vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ) I ask that the accounts listed below be moved because its clear violation of the fair credit reporting Act section 15 U.S. code 1681i - procedure in the case of Disputing accuracy. I ask that the accounts and inquiries be investigated thoroughly as a result removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft.

These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ) I ask that the accounts listed below be moved because its clear violation of the fair credit reporting Act section 15 U.S. code 1681i - procedure in the case of Disputing accuracy. I ask that the accounts and inquiries be investigated thoroughly as a result removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing a complaint with Equifax for failing to properly investigate my disputes regarding an accuracy in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compliance with federal law and provide consumers with a necessary proof of investigation. I am requesting the accounts that were disputed on the latest investigation, in the past XXXX years be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violare 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. Further more, their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and finacial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: LA

Complaint narrative:
Background : My original loan of approximately {$35000.00} began in XXXX and has now grown to {$230000.00}. Throughout the life of this loan, I have never received any other financial aid and have never been in default. I entered XXXX in XXXX and have never missed a payment since entering XXXX, except during the XXXX pause. 

Loan Issue : In XXXX, I was advised to consolidate my loans to bring me closer to forgiveness, as more months would qualify. Consequently, I consolidated my loans, but at that time, payment counts were not available for me to verify which payments qualified. 
Prior to consolidation, I attended graduate school at XXXXXXXX XXXX from XX/XX/XXXX - XX/XX/XXXX and was placed in an in-school deferment without my knowledge or consent. I did not receive any financial aid during this time. Additionally, I have been informed that I was in school from XX/XX/XXXX - XX/XX/XXXX ; however, I am unaware of which school this refers to. I am unable to reach out to this institution that is being referenced as to why I was put in deferment. 
I have been employed full-time with a XXXX XXXX since XXXX and have made XXXX qualifying payments under an eligible repayment plan. 
Mohela provided me with an in-school deferment waiver, which I signed and returned. It was approved to waive my in-school deferment. Before the pause, I spoke with multiple representatives who assured me that I was good to retire, as I had planned to do that summer, and that my payment counts would update over the summer, reflecting that I had met the XXXX requirement for XXXX forgiveness. After the pause, my loans transferred to XXXX XXXX and are no longer with Mohela. XXXX says they can not help me because this happened prior to them being my servicer. 
I retired on XX/XX/XXXX under the belief that I had the qualifying XXXX payments, as I was repeatedly assured by Mohela. However, after the payment count update, my in-school deferment periods prior to consolidation were still not included. I was informed that this was due to those periods occurring before my consolidation. This was contrary to the information I had received from Mohela. Had I been provided with accurate information, I could have delayed my retirement and continuing working for my qualified employer until my loans were forgiven. 
I am now XXXX XXXX XXXX and facing the reality of carrying this loan for the remainder of my life, or come out retirement due to misinformation. I was not required to consolidate my loans, and Mohela 's misleading guidance led me to make a decision that has negatively impacted my financial future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Formal Dispute Failure to Verify Account Per FCRA I am formally disputing the reporting of an account by XXXX XXXX XXXX on my credit report. Since XXXX, I have repeatedly requested that this account be investigated for inaccurate, incomplete, and unverifiable information. However, no action has been taken to correct or remove the account. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information within 30 days. Furthermore, XXXX XXXX XXXX, as the furnisher of information, is obligated under FCRA 623 ( 15 U.S.C. 1681s-2 ) to provide proper verification and has not done so. 

Verification must include : - The name and contact information of the original creditor. 
- A complete payment history. 
- A signed agreement or contract proving my obligation to the debt. 
- Proof that XXXX XXXX XXXX has the legal authority to collect the debt. 

Since the company has failed to provide this documentation, the law states that any unverified information must be deleted from my credit report per FCRA 611 ( a ) ( 5 ) ( A ). I request the immediate removal of this account and a written confirmation of the action taken. 

Sincerely, 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 2025-02-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Dispute Failure to Verify Account Per FCRA I am formally disputing the reporting of an account by XXXX XXXX XXXX on my credit report. Since XXXX, I have repeatedly requested that this account be investigated for inaccurate, incomplete, and unverifiable information. However, no action has been taken to correct or remove the account. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information within 30 days. Furthermore, XXXX XXXX XXXX, as the furnisher of information, is obligated under FCRA 623 ( 15 U.S.C. 1681s-2 ) to provide proper verification and has not done so. 

Verification must include : - The name and contact information of the original creditor. 
- A complete payment history. 
- A signed agreement or contract proving my obligation to the debt. 
- Proof that XXXX XXXX XXXX has the legal authority to collect the debt. 

Since the company has failed to provide this documentation, the law states that any unverified information must be deleted from my credit report per FCRA 611 ( a ) ( 5 ) ( A ). I request the immediate removal of this account and a written confirmation of the action taken. 

Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: GA

Complaint narrative:
Formal Dispute Failure to Verify Account Per FCRA I am formally disputing the reporting of an account by XXXX XXXX XXXX on my credit report. Since XXXX, I have repeatedly requested that this account be investigated for inaccurate, incomplete, and unverifiable information. However, no action has been taken to correct or remove the account. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information within 30 days. Furthermore, XXXX XXXX XXXX, as the furnisher of information, is obligated under FCRA 623 ( 15 U.S.C. 1681s-2 ) to provide proper verification and has not done so. 

Verification must include : - The name and contact information of the original creditor. 
- A complete payment history. 
- A signed agreement or contract proving my obligation to the debt. 
- Proof that XXXX XXXX XXXX has the legal authority to collect the debt. 

Since the company has failed to provide this documentation, the law states that any unverified information must be deleted from my credit report per FCRA 611 ( a ) ( 5 ) ( A ). I request the immediate removal of this account and a written confirmation of the action taken. 

Sincerely, 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 2025-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TAG Intermediate Holding Company, LLC
State: AZ

Complaint narrative:
I am deeply frustrated and disappointed with the way Tricolor Auto Group has handled my case and disrespected my rights as a customer. I initially contacted them multiple times via email to address the fact that they have failed to report my timely loan payments to the credit bureaus. This negligence has negatively impacted my credit score and prevented me from refinancing my loan under better terms.

Despite my efforts to resolve this issue, Tricolor Auto Group has been dismissive, sarcastic, and unprofessional. On one occasion, their branch manager blocked me from contacting them, which I consider highly inappropriate and indicative of their lack of accountability. I even escalated the matter by filing a complaint with the Attorney General 's office, detailing their failure to act responsibly and their dismissive behavior.

In addition to their refusal to report my payments, I have experienced other issues with Tricolor Auto Group, including reversed payments that were incorrectly handled, which further complicated my financial situation. I have also had to replace the EVAP valve and the battery in my vehicle at my own expense, despite the dealership initially claiming these repairs would be covered. Their refusal to take responsibility for these repairs has added to my frustration and financial burden.

The staff at Tricolor Auto Group have treated me as though they are above the law, showing no concern for the impact of their actions on my credit or finances. This has left me feeling powerless and extremely stressed, as I am now facing a higher payoff amount to refinance my loansomething that could have been avoided if they had fulfilled their obligations.

Their lack of action and dismissive attitude have made me feel disrespected as a customer and as a person, and I am exhausted from trying to resolve this issue with a company that refuses to take my concerns seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-07 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-07 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Closed Accounts from My Credit Report I am writing to request the removal of closed accounts from my credit report that I believe should no longer be listed. Below are the details of the closed accounts in question : XXXX XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXXXXXX XXXX  Date Closed : XX/XX/XXXX XXXX XXXX XXXX Date Closed : XXXX XXXX, XXXX XXXX Date Closed : XXXX XXXX, XXXX XXXX XXXX XXXX Date Closed : XX/XX/XXXX XXXX Date Closed : XX/XX/XXXX XXXX Date Closed : XX/XX/XXXX I believe that these accounts should be removed as they are no longer relevant or accurate on my credit report. I kindly request that you review these closed accounts and take the necessary steps to have them removed from my credit report as soon as possible. 

Please confirm in writing once the requested changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief