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

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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

Complaint narrative:
DEBT COLLECTORS CONTACTED ME AND I CONTACTED THEM, THEY HAVE INCORRECT INFORMATION EITHER THE ACCOUNTS ARE FRAUD OR THE ACCOUNTS BELONG TO A PERSON WITH SIMILAR NAME.

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

Complaint narrative:
I am writing to dispute inaccurate personal information on my credit report under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ). Upon review, I noticed incorrect details associated with my profile, including : Incorrect Address These inaccuracies are not a reflection of my correct identity and should be deleted or corrected immediately. I have attached copies of my identification and supporting documents to verify my correct information.

Please update my credit file and provide written confirmation of the corrections. If this information can not be verified, it must be removed from my report as required law.

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 2025-02-02 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: NE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-02-03 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXXXXXX XXXX  and synchrony bank allowed individual ( s ) # to open an account ( s ) without providing authentic identification documents proving that this debt is issued to the correct person ( s ).

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 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
XXXX XXXX XX/XX/year> Mariner Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone : ( XXXX ) XXXX Subject : Formal Request for 1099-C Form for Account # XXXX To Whom It May Concern, I am writing to formally request the issuance of a 1099-C ( Cancellation of Debt ) form for XXXX XXXX regarding account number XXXX XXXX This request is made pursuant to my rights under federal law, specifically **15 U.S. Code 1681s-2** and **15 U.S. Code 1692g**, which govern the responsibilities of creditors and debt collectors to provide accurate and timely information to consumers.

As you are aware, the Internal Revenue Service ( IRS ) requires creditors to issue a 1099-C form when a debt of {$600.00} or more is canceled, forgiven, or discharged. Failure to comply with this requirement constitutes a violation of federal law and may result in penalties.

I have made multiple attempts to resolve this matter amicably, but my requests have been ignored or inadequately addressed. This is unacceptable, and I must insist that you provide the 1099-C form for the referenced account immediately.

Please consider this letter a final notice before I escalate this matter. If I do not receive the requested 1099-C form within **30 days** of this letter, I will have no choice but to pursue all available legal remedies, including filing a complaint with the IRS, and pursuing civil action for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I expect your prompt attention to this matter. You may send the 1099-C form to the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian was notified of fraudulent activity on my credit report as well as incorrect information being reported. In the initial notification I sent a copy of my driver 's license, social security number as well as proof of address. Experian sent a request for additional information which was provided. Experian has yet to provide the methods they used to validate the information being reported by their agency.

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 2025-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
Between XX/XX/XXXX and XXXX my credit card with SoFI was charged {$2900.00} across 29 different transactions all at different XXXX locations in the XXXX and XXXX. All of these charges were fraud and clearly the sign of a sophisticated scammer drawing each charge under {$100.00} so activity wouldn't be noticed. 

The timing of this was extremely bad. I was traveling for work the day of the first transaction and in the process of closing on a house and moving that week, resulting in me not noticing the activity until the card was maxed out. 

I submitted a dispute claim on XX/XX/XXXX when I noticed the activity and started the process. I wasn't able to provide my supporting evidence to the fraud, unfortunately. With my case ( XXXX ) Sofi did not reach out to me and as it stands, has broken the terms of agreed upon cardholder agreement. 

Attached is clear proof of transactions by location proving it is impossible for me to have made this transactions. I also give clear explanation for the timing of this dispute.

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

Complaint narrative:
I am filling a Complaint against cash app ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Customer 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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit Collection Service has not provided me proper debt validation for this alleged debt. I requested the original contract with Credit Collection Service with my signature, I also requested my payment history with a proof of debt assignment. They have not provided any of this information. Please delete this from my account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. Section 602 ( a ) affirms my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.

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 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: OK

Complaint narrative:
I do not believe this debt is valid. Asking for forward flow agreement and chain of assignment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
To provide some context about my complaint and dispute, during the years 2006 to the present, I have been seeking assistance to resolve this matter accordingly due to the following ; 1. Misrepresentation by School Advisors : During my time at Florida XXXX XXXX, XXXX received guidance from the school 's financial aid office that was misleading and inaccurate about receiving the Federal Student Assistance Grant and the Federal Family Education Loan Program XXXX I was told that certain steps or actions related to my loan repayment and forgiveness programs were either not necessary or would be handled on my behalf. Based on this advice, I proceeded without fully understanding the long-term consequences or required actions to stay compliant with repayment and forgiveness guidelines. 
XXXX. Errors by XXXX XXXX XXXX : I experienced repeated errors from my previous loan service provider XXXX. These errors included incorrect reporting of my repayment status, failure to provide accurate loan documentation, garnishing my wages, and a lack of communication regarding changes to my loan status. These actions contributed to my inability to manage my loan effectively and caused significant confusion regarding repayment obligations. 
XXXX. Lack of Proof and Documentation : I have requested specific documentation on numerous occasions, including details about the loans terms, repayment status, and eligibility for loan forgiveness, but have received either insufficient or no documentation at all. The lack of clarity and missing paperwork has left me without the necessary resources to properly track and manage my loan repayment. 
Given these circumstances, I believe I qualify for a loan discharge under the grounds of borrower defense to repayment. I have no diploma access and no transcript access due to the closure of the school. The combination of misleading advice, loan servicing errors, and inadequate documentation has caused undue hardship and left me unable to manage my loan properly. In addition, I do ask that you have the disputed account and remarks removed from my credit report profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally dispute a fraudulent collection account that has been unlawfully reported to my credit reports by National Credit Systems on behalf of XXXXXXXX XXXX XXXXXXXX XXXX. I applied for an apartment on XX/XX/year>, got denied a few days later, and the fraudulent charge was placed in collection on XX/XX/year>. This collection account is entirely inaccurate, as I have never owed the debt in question. Additionally, National Credit Systems has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in their attempts to collect this illegitimate debt. 

Violation of My Consumer Rights : 1. Illegal Contact by National Credit Systems -National Credit Systems unlawfully contacted me by phone regarding this disputed debt.

-I formally requested a Cease and Desist letter from them, which they failed to provide, violating my rights under 15 U.S.C. 1692c ( c ) of the FDCPA.

2. False and Misleading Reporting of Debt XXXXXXXX XXXX XXXX  XXXX falsely reported an unpaid application fee as a debt in collection. 
-Common sense dictates that my application results ( whether approved or denied ) could not have been processed if my application fee had not been successfully paid. 
-I have documented proof, including email correspondence, confirming that my payment for the application fee was successfully processed and that I later received a denial decision. 
-Reporting inaccurate financial information to credit bureaus violates 15 U.S.C . 1681s-2 ( a ) ( 1 ) of the FCRA, which requires furnishers of information to provide only accurate and complete data.

3. Damage to My Credit, Financial Harm, and my background and tenant screening reports -Due to this false and illegitimate collection account, my credit score has been significantly impacted across all three major credit bureaus ( XXXX, XXXX XXXX and XXXX XXXX. 
-I have suffered financial hardship, including higher interest rates and difficulty securing housing due to this inaccurate and defamatory report. 
-Under 15 U.S.C . 1681n and 15 U.S.C. 1681o, I am entitled to damages, reimbursement, and compensation for the harm caused by these violations. 


This account in violation on my credit report is : National Credit Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Nothing was taken action by the company when I filed an dispute

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 2025-02-02 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 requested the method of verification ( MOV ) for multiple disputed accounts and unauthorized inquiries that Experian failed to properly investigate. Specifically, I asked for the name and contact details of the furnishers they contacted, as well as the documents used to verify the disputed information. Additionally, I requested the immediate removal of any unverifiable or inaccurate data, along with a written confirmation of all deletions and an updated credit report reflecting these changes. ''

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 2025-02-03 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any 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 non-monetary relief
Consumer complaint received 2025-02-02 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any 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