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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX  XXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXXXXXX  ]. This reporting is incorrect and has negatively impacted my credit score. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I previously disputed this account with Equifax, XXXXransUnion, and XXXX, as it does not belong to me. Following my dispute, XXXX deleted the account from my credit report, acknowledging that it was not mine. However, Equifax and TransUnion claimed to have verified the account as mine but failed to provide any proof to substantiate their findings. 

I am not liable for this debt of {$6100.00} with XXXX XXXX XXXX XXXX XXXX Account # XXXX. I do not have a contract with XXXX XXXX XXXX  XXXX , and they have not provided me with the original contract, as I requested, including my wet signature and ID verification. 

I request that Equifax and TransUnion conduct a thorough reinvestigation and provide documented evidence supporting their verification. If such evidence can not be provided, I demand the immediate removal of this account from my credit file.

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I recently discovered that unauthorized access was granted to my confidential student loan information, including sensitive personal and financial data that is protected under the Family Educational Rights and Privacy Act ( FERPA ).

As you are aware, FERPA ( XXXX XXXX. XXXX ; XXXX CFR Part XXXX ) establishes strict requirements for maintaining the confidentiality of student education records, including financial aid and student loan information. This unauthorized access constitutes a clear violation of FERPA 's protections and the Department 's legal obligation to safeguard students ' private information. 
The breach has exposed my : - Personal identification information - Financial records - Student loan details- Other confidential data protected under FERPA Given the serious nature of this privacy breach and the potential for misuse of my compromised personal information, I formally request that the Department : XXXX. Conduct a thorough investigation into how this unauthorized access occurred XXXX. Provide me with a detailed accounting of exactly what information was exposed XXXX. Take immediate corrective action to prevent future unauthorized access XXXX. Cancel and discharge my student loan debt as remedy for this significant violation of federal privacy law I request a written response within XXXX  days detailing the steps you will take to address this serious matter. Please include information about any additional measures being implemented to protect student privacy and prevent future breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I purchased XXXX ( XXXX ) XXXX  and attempted to transfer it to my cold wallet. However, my withdrawal was restricted without a clear explanation. 

I immediately complied with all requests from XXXX, including submitting my bank statement, proof of funds, and ID verification on XX/XX/year>. Despite multiple follow-ups ( XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ), I have not received a clear response or timeline regarding the resolution of this restriction. 

On XX/XX/XXXX, XXXX  responded that they were still working on removing the restriction but provided no concrete timeline. On XX/XX/XXXX, I informed XXXX  that if my issue were not resolved within XXXX business days, I would escalate the matter to CFPB. However, they have not provided any resolution or response to me. 

I request an immediate removal of the transfer restriction and a clear explanation for the prolonged hold on my funds.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details

Company response to consumer: Closed with explanation
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 violates the Consumer Financial Protection Act ( XXXX ). 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 and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX  ) and XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: Sunbit, Inc.
State: TX

Complaint narrative:
This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account XXXX XXXXsunbit This account is listed as a collection/charged off account on my credit report but I have not recieved a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly.

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing a paid collection account with Credence Resource Management that remains on my credit report. Despite multiple goodwill requests, they refuse to remove the account. 

Under the Fair Credit Reporting Act ( FCRA ), I requested that they provide proper verification of the debt and their legal authority to continue reporting it. They have failed to do so.

Issues with the Reporting : The account is fully paid, yet it is still harming my credit score.

I requested debt verification under FCRA, and they have not provided proper documentation.

Credence Resource Management claims they can not remove the account, but under FCRA, deletion is possible if the information is not fully verifiable.

Requested Resolution : I request that Credence Resource Management remove this account from my credit report immediately or provide a full explanation of their refusal with legal justification.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing this complaint against Equifax for failing to delete false and inaccurate information from my credit report. I disputed accounts that does not belong to me, an incorrect late payment, a fraudulent collection and provided supporting documentation proving the information is incorrect. Incorrect names and addresses. Despite this, Equifax has failed to remove the inaccurate data and continues to report it, negatively affecting my credit score.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My infornation was affected by the equifax below is a copy of the information

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My infornation was affected by the equifax below is a copy of the information

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: 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully. 
Violations of Federal Laws XXXX. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards. 
XXXX. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information. 
o If you obtained or shared my information without this consent, you are in violation of this statute. 
XXXX. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties. 
XXXX. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability. 
XXXX. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages. 
XXXX. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law. 
XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not recognize these credit inquiries and the credit bureaus did not remove them. They did not provide me with any information. I am providing an identity theft report so they can be removed because they are inaccurate and 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: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX, a debt buyer, recently opened a charged-off account that had been closed for over two years. This report has created financial hardship for me, making it difficult to secure new employment due to its impact on my credit report.

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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally file a complaint against Early Warning Consumer Services for their failure to provide the file disclosure I requested in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable California consumer protection laws. 

Background and Timeline : XX/XX/XXXX : I received an email from Early Warning Consumer Services outlining the steps required to verify my identity and request a file disclosure. The email included instructions for submitting a copy of my drivers license. 
XX/XX/XXXX ( Later that day ) : I promptly responded to their email and attached the requested identification. 
XX/XX/XXXX : Having not received any further communication or the requested report, I sent a follow-up email inquiring about the status of my request. 
Subsequent Follow-Up : Despite my follow-up, I have not received any additional information, documentation, or clarification regarding my file disclosure request. 

Nature of the Complaint : I believe that Early Warning Consumer Services has violated my rights under the FCRA by failing to provide the requested file disclosure within a reasonable timeframe. This lack of response not only impedes my ability to review the information maintained about me but also potentially impacts my credit and financial well-being. As a consumer, I expect prompt and clear communication, as well as adherence to the legal obligations imposed on consumer reporting agencies and related entities. 

Impact on Me : This delay has caused significant frustration and uncertainty regarding my personal data and its usage. I am concerned that this lack of compliance may adversely affect my ability to dispute inaccuracies or resolve any potential errors in my consumer file, which could have further consequences on my credit standing.

Relief Sought : I respectfully request that the CFPB investigate this matter and take any necessary actions to ensure that Early Warning Consumer Services complies with the FCRA and other applicable consumer protection laws. Specifically, I ask for : A prompt review of my file disclosure request and an explanation for the delay.

Assurance that all future communications and disclosures will be handled in compliance with legal standards.

Guidance on any additional steps I might take to protect my consumer rights in this matter.

I have attached copies of the correspondence exchanged with Early Warning Consumer Services for your reference. I appreciate your prompt attention to this matter and look forward to your 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute an account reported by XXXX XXXX XXXX on my credit report. As the Trustee of the trust associated with this account, I have no recollection of entering into any contract or agreement with this debt collector. 

I am demanding the immediate removal of this account from my credit report, as XXXX XXXX XXXX has failed to provide essential documentation that would substantiate the validity of this account. Specifically, they have not been able to provide any of the following : Copies of any contracts, agreements, or instruments related to the choice in action. 
Detailed records of any transactions, exchanges, or transfers involving the chosen action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the choice in activities, including court filings, judgments, and settlements. 
Correspondence and communications relating to the choice in action. 
Any other documents or records that would provide insights into the nature, ownership, or status of the action. 
Without the proper documentation to substantiate this debt and prove the legitimacy of their claim, I am requesting the removal of this account from my credit report. The companys failure to provide this basic information underscores the invalidity of this debt and should serve as the basis for its removal. 

The account details are as follows : Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Type : Collection Account Condition : Collection Date Opened : XX/XX/XXXX Account Balance : {$1100.00} Last Reported : XXXX  Amount Past Due : {$1100.00} Remarks : Account information disputed by consumer under the Fair Credit Reporting Act

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