vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 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: MI

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. 
XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my experian credit report on XX/XX/year> and noticed something are incomplete and not accurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
This complaint is being filed to ensure I receive a response from the debt collection company. Credit Management Company and or Collection Management. I am utilizing this CFPB complaint as a medium of written communication to inform them of my refusal to pay the alleged debt they claiming I owe because it is a debt that resulted from identity theft. The alleged debt they are claiming I owe does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: CT

Complaint narrative:
I am a victim of identity theft, and fraudulent information has been reported on my credit report. Several accounts have been incorrectly listed as delinquent, which has significantly affected my credit. These accounts include : XXXX XXXX ( Account Numbers : XXXX and XXXX ) - Status : Charge-Off XXXX XXXX XXXX ( Account Number : XXXX ) - Status : Closed XXXX XXXX XXXX Account Number : XXXX ) - Status : Collection Additionally, an incorrect address has been listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX This address is fraudulent and should be removed from my file. 

I have taken the necessary steps to report the identity theft, including filing an identity theft report and submitting disputes to the credit bureaus under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have also provided all supporting documentation, including proof of my identity, proof of my updated address, and a police report, to Equifax, XXXX, and XXXX. 

Despite these actions, the fraudulent accounts and incorrect address remain on my report, negatively impacting my ability to obtain credit.

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 2025-02-10 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: CT

Complaint narrative:
I am a victim of identity theft, and fraudulent information has been reported on my credit report. Several accounts have been incorrectly listed as delinquent, which has significantly affected my credit. These accounts include : XXXX XXXX ( Account Numbers : XXXX and XXXX ) - Status : Charge-Off XXXX XXXX XXXX ( Account Number : XXXX ) - Status : Closed XXXX XXXX XXXX Account Number : XXXX ) - Status : Collection Additionally, an incorrect address has been listed on my credit report : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX This address is fraudulent and should be removed from my file. 

I have taken the necessary steps to report the identity theft, including filing an identity theft report and submitting disputes to the credit bureaus under Section 605B of the Fair Credit Reporting Act ( FCRA ). I have also provided all supporting documentation, including proof of my identity, proof of my updated address, and a police report, to Equifax, XXXX, and XXXX. 

Despite these actions, the fraudulent accounts and incorrect address remain on my report, negatively impacting my ability to obtain credit.

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 2025-02-10 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: FL

Complaint narrative:
I disputed the accuracy of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) on my TransUnion credit report and requested verification of the information being reported. TransUnion failed to provide the legally required method of verification ( MOV ) and instead marked the account as verified without furnishing any supporting documentation. Additionally, my credit report includes an unauthorized inquiry from XXXX XXXX dated XX/XX/year>. I requested proof that I authorized this inquiry, but TransUnion failed to provide any verification. Their failure to properly investigate and verify these disputed items violates the Fair Credit Reporting Act ( FCRA ), causing unnecessary harm to my credit profile.

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 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MS

Complaint narrative:
This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have added a collection to my credit report and Ive already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitiled to {$1000.00}. They just either compensate me or remove this this fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regardign Zelles handling of disputes, particularly in light of the recent CFPB lawshit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indiciate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving ususers vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious converns about conusmer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Deptednelnet states XX/XX/2012 an account with the balance of {$2400.00} was open and I have no knowledge. I do not have any contractual agreement with them and this goes against my 15th amendment rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-10 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 have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in a light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times are reporting discrepancies my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible, the CFPB findings indicate that Zelle has not only neglected to protect customers also has allowed repeaters to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: MI

Complaint narrative:
I recentil reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-10 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: PNC Bank N.A.
State: NJ

Complaint narrative:
someone stole my personal information i was victim of identity theft internalrevenue code 26 usc 6050p

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 explanation
Consumer complaint received 2025-02-10 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against CASH APP ( BLOCK , INC . ) due to inadequate customer service and unfair practices, which violate the consumer financial protection ACT ( CFPA ) specifically, CASH APP failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the ELECTRONIC FUND TRANSFER ACT ( EFTA ) and REGULATION E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
I disputed the above-listed accounts with Equifax, demanding an investigation into their accuracy. In response, Equifax simply stated the accounts were " verified '' but provided no evidence, method of verification, or supporting documentation. This failure to disclose their verification process violates FCRA regulations, denying me my legal right to an accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
They sent me a court document XX/XX/XXXX stating that if I didnt show up to court XX/XX/XXXX they would start XXXX my paycheck. When I received my pay on XX/XX/XXXX they had taken XXXX out of my paycheck. I couldnt even pay my rent. His is this legal when court date hasnt even arrived?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
Purchased a {$100.00} giftcard on XX/XX/year>. Provided the company with requested information ( photo of gift card and proof of purchase ) I have since heard nothing no information is available. 
case # assigned is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I am filing this complaint due to concerns about the unauthorized access and handling of my personal student loan information by the XXXX XXXX XXXX XXXX XXXX XXXX  ). I learned through recent news reports that XXXX has been given access to sensitive student loan data managed by the Department of Education and its loan servicers. This raises serious privacy concerns, as I have not authorized the sharing of my personal loan information with this department. 

On XX/XX/year>, I contacted my loan servicer, Aidvantage, via email to inquire whether my data had been shared with XXXX under what authority, and what specific information may have been accessed. I also stated that if my information had been shared without proper authorization, I would like to know the process for filing a formal complaint. 

Since I have just sent this request, I am awaiting a response from Aidvantage. However, given the sensitive nature of this issue, I am seeking federal oversight to ensure my data privacy is being protected. I also plan to send a certified letter to Aidvantage to formally document my request. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that my personal student loan information is not being accessed or misused without my explicit consent.

Company response to consumer: Closed with explanation