mandates that personal data be protected against unauthorized access and misuse. My personal loan records were improperly handled, which has resulted in harm to my credit and financial well-being. 

XXXX. Higher Education Act Violations As a borrower, I am entitled to fair and transparent loan servicing. However, I have experienced [ describe any misinformation, errors, or fraudulent actions related to your loan, such as incorrect balances, improper loan processing, or wrongful denials of benefits ]. 

XXXX. Data Security Failures My personal and financial data has not been properly secured, leaving me vulnerable to identity theft and fraud. This failure violates federal regulations and further justifies my request for loan discharge.

Request for Immediate Action

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I requested Equifax to verify the accounts on my credit report since my data on my Equifax account have been breached, also copies of verification and proof of any contracts allegedly I have with XXXX XXXX  debt collectors, copies of contracts, and certified public copies of any liens, credit transactions, or debt that have been registered of any kind associated with the consumer. I sent XXXX requests : XXXX through XXXX on XXXX XXXX2024 through certified mail with a XXXX form, it was delivered and return, and another on XX/XX/XXXX through certified mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: IN

Complaint narrative:
Finance company looked at my credit report when Ive never requested credit/loan Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Follow me to learn how to dispute on all three credit bureaus Also Without Permissible 15USC 1681q Under False Pretenses. Bankruptcy Court 's don't verify debt or communicate with CRA. CRA steal info from XXXX. 
Aggravated Identity Theft. 
18USC 1028a ( 1 ).

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 2025-02-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Finance company looked at my credit report when Ive never requested credit/loan Also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Follow me to learn how to dispute on all three credit bureaus Also Without Permissible 15USC 1681q Under False Pretenses. Bankruptcy Court 's don't verify debt or communicate with CRA. CRA steal info from XXXX. 
Aggravated Identity Theft. 
18USC 1028a ( 1 ).

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 2025-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with th necessary proof of investigation. 

Acima

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I tried to get in touch with cashapp to let them know my cashapp was hacked or I got scammed.. they told me its nothing they can do about it. And they closed my account so now I dont have a cashapp anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 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: NY

Complaint narrative:
I am writing to formally dispute the actions of TransUnion regarding the inaccurate information reported on my credit report. TransUnion has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes 16 U.S.C. 1681o and 1681e ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected TransUnion to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent four ( 4 ) additional letters to TransUnion requesting clarification and the methods used to verify the disputed accounts. These letters were dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies TransUnions negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address TransUnions negligent noncompliance, as per 1681o. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent issue.

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 2025-02-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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