vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Double the amount owed back higher monthly payments cant access my account to get a breakdown can get the right department to get understanding of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: GA

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 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting 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 Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, SXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX ( XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX 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 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 2025-02-08 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:
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 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting 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 Account # XXXX date opened XX/XX/XXXX bal. {$5200.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1100.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, SXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00} XXXX XXXX XXXX ( XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX 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 2025-02-08 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.
State: NJ

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Info Dear Experian, I am writing to formally dispute the late payment ( s ) reported on my credit file for [ Creditor Name ] under account number [ Your Account Number ]. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. After reviewing my credit report, I found late payments listed for [ Month ( s ) /Year ( s ) ] that are incorrect.

I have never made a late payment on this account, and I am requesting that you investigate and remove these inaccuracies. I have attached supporting documents, including [ bank statements, payment confirmations, or other relevant proof ], which confirm my timely payments.

Please conduct a thorough investigation and correct this erroneous information within the 30-day timeframe specified by the FCRA. If you find that the creditor can not verify the accuracy of the reported late payments, I request that they be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction. Please provide me with a written response regarding your findings at your earliest convenience. 

Sincerely, 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 2025-02-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Info Dear XXXX, I am writing to formally dispute the late payment ( s ) reported on my credit file for [ Creditor Name ] under account number [ Your Account Number ]. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. After reviewing my credit report, I found late payments listed for [ Month ( s ) /Year ( s ) ] that are incorrect.

I have never made a late payment on this account, and I am requesting that you investigate and remove these inaccuracies. I have attached supporting documents, including [ bank statements, payment confirmations, or other relevant proof ], which confirm my timely payments.

Please conduct a thorough investigation and correct this erroneous information within the 30-day timeframe specified by the FCRA. If you find that the creditor can not verify the accuracy of the reported late payments, I request that they be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction. Please provide me with a written response regarding your findings at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payment Info Dear XXXX, I am writing to formally dispute the late payment ( s ) reported on my credit file for [ Creditor Name ] under account number [ Your Account Number ]. According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. After reviewing my credit report, I found late payments listed for [ Month ( s ) /Year ( s ) ] that are incorrect.

I have never made a late payment on this account, and I am requesting that you investigate and remove these inaccuracies. I have attached supporting documents, including [ bank statements, payment confirmations, or other relevant proof ], which confirm my timely payments.

Please conduct a thorough investigation and correct this erroneous information within the 30-day timeframe specified by the FCRA. If you find that the creditor can not verify the accuracy of the reported late payments, I request that they be removed from my credit file immediately. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the correction. Please provide me with a written response regarding your findings at your earliest convenience. 

Sincerely, 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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$250.00}

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 2025-02-08 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: MD

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
FNBO closed the credit card account through the XXXX XXXX XXXX, giving me no viable way to repay the balance, charging invalid interest and fees, unlawfully harming my credit report, and not responding to a single formal dispute over in multiple Email communications ( attached ) Specific legal compliance violations by FNBO to me include : XXXX I signed an XXXX agreement to get digital statements, for which you no longer offer, making it impossible to pay back my balance You switched the payment method from the XXXX  XXXX  to no easy option, with almost no notice and no viable repayment option You did not adequately represent your bank through the XXXX XXXX, I had no idea I was doing business with you this whole time, much like the collapse of XXXX  and XXXX XXXX  and Trust Fair Debt Collection Practices Act You continued harassing me with collection notices despite a valid dispute, and do not reply to any EMails on this matter ( like this one ) You fraudulently placed a missed payment on my credit report, lowering my credit score by over XXXX points, causing over {$10000.00} 's of damages to me by not being able to get a loan and higher interest rates Please note I have paid the principal balance on the credit card in full, my dispute is with any late fees or interest payment due to your Unfair, Deceptive, and Abusive Acts and Practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You { XXXX XXXX XXXX } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal 152 action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no 34 permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to XXXX Aggravated Identity Theft pursuant to 18 .S. G. d028 And cotchave knowingly conransfersad, possessed, or used, without consent

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 2025-02-08 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: FL

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/year>, You { XXXX XXXX XXXX } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal 152 action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no 34 permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to XXXX Aggravated Identity Theft pursuant to 18 .S. G. d028 And cotchave knowingly conransfersad, possessed, or used, without consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: VA

Complaint narrative:
shows charge off on my account meaning i should have received a tax form from company but yet my information was sold to a debt collector who is calling and sending messages to sue about amount that i never send a contract with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CA

Complaint narrative:
My name is XXXX XXXX I am formally disputing inaccurate information on my credit report in accordance with 15 U.S.C. 1681i. I did not authorize the reporting or release of my personal information to the companys listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore there are unauthorized inquiries on my credit report that I did not initiate. Which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8. I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2025-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Im filing a Complaint against Cash App XXXX 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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They keep calling me after 8 years past my debt. I try paying them in XXXX since they agreed to return the garnished money from my mothers account for {$1600.00}. After paying for 1 year they told me that they never agreed to return that garnished money. After I was let go of my job I stop paying them. Now they call me every single day between 8-10am even on Friday from different numbers. Also I file bankruptcy on XXXX since they were sending me to court at that time. I asked them why are they still charging me after 8 years and all they can say is my account is on their lawyer hands. 
The number they use to call me every morning are : XXXX called XXXX, XXXX XXXX called XXXX XXXX, XXXX, XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. 
XXXX called XXXX, XXXX, XXXX XX/XX/XXXX. 
I was told that all debt is released after 7 years I am not sure if that is correct but that keep charging and threatening with court or lawyer.

Company response to consumer: Closed with non-monetary relief