vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TN

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ), including : Failure to conduct a proper reinvestigation of disputed accounts ( FCRA XXXX ( a ) ( XXXX ) ) Failure to provide the legally required Method of Verification ( MOV ) ( FCRA XXXX ( a ) ( XXXX ) ) Failure to correct and delete inaccurate personal information ( FCRA XXXX & XXXX ) Knowingly reporting false and misleading information ( FCRA XXXX ( a ) ( XXXX ) ( A ) ) On XX/XX/year>, I submitted a formal dispute to TransUnion via the CFPB complaint portal ( Complaint # XXXX ) regarding inaccurate late payment reporting and incorrect personal information on my credit report. 

TransUnions Response : TransUnion sent a generic response, stating that it reviewed my dispute and mailed me the investigation results. However, TransUnion failed to provide the legally required Method of Verification ( MOV ) as required by FCRA XXXX ( a ) ( XXXX ). 

Accounts in Dispute : Despite my dispute, TransUnion continues to report false late payments on the following accounts : XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) No legally required verification was provided. These accounts must be updated to Paid, Never Late or removed entirely. 

Failure to Remove Inaccurate Personal Information : TransUnion refused to remove outdated and incorrect personal information despite my formal request. 

Incorrect Name : " XXXXXXXX XXXX XXXXXXXX '' ( Correct : XXXX XXXX XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX How This Has Harmed Me : Due to TransUnions refusal to comply with federal law, I have suffered severe financial and emotional harm, including : Denial of credit approvals that I was otherwise eligible for. 
Higher interest rates on loans and credit cards. 
Inability to obtain necessary financing for personal and business needs. 
Emotional and financial distress caused by TransUnions negligence. 

Previous Complaints & Supporting Documentation : I have previously submitted complaints regarding these violations : CFPB Complaint # XXXX ( Filed on XX/XX/year> ) FTC Report Number : XXXXXXXX Despite my complaints, TransUnion has failed to correct these violations.

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 2025-02-16 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: TX

Complaint narrative:
I am disputing the reporting of child support on my credit report .Under the fair credit reporting act ( FCRA ), 15 U.S.C XXXX per XXXX XXXX  ( a ), adverse information can not be reported beyond XXXX years unless legally exempt, and all reported data must be accurate and verifiable under XXXX i, if this entry is outdated, inaccurate or unverifiable, i request immediate removal. 
XXXX. Dispute # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX.Dispute # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-02-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX and his employees accessed databases maintained by the Department of Education containing my personal and financial records related to my student loans. These individuals are neither school officials nor authorized representatives, and I did not provide any authorization for such access. 

This unauthorized access constitutes a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and may also violate consumer protection laws governing student loan data security.

Upon learning of this breach, I reached out to Federal Student Aid ( FSA ) to request an investigation and secure my personal records. However, I have not received a satisfactory response regarding how my information was accessed or what steps will be taken to prevent further breaches. Given that student loan servicers and the Department of Education are responsible for protecting borrowers sensitive data, this represents a significant security failure. 

I am filing this complaint with the CFPB because my personal and financial records have been compromised, and I need assurance that my data is secure and that appropriate corrective actions are taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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 Cas 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 2025-02-16 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 2025-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates
State: FL

Complaint narrative:
LJ Ross Associates IN XXXX XXXX MI XXXX XXXX XXXX XXXX XX/XX/year> Cease and Desist Request for Debt Collection Communication To Whom It May Concern, I am writing to formally request that you cease all communications regarding the alleged debt associated with my name, which is being handled by your office. Please take this letter as my formal notice to stop all further contact with me in any form related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request that you refrain from contacting me regarding this matter. As such, I request that all communications cease immediately. This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. 

Please note that this is not an acknowledgment of the debt in question, nor does it imply consent to its validity. I am simply exercising my rights under the law to have no further contact regarding this matter. 

If you continue to contact me in any way after the receipt of this letter, you may be in violation of the Fair Debt Collection Practices Act, and I will consider further legal action. 

Please confirm receipt of this letter in writing and ensure that you have updated your records to reflect this request. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed accounts and inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: SC

Complaint narrative:
I am filing a complaint against TransUnion for improper credit reporting and deceptive practices violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

This agency has reported a collection account originally from XXXX, but they have falsely re-aged the debt to XXXX, making it appear newer. This is a clear violation of FCRA XXXX ( c ), which limits how long negative information can be reported. The agency has misled credit bureaus and lenders by altering the date, negatively impacting my credit score and financial opportunities. 

Additionally, I have not received proper debt validation as required under FDCPA XXXX. When I disputed the inaccurate reporting, the agency failed to correct the false date or provide legitimate documentation proving the correct date of the first delinquency. This deceptive practice constitutes unfair and misleading debt collection tactics under 15 U.S.C. XXXXe. 

I request that the CFPB investigate this agency and require them to : XXXXCorrect the reporting to reflect the accurate date of delinquency. 
XXXXCease deceptive re-aging practices to misrepresent debts. 
XXXXProvide validation of the alleged debt with accurate records. 
XXXXRemove the account from my credit report if they can not verify the correct date. 

I have attached supporting documentation, including credit report entries, prior disputes, and any correspondence showing their failure to comply. This re-aging of debt is a serious violation, and I request immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NV

Complaint narrative:
I have attempted to dispute this false information on my credit report for years. I have repeatedly requested that this company provide validation of the information they are reporting, yet they have failed to do so. Despite their inability to substantiate their claims, they continue to report inaccurate information, causing harm to my credit and financial standing. 

This ongoing failure to correct false reporting is a direct violation of my rights as an American. I have given ample opportunity for this company to provide proof, yet they persist in disregarding my disputes. Their refusal to act in accordance with the law and remove the inaccurate information is unacceptable. 

I demand immediate removal of this false information from my credit report. Failure to do so will leave me no choice but to escalate this matter further.

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 2025-02-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Advantage Credit, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/XXXX Advantage Credit XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, US Subject : Dispute of Unauthorized Hard Inquiry Dear CFPB [ Consumer Financial Protection Bureau ], I am writing to formally dispute a hard inquiry on my credit report that I believe is inaccurate. The inquiry in question was made on XX/XX/XXXX by Advantage Credit, and I have not authorized this inquiry. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is incorrect. According to Section 604 of the FCRA, a credit reporting agency may only report inquiries that are authorized by the consumer. Since this inquiry was not authorized by me, I request that it be investigated and removed from my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed inquiry, along with any supporting documentation. I would appreciate your prompt attention to this matter and request that you inform me of the results of your investigation within 30 days, as required by the law or remove this off my Credit immediately. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I purchased a vehicle on XX/XX/year> and specifically told the dealership they were NOT to run my credit themselves or submit it to any other lenders as I already had a pre approval from XXXX XXXX for XXXX percent interest for 60 months. While waiting at the dealership, I started receiving email alerts that my credit was being pulled by not only the dealership, but by multiple other lenders. When I questioned the finance manager he lied and said I didnt qualify for XXXX percent interest so he submitted it to other lenders. This was a lie, to try and get me to take a loan with an interest rate, so they could make more money. I purchased the car and was approved by XXXX XXXX for XXXX percent interest. This was a direct violation of the FCRA, as I implicitly told them they did not have permission to run my credit themselves or to submit it to any other lender than XXXX XXXX. I was told they would send letters to the credit bureaus to have the inquirys removed, but 3 months later they still remain. I was recently denied credit for the XXXX XXXX with a XXXX FICO score due to the number of recent inquiries. These inquiries all placed by this dealership and the lenders they use, all without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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:
# 1 viewing my credit reporting and for some reason Trans Union feels the need to report a double closure of a single account and it has severely damaged my credit score. XXXX XXXX account XXXX. This account was closed my the lender due to negative items thats been under dispute and willfully report within having valid evidence of accounts, legitimacy. Those accounts were just removed XXXX & XXXX XXXX XXXX collections because theyve been deemed as invalid accounts. 
With the removal of these XXXX negatively reported collection accounts along with the duplicate reporting of the XXXX account closing, my score dropped XXXX points. This action was intentional to inflict damage to my report and not allow for my score to reflect a better standing of consumer activity. 
There has been numerous negligent violation of my consumer rights, this complaint is to documentation for my discrepancies in small claims court. 

# 2 in inaccurately reporting the balances of my cards and credit usage just to keep my credit score on the lower end. 

I have a {$0.00} balance on my XXXX XXXX  account but Trans Union is reporting {$1300.00}. 

For both of my XXXX cards, I have a {$230.00} balance and a {$240.00}, yet Trans Union is that only credit agency that is reporting {$430.00} & {$570.00} as my balances dropping my score by XXXX points

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