vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  I XXXX Balance Owed : {$530.00} XXXX  XXXX Balance Owed : {$530.00} 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>

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Following Loan Forgiveness Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate information on my credit reports maintained by Equifax, XXXX, and XXXX. Despite providing all three credit bureaus with documentation that my loans were forgiven, this information has not been accurately reflected on my credit reports, negatively impacting my credit score. 

I have contacted the credit bureaus directly, submitted a dispute with supporting documentation, and allowed the legally required 30-day period for an investigation and correction under the Fair Credit Reporting Act ( FCRA ). However, my reports still show the incorrect loan status, which is not only inaccurate but also a violation of my consumer rights under the FCRA.

The inaccurate reporting is causing significant harm to my financial well-being, including but not limited to : Lowering my credit score. 
Hindering my access to fair credit opportunities. 
Causing undue stress and financial instability. 

I am requesting the CFPB to intervene and assist in ensuring that my credit reports are promptly updated to reflect the correct informationspecifically, that the forgiven loans show a {$0.00} balance or are removed as appropriate. I am also seeking confirmation of the corrective actions taken by the credit bureaus and the creditors involved. 

Enclosed are copies of : The loan forgiveness documentation. 
Correspondence with the credit bureaus. 
Dispute submissions and responses received Thank you for your attention to this matter. I look forward to a swift resolution to correct my credit reports and protect my consumer rights. 

Sincerely, XXXX XXXX [ Phone Number : XXXX ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AutoCred, Inc.
State: CA

Complaint narrative:
I called AutoCred Inc last month and requested a payment deferrment. Whoever answers the call, never provides names and when you ask, they don't give their name. Whoever that employee was said that she will submit for me. One month passes, they dropped the ball and didn't do it. They are extremely unprofessional and don't know how to speak with customers. I called again today, XXXX in the morning and requester a payment deferrment. Again, no name was provided, I was told I will receive an email. It is now close to XXXX I have not received anything and although on XXXX XXXX says they are open until XXXX, automated phone message says XXXX. This organization seems very shady and the way they handle my car loan and speak to me is beyond belief. I don't understand how they are allowed to exist when they are discriminating, degrading and ignoring their customers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NE

Complaint narrative:
Around mid XXXX of last year, I decided to leave XXXX due to insane amounts on my cellphone bill that resulted in me contacting them almost every time my bill was due. I decided to leave XXXX and go to XXXX. I was leasing a device from XXXX, in which I needed to send back to XXXX. XXXX hit me with {$4000.00} bill and said it was due to not receiving the device. I had to jump through multiple hoops to get someone to see that the device was received. Finally I had a rep that said she received the device and that it was in the warehouse and no one has checked the device in which was a XXXX foldable phone. The XXXX rep told me that it would be 3-5 days to get the account squared away and last I know Im getting a call from a Debt Collection agency in regards to the amount after I was told the account would be handled and that was not the case. I went to the XXXX location today to try to resolve the issue after being told that the issue had been resolved to find out that the debt was not resolved and I have proof that the device was sent back to XXXX but they are still trying to charge Me. I worked with the manager of the store who agreed that these amounts were outrageous and the crime didnt fit the bill, the Debt collection rep that was on the phone then begun to make up what he thinks may be the reason due to him not being able to see the account. The manager and I asked sir are you just making up things and he said yes. I said thats not how this works sir. I have the confirmation email that say that the device was received and the account would be handled. All they said is we will investigate yet I been told this since last year and still they say I need to pay the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-02-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281sw715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2025-02-20 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281sw715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX, SS # XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX Experian XXXX and XXXX credit reporting agency . I request that you ( CFPB ) block information appearing on my consumer credit report that is the result of identity theft and fraud within 7 business days of you receiving this complaint.

In accordance with the Fair Credit Reporting act, these in accurate accounts consist of all hard inquiries such as accts from XXXX XXXX, XXXX XXXX ( bank ) on XX/XX/XXXX, also XXXX XXXX ( XXXX & XXXX ) on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( bank ) on XX/XX/XXXX, XXXX ( bank ) XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX ( bank ) on XX/XX/XXXX .All the accounts are falsely listed with wrong dates and account numbers on my Experian, XXXX XXXX and XXXX consumer credit profile. I would like these hard inquiries deleted with in 4 days of receiving this complaint.

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 a 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 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
In XXXX, debt collector bought a debt from XXXX other companies, and now demanding that I pay. The problem? I dont owe this {$2000.00}, now {$2600.00}, debt that I have proven I DO NOT OWE!! Now they have caused a dramatic decrease in my credit score due to the fact of sending this erroneous account to the Credit Bureaus. I hope that you will restore my character and demand all this stuff to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: OH

Complaint narrative:
I have been a victim of identity theft, through the XXXX Equifax data breach and the XXXX data breach. I have noticed some unauthorized accounts on my credit reports that I have not benefit from. The collections accounts were sold by the original creditor, with whom I had an obligation. I do not have any validation or contractual obligation with the collections companies, so I need these removed from my credit reports immediately, or I will pursue legal action. Also, the old negative accounts and all of the inquiries should be removed as well. These are all hurting my chances at buying a home by the end of the year

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
XXXX is reporting an account incorrectly the account listed as XXXX XXXX XXXX / XXXX XXXX has several late payments that do not match up with the other XXXX credit reporting agencies. XXXX is reporting late payments from XXXX 2018 but Equifax is reporting late payments from XXXX 2018. Neither credit bureau can verify rather this information is correct. XXXX also refuses to provide the source from their investigation. The law is clear that they are required to disclose this information. Instead their response is only verified as accurate with no other information. Tell me exactly how you are verifying this information and with who because this is a violation of my right to privacy and I will have to sue to protect my consumer rights. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigatin
g and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this fraudulent thank you account for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to block fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility. The derogatory marks are XXXX XXXX XXXX : {$1600.00} : Open : XX/XX/XXXX XXXX XXXX : {$3000.00} : Open : XXXX XXXX XXXX : {$670.00} : Open : XX/XX/XXXX Hard Inquiry : XXXX XXXX Based on the CFPB recent lawsuit against the unethical agencies for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I request that your agency to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any fraudulent information from my credit report. 
Failure to comply with the FCRA and other applicable laws will result in legal action, as seen in cases such as XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX 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 2025-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX ( XXXX ) XXXX regarding them collecting a debt from me on the behalf of XXXX. I immediately explained to them that XXXX had already taken my money, but they did not believe what I was saying. After I hung up with them, I called my bank XXXX XXXX XXXX, and I verified that I did indeed make the payment that I was being called about. I then proceeded to take screenshots of my transaction list of my bank statements as well as calling XXXX who also verified that I do not owe them money. I then called the company back and told them to not call me again to take them off me off their call list because I no longer trusted their services. I also knew something was not right when I called back and got the same exact person who asked me about the debt the first time knowing that whenever you call back companies like that, you dont necessarily ever get the same person twice.

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 2025-02-20 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: MA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent INQUIRIES from my credit report. INQUIRIES : 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

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 2025-02-20 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: IL

Complaint narrative:
I am writing to formally dispute the collection account referenced on my credit report by the name of The XXXX XXXX XXXX. I have not signed any contract with your agency, nor do I recognize any debt associated with this collection. 

Additionally, I have reviewed my credit report and noticed that the address linked to this collection account does not appear on my credit history or any of my records. Given this, I request immediate validation of this debt as outlined in the Fair Credit Reporting Act ( FCRA ). Under section 609 of the FCRA, I am entitled to a full accounting of this alleged debt, including the original contract, account history, and the name of the creditor.

As per FCRA Section 623, if this collection is being reported inaccurately, I request that it be corrected or removed from my credit report. If I do not receive proper documentation to substantiate this claim, I ask that you cease re
porting this collection.

Please provide written verification of this account within 30 days of receipt of this letter. Failure to provide proof of this debt will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and may involve further legal action.

Company response to consumer: Closed with explanation