vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had complained about XXXX XXXX 's XXXX, fradulent and abusive behaivor. Meanwhile, I sent 2 full payments and they said they lost. They found the checks after I keep issuing new payments. At last, my third attempt, the bill got paid completely and I closed my account for their XXXX, abusive customer service. Then I filed a complaint about their hostile, abusive, XXXX behaivor. Later, they sent me a refund by check completely as an 'apology '' during XXXX. I ended my complaint after the check recieved. Few days later, they reversed the refund, added many late fees, intetest fees on already closed account and reported my account as late, non payment. When I called how, why, the XXXX manager said they refunded me by mistake. When I disputed, the manager implied my race and said 'I was a XXXX, I know how to deal with people like you '' on a recorded conversation. She refused to let me speak with a higher manager to complain about her, continued to be abusive. Then hang up on me without any resolution. I filed another complaint. They responded something completely different to close my complaint. Then as a retailation, bullying tactics, they added more late fees, interest fees and reported my account for late, non-payment. In the middle of my real estate buy/sell, they intentionally decresed my credit scores, causing me financial loss. The dispute against XXXX XXXX Credit Card was NOT about the product, it was their XXXX, abusive, bullying managers and numerous mistakes after 7 months!

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 2025-02-15 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: TX

Complaint narrative:
I am filing this complaint against Equifax, Experian, Transunion failing to properly investigate my disputes regarding inaccuracies in my credit report, Equifax, Experian, Transunion consistently responds within a couple days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates FCRA 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian, Transunion actions may also contravene the Consumer Financial Protection Act CFPA 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding against them for similar violations. I request the CFPB take action to ensure Equifax, Experian, Transunion complies with federal law and provides consumers with necessary proof of investigation.

I recently submitted the same disputes for the same account several times the account always come back as verified within 24 hrs most of the time without explanation of why it was verified. 
Account name is XXXX XXXX. Account should be deleted immediately due to improper investigations on this account and violations to the FCRA LAWS and I should receive proper compensation for it as well.

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 2025-02-15 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: TX

Complaint narrative:
I am filing this complaint against Equifax, Experian, Transunion failing to properly investigate my disputes regarding inaccuracies in my credit report, Equifax, Experian, Transunion consistently responds within a couple days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates FCRA 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax, Experian, Transunion actions may also contravene the Consumer Financial Protection Act CFPA 12 U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB recent administration proceeding against them for similar violations. I request the CFPB take action to ensure Equifax, Experian, Transunion complies with federal law and provides consumers with necessary proof of investigation.

I recently submitted the same disputes for the same account several times the account always come back as verified within 24 hrs most of the time without explanation of why it was verified. 
Account name is XXXX XXXX. Account should be deleted immediately due to improper investigations on this account and violations to the FCRA LAWS and I should receive proper compensation for it as well.

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App block Inc. due to INADEQUATE customer service and unfair, practice violate the consumer financial protection act ( CFPA ) specifically Cash App fee to take time and effective measures to prevent an address for on the platform leaving my account vulnerable and unprotected. Furthermore, that dispute resolution process was unfair and. DECEPTIVE as they did not comply with revolutions requirements under the Electronic Funds Transfer act ( EFTA ) and regulations E these actions have caused significant INCONVENIENCE and financial loss and I seek appropriate REDDRESS for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$26000.00} from XXXX XXXX XXXX Account XXXX XXXX The company listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right. to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

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 2025-02-15 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) DEPT OF ED/XXXX  acct # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple FTC reports and request for information used for investigation. I have never received aby information. I was a part of the Equifax Data Breach. I recently filed my third FTC report and would like the items removed from my credit report as they are stopping me from being able to rent a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Regional Acquisition Group, Inc.
State: IN

Complaint narrative:
I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit negatively all while being unauthorized and verified and have no permissable purpose. I was also involved in the XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-15 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:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2025-02-15 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: VA

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2025-02-15 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: OH

Complaint narrative:
I disputed inaccurate accounts and accounts that did not belong to me with experian exquifax and transunion they refused to make it right now my employment is being hindered

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 2025-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against XXXXXXXX XXXX managed by XXXX XXXX XXXX and Aldous & Associates Debt Collection Agency . Below is a summary of the situation that has led to my complaint : I signed a lease for an apartment at XXXX XXXX, managed by XXXX XXXX, on XX/XX/XXXX, while I was attending XXXX XXXX XXXX However, due to unforeseen personal circumstances, I was unable to continue my studies at the university and made the decision to move out of the apartment on XX/XX/XXXX. I immediately informed the XXXX management team of my decision and left the apartment key in the unit. 

After notifying them of my intent to move out, I was informed by XXXX XXXX that I still owed money for the remainder of the lease due to the signed contract. I agreed to pay the fees, but the person I spoke with over the phone insisted that I could only pay via money order, which seemed unusual as I would have preferred to make a payment through a card transaction or a bank transfer for better documentation and record-keeping. 

On XX/XX/XXXX, as I was leaving XXXX, I went to a gas station, purchased a money order, and dropped it off at their office after hours, leaving it under the door. I believed this matter was concluded at that point. 

However, a year and a half later, I was shocked to discover that XXXXXXXX XXXX claimed I still owed them money and had sold my alleged debt to Aldous & Associates Debt Collection Agency. This has raised serious concerns as there have been multiple violations of my rights during this process. 

The specific issues I have encountered are as follows : Illegal sale of a paid debt : XXXXXXXX XXXX should not have sold a debt that was already paid in full, which is a violation of my rights. 
Failure to send prior notice : XXXXXXXX XXXX  never sent me any form of notice, either electronically or by mail, informing me of an unpaid debt before selling it to a collection agency, which is against the Federal Trade Commission ( FTC ) regulations. 
Failure of Aldous & Associates to communicate : Aldous & Associates has never contacted me by mail or any other means to inform me of this alleged debt before it was reported to the credit bureaus. This is a violation of the Fair Debt Collection Practices Act. 
Lack of proof of debt : Despite my request for proof of the debt, it has been over three weeks and I have yet to receive any documentation from Aldous & Associates regarding this matter. 
I respectfully request that the Consumer Financial Protection Bureau look into this matter and assist me in resolving these issues, which include potential violations of debt collection laws and consumer protection regulations. 

Thank you for your time and attention to this issue. I look forward to your response and any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NY

Complaint narrative:
My identity has been compromised since the year 2024. The thieves used my stolen information to obtain an apartment lease with XXXX XXXX XXXX. The thieves also used my information in an attempt to get credit cards. I became aware of this situation in XXXX after XXXX XXXX XXXX XXXX XXXX contacted me regarding a debt originating from the XXXX XXXX XXXX lease that was taken out in my name without my knowledge/consent. Afterward, I reviewed my credit report on XXXX and that's when I discovered several unknown names, addresses, and phone numbers on my credit report along with this collection account. This situation is a significant inconvenience and has drastically hindered my ability to obtain credit. Please investigate and remove this account from my credit report and uphold my rights furnished by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: TX

Complaint narrative:
In XXXX, 2025, the Department of Governmental Entities ( DOGE ) unlawfully accessed and obtained sensitive student loan and financial aid records from the U.S. Department of Education ( DOE ) databases. This breach included personally identifiable information ( PII ), Free Application for Federal Student Aid ( FAFSA ) records, and IRS tax transcripts, which were accessed without borrower consent. 

As a result of this unauthorized access, my personal and financial data have been compromised. I am requesting immediate corrective action, including an investigation into the breach, notification to all affected borrowers, and appropriate remedies to mitigate any potential harm caused by the unauthorized disclosure of my records. 

I have taken the following actions in response to this breach : 1. Filed a FERPA complaint with the U.S. Department of Education regarding the unauthorized access to my educational records.

2. Reported the data breach to relevant consumer protection agencies.

3. Requested a fraud alert be placed on my credit file due to the potential risk of identity theft. 

Given the severity of this incident, I am seeking urgent resolution and appropriate accountability for the mishandling of my sensitive information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation