vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I recently reviewed my Equifax credit report and discovered several unauthorized accounts and inquiries. I am a victim of identity theft, and I did not authorize these accounts or inquiries. 

Fraudulent Accounts Listed on Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Unauthorized Hard Inquiries on Equifax : XXXX ( XX/XX/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 XXXX These accounts and inquiries were not authorized by me, and they have negatively impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NC

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-19 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-03-19 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: MD

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filling 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my efforts to dispute inaccuracies on my credit file, Experian has left inaccurate and unverifiable accounts unresolved. Experian has not adequately addressed these disputes, despite my providing sufficient evidence of their inaccuracies. In addition to my unresolved disputes, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for violating the FCRA. According to the CFPB 's complaint, Experian has failed to properly conduct reinvestigations of disputed information, improperly reinstituted previously deleted information, and mischaracterized consumer disputes. The CFPB has also alleged that Experian has failed to follow reasonable procedures to ensure the maximum possible accuracy of the credit information it reports. Given the ongoing issues with Experians failure to correct or resolve these inaccuracies, I am seeking assistance from the CFPB to ensure that Experian complies with the law, corrects the inaccuracies on my credit report, and upholds my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: LJ Ross Associates
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), specifically section 604, prohibits companies from sharing your credit information without your consent I have no binding contract with LJR Associates and have never been in contact with their company. Furthermore, my personal information have been shared with this company without my consent & added to my credit report without my consent as well. 

Requested a wet in contract from the company and have not heard back. My rights are being violated and I am prepared to pursue legal matter if not deleted immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I have companies that I have never heard of on my credit report trying to collect the debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 2025-03-19 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 have student loans and graduated in XXXX. I entered into a payment plan with my servicer and paid as agreed. My loan servicer is Mohela. On XX/XX/XXXX I sent complaint letters to the XXXX XXXX XXXX  and Mohela regarding unauthorized access of my account by individuals and parties that had no need for the information. According to news reports made on or about XX/XX/XXXX, XXXX and XXXX XXXX were given access to my personal loan information. XXXX is not an actual government department and XXXX is not an official employee of the XXXX XXXX XXXX. My letters have been ignored and I have received nothing from the XXXX XXXX XXXX or Mohela. Due to the violation of my XXXX rights, I no longer feel comfortable providing financial information ( such as my bank account ) because I no longer have control of who has access. XXXX and the team of people that access student loan information had no right to access that information. XXXX is very specific in this matter. I am requesting the full and complete discharge of this debt as I no longer have confidence that my information is safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
As instructed by Western Union customer service, I sent an email to the Money Order department on XX/XX/XXXX because their money order refund application does not work with a non XXXX. 

On XX/XX/XXXX I emailed Western Union via email requesting a status of my refund. 

On XX/XX/XXXX I emailed Western Union via email requesting a status of my refund. 

On XX/XX/XXXX I emailed Western Union via email requesting a status of my refund. 

On XX/XX/XXXX I attempted to contact the Western Union Money Order department via their customer service phone number XXXX to no avail as the phone system redirects you to file a claim using their website that is non functional when attempting to upload copies of the money order. The website application puts you in an endless loop. 

I want my refund for {$40.00} and I am frustrated by Western Union 's incompetence and indifference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I was locked out of my account on XXXX XXXX, for verification, once I verified I was able to get back in my account and I saw that {$550.00} of XXXX XXXX XXXX was missing, so I called the customer service number listed on their website, no answer left a message to call back and someone stating that they were from coinbase called me back concerning this issue, he got all my info regarding this issue, and he told me that I would be receiving a refund of {$550.00}, but instead he just took the rest of all my account balance of {$3900.00}, I started to cry and couldn't believe this was happening. But, I had also heard to be careful with this type of money exchange, so I had previously had signed up as a coinbase membership for {$29.00} per month specifically for the insurance coverage it offers up to {$250000.00}, it's called Coinbase XXXX. So, when I reported this loss, I was told that someone would be calling me back regarding this issue, and now when I call to customer service my phone number is blocked, so I'm not able to log back into my account online, also. And now I keep getting harrassing emails stating that I owe them money and they've also blocked my XXXX account, because that's where I would send deposits to buy XXXX. During, this time coinbase was having problems with hackers, their system kept going down, because everybody was trying to buy XXXX token before the presidential inaugration, because it was predicted that it would go up in value. So, {$3900.00} was all XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account name XXXX XXXX  Account XXXX XXXX has violated my rights.

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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Fraudulent Account Removal Identity Theft Report Enclosed To Whom It May Concern, I am submitting this letter to formally request the removal of fraudulent accounts and charges from my credit report due to identity theft. Enclosed, you will find my FTC Identity Theft Report ( Report XXXX. XXXX ) detailing the unauthorized accounts and transactions that were fraudulently opened in my name. 
The fraudulent accounts in question include : XXXX Credit Card Account XXXX XXXX XXXX, totaling {$540.00} XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, totaling {$8300.00} XXXX XXXX Credit Card XXXX Account XXXX XXXX XXXX, totaling {$860.00} As per the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681c-2 ], I am requesting that these fraudulent accounts be permanently blocked and removed from my credit report. I have also reported this matter to the Federal Trade Commission ( FTC ) and will be filing a complaint with the State Attorney Generals Office if necessary. 
To facilitate the processing of my request, I have also mailed the necessary documents to verify my identity, including a copy of my government-issued ID, proof of address, and any additional supporting documentation required. Please review these documents in conjunction with my dispute. 
I kindly ask that Equifax provide me with written confirmation once these accounts have been removed and that any fraudulent activity no longer impacts my credit history. Please contact me if any further documentation or verification is required to process this request. 
Thank you for your prompt attention to this matter. I appreciate your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-19 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: FL

Complaint narrative:
Under FCRA 605B ( 15 USC 1681c-2 ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the XXXX data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within four ( 4 ) business days as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: WA

Complaint narrative:
I logged into my account to review balance/info as I have periodically done during the XXXX forbearance. My balance has been right around XXXX since the forbearance started at XXXX interest rate. Today my balance has climbed to over XXXX with XXXX of my loans interest rate higher than XXXX percent. All of my loans should be in save forbearance at 0 %. When I attempted to call, it was over a XXXX hr wait time and have not received an email response to the issue. No interest has capitalized and with the rate being set to zero for the last 8 months, I am not sure why it had a XXXX increase in matter of weeks since I last checked the balance. Also, on XXXX, my balance is showing the correct amount owed and you can see the discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: UT

Complaint narrative:
XXXX XXXX XXXX is using XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX, TX to collect a parking violation debt of {$60.00} for a car ( license plate ) I dont own in a city I wasnt in registered in a state I dont live. They are requiring me to prove this wasnt me, rather than them proving it was me. The plate is XXXX ( OH ) and the violation was on XXXX XXXX XXXX, XXXX, OH. Its a XXXX XXXX I dont own ( internet search ). I was in my home, in XXXXXXXX XXXX  on XX/XX/year> - the date of the violation, not OH. They wont give me any more info other than XXXX XXXX gave them me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation