vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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, collections, and hard inquiries 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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
When I completed my XXXX XXXX I had {$16000.00} in debt that was forgiven through Teacher Loan Forgiveness back in XX/XX/2015. After that, I took a parent loan to help my son with his education for {$19000.00} ( which was the only thing I owed to the Department of Ed since my loans were forgiven. I started repaying my loan two years after and then XXXX came and it went into forbearance. When the forbearance was listed and I was supposed to start repaying, I received an email suggesting I applied a PFSL loan forgiveness, so I did. That's when the nightmare started, my account was transferred to XXXX and I was finally told that I didn't have enough qualifying payments. I started paying XXXX and I received an email from the Department of Ed stating my loan was going to be discharged under the Borrower 's Defense and fraudulent activity from the XXXX XXXX. At that time, XXXX transferred my loan to XXXX. When I received XXXX XXXX 's bill, it was almost double from what I owed. When I did my research, apparently they consolidated the loan that was forgiven with the parent plus loan that I owed, I have been trying to provide evidence to XXXX XXXX of the loans I've taken ( which are listed in the student aid page ), the teacher loan forgiveness and the discharge and they refuse to take the information from me. They say it needs to come from the Dept of Ed. I call the Dept of Education and they say they don't communicate with services. They sent the discharge notice to the incorrect servicer which is XXXX ( my original servicer ) I have almost 35k on my credit report that don't belong to me, evidence of their mistake and no one to help me. Hopefully I can get some help through you,

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 2025-03-19 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: EQUIFAX, INC.
State: PR

Complaint narrative:
When I completed my XXXX XXXX I had {$16000.00} in debt that was forgiven through Teacher Loan Forgiveness back in XX/XX/2015. After that, I took a parent loan to help my son with his education for {$19000.00} ( which was the only thing I owed to the Department of Ed since my loans were forgiven. I started repaying my loan two years after and then XXXX came and it went into forbearance. When the forbearance was listed and I was supposed to start repaying, I received an email suggesting I applied a PFSL loan forgiveness, so I did. That's when the nightmare started, my account was transferred to XXXX and I was finally told that I didn't have enough qualifying payments. I started paying XXXX and I received an email from the Department of Ed stating my loan was going to be discharged under the Borrower 's Defense and fraudulent activity from the XXXX XXXX. At that time, XXXX transferred my loan to XXXX. When I received XXXX XXXX 's bill, it was almost double from what I owed. When I did my research, apparently they consolidated the loan that was forgiven with the parent plus loan that I owed, I have been trying to provide evidence to XXXX XXXX of the loans I've taken ( which are listed in the student aid page ), the teacher loan forgiveness and the discharge and they refuse to take the information from me. They say it needs to come from the Dept of Ed. I call the Dept of Education and they say they don't communicate with services. They sent the discharge notice to the incorrect servicer which is XXXX ( my original servicer ) I have almost 35k on my credit report that don't belong to me, evidence of their mistake and no one to help me. Hopefully I can get some help through you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: PR

Complaint narrative:
When I completed my XXXX XXXX I had {$16000.00} in debt that was forgiven through Teacher Loan Forgiveness back in XX/XX/2015. After that, I took a parent loan to help my son with his education for {$19000.00} ( which was the only thing I owed to the Department of Ed since my loans were forgiven. I started repaying my loan two years after and then XXXX came and it went into forbearance. When the forbearance was listed and I was supposed to start repaying, I received an email suggesting I applied a PFSL loan forgiveness, so I did. That's when the nightmare started, my account was transferred to XXXX and I was finally told that I didn't have enough qualifying payments. I started paying XXXX and I received an email from the Department of Ed stating my loan was going to be discharged under the Borrower 's Defense and fraudulent activity from the XXXX XXXX. At that time, XXXX transferred my loan to XXXX. When I received XXXX XXXX 's bill, it was almost double from what I owed. When I did my research, apparently they consolidated the loan that was forgiven with the parent plus loan that I owed, I have been trying to provide evidence to XXXX XXXX of the loans I've taken ( which are listed in the student aid page ), the teacher loan forgiveness and the discharge and they refuse to take the information from me. They say it needs to come from the Dept of Ed. I call the Dept of Education and they say they don't communicate with services. They sent the discharge notice to the incorrect servicer which is XXXX ( my original servicer ) I have almost 35k on my credit report that don't belong to me, evidence of their mistake and no one to help me. Hopefully I can get some help through you,

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 2025-03-19 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I was informed about a debt on XX/XX/XXXX from XXXX via representation with Penn Credit. I disputed a collection account since I had moved from the property in XX/XX/XXXX with Penn Credit in writing in XX/XX/XXXX, but they never responded to my dispute. Despite this, in XX/XX/XXXX, a collection agency reported the debt to the Credit Berauo without validating it or notifying me of the end result of the dispute. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The debt collector failed to investigate within the required 30-day period, and the collection agency did not provide proof before reporting the debt. I am requesting an immediate removal of this inaccurate collection account and an investigation into both the credit bureau and the collection agency for violating federal laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Under FCRA 605B ( 15 USC 1681c-2 ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the Equifax data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within four ( 4 ) business days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

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. 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 EXXXX 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 2025-03-19 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  ON XXXX  XX/XX/2025 TransUnion.

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 2025-03-19 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: CA

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 2025-03-19 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:
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 non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I recently found errors on my report that are unfairly damaging my scores and preventing me from securing financial opportunities. Its incredibly frustrating to deal with setbacks caused by mistakes that are not mine.

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 2025-03-19 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: MO

Complaint narrative:
Dear Credit Bureau, I recently noticed that there recorded on my credit report that there were late payments on the following XXXX XXXX account numbers : XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 1681B permissible purpose of a consumer report the law clearly states in general subject to subsection C. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( No. 2 ) In accordance with the written instruction of the consumer to whom it relates. Did I give written instructions for this to be on my credit report? No, I didnt give permission for this to be on my credit report.

Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ). Exclusions from a consumer report clearly states : ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term consumer report does not include : Subject to section 1681 ( S ) 3 of this title any : - Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete this late payment and these accounts from my credit report immediately. This agency is in clear violation of 15 USC 1681. Failure to respond gives me the legal right to take legal action against your company as you are in clear violation of the law. And the law clearly states that under civil liability based on 15 USC 1681N that I can and will seek a {$1000.00} per violation if the matter is addressed based on my requests.

If you fail to delete the late payments and update the account to pay as agreed and delete these accounts from my credit report then I will be forced to file a lawsuit against your company and seek a {$1000.00} compensation for each violation.

The violations that I will seek compensation for or as follows : - Defamation of character ( Pr Se ) Negligent enablement of identity fraud Fair Debt Collections Practice Act Fair Credit Reporting Act -violation for willful non -compliance.

It is my hope that we can resolve this matter amicably and that I won't have to take the matter to court so as to get you to abide by federal consumer laws. Kindly inform me in writing when the adjustments that I have requested have been carried out. 
Thanks in Advance Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: MO

Complaint narrative:
Dear Credit Bureau, I recently noticed that there recorded on my credit report that there were late payments on the following XXXX XXXX account numbers : XXXX XXXX number XXXX XXXX XXXX XXXX XXXX. 
Your company is in clear violation of the law. Under 15 USC 1681B permissible purpose of a consumer report the law clearly states in general subject to subsection C. Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( No. 2 ) In accordance with the written instruction of the consumer to whom it relates. Did I give written instructions for this to be on my credit report? No, I didnt give permission for this to be on my credit report.

Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ). Exclusions from a consumer report clearly states : ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term consumer report does not include : Subject to section 1681 ( S ) 3 of this title any : - Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete this late payment and these accounts from my credit report immediately. This agency is in clear violation of 15 USC 1681. Failure to respond gives me the legal right to take legal action against your company as you are in clear violation of the law. And the law clearly states that under civil liability based on 15 USC 1681N that I can and will seek a {$1000.00} per violation if the matter is addressed based on my requests.

If you fail to delete the late payments and update the account to pay as agreed and delete these accounts from my credit report then I will be forced to file a lawsuit against your company and seek a {$1000.00} compensation for each violation.

The violations that I will seek compensation for or as follows : - Defamation of character ( Pr Se ) Negligent enablement of identity fraud Fair Debt Collections Practice Act Fair Credit Reporting Act -violation for willful non -compliance.

It is my hope that we can resolve this matter amicably and that I won't have to take the matter to court so as to get you to abide by federal consumer laws. Kindly inform me in writing when the adjustments that I have requested have been carried out. 
Thanks in Advance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation