vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: FL

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 XXXX USC XXXX. 

XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

I looked at my TRANSUNION Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair crediting reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

According to XXXX USC XXXXi 5 they are supposed to do this treatment of inaccurate or unverifiable information. 

After any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

XXXX USC XXXX states that they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have any reason to believe that the information is inaccurate. 

Last but not least, according to XXXX USC XXXX they also violated my rights for unlawful communication.

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 2025-02-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-11 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-11 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lengenuity LLC
State: GA

Complaint narrative:
The company Lengenuity will not report my monthly payment that I make on time or with in 30 days or the account balance. They only reported late or miss payments that is really affecting my credit score by them leaving my account in that status. They are charging me XXXX XXXX interest it very hard for me to refinance with another company by them leaving my credit status like this! .... please assist me with this matter. 

Company name : XXXX  Lengenuity LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-02-11 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NC

Complaint narrative:
My student loans are paid off ; however, Mohela has reported 3 accounts on my credit report with balances. This needs to be reported as closed or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Ive been experiencing some difficulties of getting mortgage payments credited to my Select Portfolio Servicing Account. This has been going on since last year of XX/XX/XXXX ; because XXXX XXXX XXXX XXXX  wasnt honoring the payments and stating the account number is wrong ; as I attempted to pay SPS. I decided to switch my checking account back to XXXX XXXX XXXX but each time I would place a payment to SPS they would respond and say they dont have the payment. I spoke to several representatives on different occasions about the matter. I had to get XXXX XXXX Bank to track the funds, so I could resubmit the payment to SPS. I had a representative from SPS told me that XXXX XXXX cant help me. I continue to experience issues with getting payments credited. I decided to send the payments through XXXX XXXX. 
I spoke to XXXX ( SPS Representative ) on XX/XX/XXXX about my payments being credited but she stated that I had a payment missing/ reversed on XX/XX/XXXX. 
I spoke with XXXX XXXX XXXX SPS Representative ) and she said I had a reversal payment on XX/XX/XXXX. 
I have my receipts from XXXX XXXX, but continue to have problems with my SPS account. A XXXX XXXX Representative told me that my problem is with the mortgage company Select Portfolio Servicing. SPS keeps crediting and reversing my payments. Can you assist me with this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: DSR HOLDINGS GROUP, LLC
State: AL

Complaint narrative:
This company sent messages to a family friend stating that they were looking for my location. They did not disclose who they were and implied that they were looking for me due to a misunderstanding..the family friend reached out to my family and friends and immediately contacted law enforcement because of the verbiage this company used insisting that my location is unknown and need to be know due to a misunderstanding. This in turn sparked my family into a frenzy thinking I was missing while Im at work not answering the phone. This cause so much chaos in a matter of minutes and we had to get the police involved due to the negligence of this company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: CA

Complaint narrative:
Subject : Response to Request for Damage Disclosure Signature I entered into a lease agreement with Tesla and after taking delivery of my vehicle ( XXXX XXXX XXXX XXXX : XXXX ). Tesla never shared and damage to the vehicle, or provided documents of of damage, however, after taking delivery they stated there was damage to the vehicle. They are requesting that I rescind the contract or sign the damage disclosure, and will not provide any other options due to their lack of transparency and constituing dealer fraud. I have shared with Tesla, that my signature on the Damage Disclosure lacks legal grounds, as the damage in question was not disclosed to me at the time of purchase. 

Furthernmore, this was significant damage where the entire HV battery was replaced prior to delivery and you would think Tesla would've shared that or I woud 've not agreed to take delivery of this vehicle. This omission raises significant concerns regarding Tesla 's compliance with consumer protection laws and their obligation to disclose material facts about the vehicle prior to sale. 

Additionally, the signature request sheet titled Damage Disclosure references not only a previously damaged and repaired item, but also a new " remaining item that requires disclosure. '' This statement is particularly troubling, as it suggests there may be additional undisclosed issues with the vehicle. I request immediate clarification regarding this " remaining item '' and a full explanation of why it was not disclosed at the time of purchase. 

Given that Tesla has not responded to my e-mails or provided any realistic options, I will be escalating to the CFPB and potentially litigating this matter due to dealer fraud. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/year> I have made a transfer in XXXX  to a colleague named XXXX XXXX through his XXXX  Cash app account. The amount that was sent was {$9500.00}. The purpose for sending the funds was to help and pay for school and for rent. I then contacted him to make sure the funds made it. He then received an error from Cash App locking his account. He was given a message stating that his account was under review and that it would take 30 days for him to be able to access the account and the funds. He then told me that he didnt have 30 days and so we contacted cash app through a merged call I spoke to a representative who had to wait until the following Monday and we will receive an email stating what happened. We agreed and called back on Monday and received nothing. We then waited the 30 days and still receive nothing once the 30 days passed, we called them seven times and we were told that the account never existed. And we have no access to the funds nor did the funds ever exist. said one representative. I then decided to track the funds through a XXXX  tracker and saw that cash app did receive the XXXX and distributed it with multiple different Cash App accounts with numerous different amounts. We have been in a constant battle contacting almost 50 representatives that weve spoken to and maybe six have been able to provide information regarding the account but never to the funds. They keep saying the crypto department would reach out, but they never did. They have said theyve made claims and we would hear feedback, but we never do and its been a hassle and very inconvenient and frustrating since we dont know where the money is I was about to take this matter to a lawyer however, I read the article about Cash App committing scams and the lawsuit they are facing with the CFPB , which they indeed scam with us and decided to state my case since they wont communicate I have all the documentation and proof of funds in photos and will be uploading them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Name : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Date of Birth : XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Employers : 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