vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: WI

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE BLOCKING AND DELETION OF FRAUDULENT ACCOUNTS PURSUANT TO 15 U.S.C. 1681c-2 ( a ) Dear Transunion Customer Service , I am writing to formally demand the immediate blocking and deletion of all fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft resulting from the XXXX data breach. Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this fraudulent information upon notification and receipt of supporting documentation. 
Fraudulent Accounts to Be Removed : 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 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 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/year> To assist with your investigation, I have enclosed the following documents : A copy of my government-issued ID Proof of address FTC Identity Theft Report As a victim of the XXXX XXXX breach, my personal and financial information was compromised, leading to fraudulent activity on my credit report. I expect Transunion to take immediate action to rectify the harm caused by this breach. 
I demand written confirmation that these fraudulent accounts and inquiries have been permanently removed from my credit report. Additionally, if any disputed item is reinserted into my credit file, I expect Transunion to provide a detailed explanation, including the evidence used to verify its accuracy. 
Failure to comply with this request will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and any other relevant regulatory authorities. I expect a resolution within the legally mandated timeframe and will pursue all available legal remedies if necessary. 
Please confirm receipt of this letter and provide a resolution promptly. If you need further information, I can be reached at the information above.. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC ID Social Security Card Utility Bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-02-11 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: OR

Complaint narrative:
I am formally disputing the private student loan accounts reported by XXXX and any entities to which my student loan was sold for collections, as they are in violation of multiple federal laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. I respectfully request an immediate investigation into these violations and the removal of these accounts from my credit report.

Legal Basis for Dispute : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : FERPA strictly limits the access and disclosure of student education records without consent. My private student loan information has been accessed and disseminated without my authorization, constituting a direct violation of my rights under FERPA.

Violation of the Privacy Act of 1974 : This act protects individuals from unauthorized access and disclosure of personal records by federal agencies or entities handling federally related data. Unauthorized third parties, including XXXX XXXX and/or his affiliated entities, have improperly accessed my personal information related to my student loans. This unauthorized access violates my right to privacy and requires corrective action. 

Violation of the Higher Education Act : The Higher Education Act provides protections and regulations surrounding the administration of student loans. XXXX actions in reporting and maintaining these accounts have failed to comply with regulatory standards, and the unauthorized access of my records further constitutes a breach of statutory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: OR

Complaint narrative:
I am formally disputing the private student loan accounts reported by XXXX and any entities to which my student loan was sold for collections, as they are in violation of multiple federal laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. I respectfully request an immediate investigation into these violations and the removal of these accounts from my credit report.

Legal Basis for Dispute : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : FERPA strictly limits the access and disclosure of student education records without consent. My private student loan information has been accessed and disseminated without my authorization, constituting a direct violation of my rights under FERPA.

Violation of the Privacy Act of 1974 : This act protects individuals from unauthorized access and disclosure of personal records by federal agencies or entities handling federally related data. Unauthorized third parties, including XXXX XXXX and/or his affiliated entities, have improperly accessed my personal information related to my student loans. This unauthorized access violates my right to privacy and requires corrective action. 

Violation of the Higher Education Act : The Higher Education Act provides protections and regulations surrounding the administration of student loans. XXXX actions in reporting and maintaining these accounts have failed to comply with regulatory standards, and the unauthorized access of my records further constitutes a breach of statutory obligations.

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 2025-02-11 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: OR

Complaint narrative:
I am formally disputing the private student loan accounts reported by XXXX and any entities to which my student loan was sold for collections, as they are in violation of multiple federal laws, including the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act. I respectfully request an immediate investigation into these violations and the removal of these accounts from my credit report. 

Legal Basis for Dispute : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : FERPA strictly limits the access and disclosure of student education records without consent. My private student loan information has been accessed and disseminated without my authorization, constituting a direct violation of my rights under FERPA. 

Violation of the Privacy Act of 1974 : This act protects individuals from unauthorized access and disclosure of personal records by federal agencies or entities handling federally related data. Unauthorized third parties, including XXXX XXXX and/or his affiliated entities, have improperly accessed my personal information related to my student loans. This unauthorized access violates my right to privacy and requires corrective action. 

Violation of the Higher Education Act : The Higher Education Act provides protections and regulations surrounding the administration of student loans. XXXX actions in reporting and maintaining these accounts have failed to comply with regulatory standards, and the unauthorized access of my records further constitutes a breach of statutory obligations.

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 2025-02-12 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 explanation
Consumer complaint received 2025-02-12 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 2025-02-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: MO

Complaint narrative:
Unauthorized information as well as inaccurate information displayed publicly due to date breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I hope this message finds you well. I am currently in the process of applying for a loan, and as part of the application procedure, the lender needs to verify my credit standing. Since my credit report is currently frozen, I would like to request that it be temporarily unfrozen to allow the lender to access it for their evaluation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: KS

Complaint narrative:
I moved out of my old apartment in XX/XX/XXXX and paid the final electricity bill for that month through XXXX. I received phone calls from Firstpoint Collections starting in XX/XX/XXXX and XXXX XXXX that I hadn't paid the final meter reading to XXXX and that it has been sent to collections. I lost access to my XXXX account in XXXX when the apartment 's utilities were taken over by the new tenant, so I was not able to see the bill and did not receive any form of notice regarding this meter reading until the collections agency called me. 

When I spoke to XXXX, they accepted responsibility for the mistake ( they shut down the account and autopay even though its supposed to stay open before the last payment ) and said the payment issue would be sent back to claims to be scrubbed, and many others dealt with the same issue due a change in admin systems. XXXX said they will communicate with FirstPoint to resolve the issue. 

I got called again by Firstpoint Debt Collector today ( XX/XX/XXXX ) saying they will use any information they can to collect the debt. 

That same day I called back XXXX and relayed the information that from the last call, it was an issue on their end that they accepted responsibility for. However, now they were saying that once again it is my fault for not paying the bill that I physically and digitally never received, or never received notice of a billing until I got a second hand one from a sketchy debt collector text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: IL

Complaint narrative:
The Credit Bureaus has failed to fulfill its legal obligation under the FCRA to conduct a proper reinvestigation of disputed items on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issuing such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where the credit bureaus have neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion, Equifax and Experian continue to violate federal law and 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 2025-02-11 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: VA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Dispute of Inaccurate Information and Investigation Procedures Under XXXX Codes Dear Equifax I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting an immediate reinvestigation into the inaccuracies reporting to my credit report.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. However, the presence of these inaccuracies indicates a failure to uphold this legal requirement. Additionally, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted.

Furthermore, I demand full disclosure of the methods used to investigate these disputed accounts under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). If the information you provide does not substantiate the accuracy of the reporting, I expect immediate deletion of the items per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please also be advised that any failure to comply with these legal requirements constitutes willful noncompliance under 15 U.S.C. 1681n, subjecting your agency to potential civil liability.

I expect a formal response within the legally required 30-day period, as outlined in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp.
State: DE

Complaint narrative:
The name of the individual who responded to my previous complaint so that I can have for my records since XXXX  is not a real person. I want to know who is making these claims that I owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I went to the bank on XX/XX/XXXX to do some banking and the teller looked at me like something was wrong. I asked her what was up and she said there was a different name on the account than what I gave her. Come to find out my ex was on my account from XXXX. She was supposed to have been removed in XXXX but never was. Her name was even updated in my account to show her married name. I have requested information as to what is going on with my account and nothing. I then woke up on XX/XX/XXXX to find I had zero access to my online banking. Seems they were doing some fixing on my account and locked me out. Police report is attached

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to formally report a serious breach of confidentiality regarding my account with Discover Financial Services. On XX/XX/year>, I received a letter addressed to me at my home, but upon opening it, I discovered that the contents contained the personal and/or financial information of another customer ( XXXX XXXX XXXX XXXX XXXX 
This raises serious concerns regarding the security of my own personal information and whether it XXXX have been improperly disclosed to other customers as well. As a customer, I trust that my sensitive data is handled with the highest level of care and in compliance with relevant privacy laws, including the XXXX XXXX ( XXXX ) and any applicable state regulations. 
Due to this breach, I am deeply concerned about the integrity of my account and the potential impact on my financial security. As part of resolving this matter, I am requesting that my outstanding balance of {$4200.00} be reviewed for possible removal or adjustment as a goodwill measure, given the companys failure to adequately protect my private financial information. The stress and uncertainty caused by this situation have created an undue burden, and I believe it is only fair for Discover Financial Services to take meaningful steps to make this right.

Company response to consumer: Closed with explanation