vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
My student loans have been in deferment for 2 years, and the deferment does not end until XXXX due to my loans being apart of the defensive borrowing act. The student loan company is still reporting my balances are increasing every month. From my understanding that only is suppose to be reported when the deferment is removed.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My student loans have been in deferment for 2 years, and the deferment does not end until XXXX due to my loans being apart of the defensive borrowing act. The student loan company is still reporting my balances are increasing every month. From my understanding that only is suppose to be reported when the deferment is removed.

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 2025-02-18 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: TX

Complaint narrative:
I have recently reviewed my credit report and noticed several accounts that do not belong to me. These entries are completely erroneous and have no connection to me whatsoever. This is not only unjust but also deeply concerning. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate and fair credit report. These inaccuracies must be rectified immediately. I expect a thorough investigation into these errors, and I insist that they be corrected without delay. Failure to address this matter promptly will leave me no choice but to pursue legal remedies.

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 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
They call and text repeatedly. They call my family members and tell them that they are trying to locate me to settle a debt. I called them and asked them to stop calling my family member and they hung up and me and then continued to call my family members.

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 2025-02-18 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: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered multiple accounts that are inaccurately listed under my name. These accounts are completely unrelated to me and should not be affecting my credit history. This is a serious matter and causes significant concern. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to a credit report that is both complete and accurate. These inaccuracies must be investigated and corrected immediately. I expect a swift resolution and a thorough review of the erroneous information. If this issue is not addressed promptly, I will be forced to consider legal actions to protect my rights.

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 2025-02-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
Kia Motor Finance is reporting to credit Bureaus I owe 100 % on the loan. The car was taken in XX/XX/XXXX. The maturity of the loan had expired. I received a letter that the vehicle was being auctioned on XX/XX/XXXX. I looked at my credit report to see the balance due was {$3600.00}. I called XX/XX/XXXX requesting a XXXX. I never heard back from Kia. I called XX/XX/XXXX, I only to find out no broken down of the bill sale was mailed to me the car was sold XX/XX/XXXX. I requested a XXXX, I would like the reason why the XXXX was denied. Why I didnt receive my bill of sale and why Kia is reporting my payments were late every month XXXX and XXXX. Why is Kia reporting I owe 100 % on the loan that was charged off.

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 2025-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have noticed multiple hard inquires on my acct. I have been a victim of identity theft and did not authorize these companies. Can you get these inquiries removed?

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 2025-02-18 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: CA

Complaint narrative:
I had filed a dispute with Experian. Inaccurate balances, missing information are reported. They did not update any information. All I see is a deletion of an old address and phone number but no updated numbers in credit report, regarding balances, etc. Information all 3 credit bureaus have in my credit reports does NOT match. All are inaccurate.

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 2025-02-18 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: CA

Complaint narrative:
I had filed a dispute with Experian. Inaccurate balances, missing information are reported. They did not update any information. All I see is a deletion of an old address and phone number but no updated numbers in credit report, regarding balances, etc. Information all 3 credit bureaus have in my credit reports does NOT match. All are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
Filed twice on these accounts to fix errors and never did they take any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: DE

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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

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 2025-02-19 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: IN

Complaint narrative:
I am filing this complaint against XXXX for inaccurately reporting my consolidated student loan as defaulted despite my on-time payments. 

I consolidated my student loan through XXXX and have made all payments on time. 
Despite the consolidation, XXXX continues to report the loan as defaulted, damaging my credit score unfairly. 
I disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), but the servicer failed to update my information correctly. 
Reporting false or outdated information is a violation of FCRA 1681s-2 ( a ), which requires furnishers to ensure accuracy.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
XX/XX/year> i contacted transworld systems inc. in attempt to collect more information on a debt that showed up on my XXXX XXXX. When i was connected with a rep they said in order for me to obtain information about the debt i owe i have to pay 1 . This is the same thing XXXX XXXX XXXX, that i recently made a seperate complaint about, tried to do. But i know according to cfpb the information should be free to my disposal. I would like this account resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX ) ** on my credit report, originally from **Synchrony Bank** , with a balance of ** $ XXXX ( originally ** $ XXXX ). Under the **Fair Debt Collection Practices Act ( FDCPA 809 ) ** and **Fair Credit Reporting Act ( FCRA 609 & 611 ) **, I request verification, including proof of debt ownership, a signed agreement, a balance breakdown, and legal collection rights. 

Additionally, XXXX XXXX XXXX XXXX me in court without providing proper notice**, resulting in a **default judgment** against me. I was unaware of the lawsuit and was not given the opportunity to defend myself, violating my due process rights under the **Fair Debt Collection Practices Act ( FDCPA 807 ( 2 ) ( A ) ) ** and **Federal Rules of Civil Procedure Rule 4** ( requiring proper service of legal documents ). 

I request an investigation into this matter and a full validation of the debt, including court records of service and notification. If XXXX XXXX can not provide verifiable proof within **30 days**, I request removal of this collection from my credit report per **FCRA 611**. Additionally, I request a review of the default judgment due to improper legal notice.

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 2025-02-18 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: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I have emailed their support group multiple times the check numbers for payments mailed and they literally never get back to me. This company is an absolute disgrace and should be disbanded. They are in the business of ruining your credit instead of working with you. They delay processes and provide XXXX solutions emails sent in XXXX, XXXX, XXXX and XXXX all unanswered and ignored. Their previous responses are false as they provide XXXX proof of any emails back or checking their XXXX XXXX for payments sent. It is disgusting. My address sorted for junk and internal all show me talking to myself.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i requested that my personal information be updated and called as well with progress i was told i couldn't update my address over the phone 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I need to gain access to the free Transunion site to update my contact information and also release a credit freeze. Over 5 days, from XX/XX/year>- XX/XX/year>, I first attempted to access the website and then called their customer service number for assistance. 

In the 1st call, after sitting on hold for over 30 minutes, I was told that they updated my email address and that I would receive an email with further instructions from them. I did not receive a follow up email.

In the 2nd call, I sat on hold for 10-15 minutes, an auto-attendant then announced that they were closed for the day, and I was disconnected.

In the 3rd call, I sat on hold for over 30 minutes, was told that my email was already updated, and that I would not be able to access the website for another 48 hours due to maintenance. I was told that they were not allowed to correct my phone number. After much perseverance, they unlocked my freeze. However, I still can not access the website to verify correct updates and perform other tasks. I escalated to a supervisor who put me on hold and then disconnected.

At this time, I have spent about 2.0 hours to attempt to update my information and gain access to the website to review reports, etc. I am unable to access the information, and Transunion has placed barriers to accomplishing these tasks at every step of the way.

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 2025-02-18 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: DE

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXX/XX/XXXXXXXX

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