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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( s ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a XXXX balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( XXXX ) : Transferred from XXXX to XXXX XXXX XXXX of XXXX Credit Bureau XXXX XXXX XXXX Reporting the Inaccurate Information : [ XXXX, Experian XXXX XXXX ] Incorrect XXXX Reported : {$59000.00} ( also the XXXX only shows XXXX of XXXX XXXX XXXX {$45.00}, XXXX which is in contrast to the balances that Experian and XXXX show as due by the XXXX XXXX XXXX XXXX XXXX XXXX : the servicer XXXX has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : XXXXnder Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected.

This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged. 
Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
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 2025-02-02 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( s ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a zero balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( XXXX ) : Transferred from XXXX to XXXX XXXX XXXX of XXXX Credit Bureau XXXX XXXX XXXX Reporting the Inaccurate Information : [ XXXX, XXXX XXXX TransUnion ] Incorrect XXXX Reported : {$59000.00} ( also the XXXX only shows XXXX of XXXX XXXX XXXX {$45.00}, XXXX which is in contrast to the balances that XXXX and TransUnion show as due by the XXXX XXXX XXXX  XXXX Correct Balance : the servicer XXXX has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected.

This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged.

Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Reporting on Student Loan Balances Dear Sir/Madam, I am writing to formally dispute inaccurate information that has been reported by [ Student Loan Servicer Name ( XXXX ) ] to the credit bureaus regarding my student loan balances. Although my student loans have a XXXX balance, my credit report still reflects a balance. I request your assistance in ensuring that the credit bureaus update my report to accurately reflect my loan status. 
Below is a summary of the issue : Loan Servicer ( XXXX ) : Transferred from XXXX to XXXX XXXX XXXX of XXXX Credit Bureau ( s ) Reporting the Inaccurate Information : [ Equifax, XXXX XXXX XXXX ] Incorrect Balance Reported : {$59000.00} ( also the Equifax only shows XXXXXXXX XXXX  XXXX XXXX XXXX {$45.00}, XXXX which is in contrast to the balances that XXXX and XXXX show as due by the XXXX XXXX XXXX XXXX Correct Balance : the servicer XXXX has been fully paid and their balance is {$0.00} The continued reporting of a balance on my student loans violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Specifically, the law requires that : Under Section 609 of the FCRA ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate or incomplete information in my credit report.

Under Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ), creditors and data furnishers ( including student loan servicers ) are required to report accurate information to credit reporting agencies. If the information reported is inaccurate or incomplete, the creditor or servicer must correct it.

Under Section 605 of the FCRA ( 15 U.S.C. 1681c ), outdated or inaccurate information that is no longer relevant should be removed or corrected.

This inaccurate reporting is affecting my credit score, and I respectfully request that the CFPB investigate this issue and require the reporting agencies to update my credit file to reflect the correct information. I also request that the servicer provide me with documentation confirming that my loans have been paid in full or discharged.

Please let me know if you require any additional information from me to facilitate your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I received a debit card in the mail from CashApp in XX/XX/XXXX. I do not have a CashApp account, so I called their customer support line, spoke with them to close the account and was successful. I asked what information was required to open an account as the card was mailed to my home address, and was told very little information is needed. A few weeks later in XX/XX/XXXX, I received another CashApp debit card, which I also did not open. I called their support again to close the new account. In XX/XX/XXXX, I received in the mail XXXX XXXX forms from Block Inc. with CashApp 's support web address. XXXX XXXX indicated {$2300.00} with XXXX transactions from XXXX to XX/XX/XXXX. The second XXXX indicated {$4100.00} from XXXX transactions in XX/XX/XXXX. I contacted CashApp support on XX/XX/XXXX, reconfirmed that the XXXX debit accounts had been closed and asked for a corrected XXXX as I did not make any transactions through CashApp in XXXX. They could not assist with this. They stated they do not provide tax advice, which I was not asking for. I was asking for assistance to correct this accounting error and identity theft issue that resulted in these XXXX being sent and when attempting to escalate the issue, they sent me a link to create a ticket with their tax department and ended my support call. The ticket system requires an active CashApp account in order to create a ticket. Since these accounts were not created by me, I do not have the ability to create a ticket. Their support does not extend to those affected by identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
A Auto Loan Was Taken Out, Without My Consent An Permission An I want know how was this even possible an wouldnt the person have to be present to do so because its showing on my credit I owe {$20000.00} To Credit ACPT When I Never Took Out A AutoLoan An it Is Preventing Me To move Forward In life

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect hard inquiries XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX collections XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX1This account have also been removed from my credit report and then reappeared a few weeks later. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} The XXXX XXXX XXXX formerly XXXX XX/XX/XXXX {$170.00} Incorrect address XXXX XXXX XXXX XXXX, NY XXXX Incorrect employer 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 2025-02-02 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: 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. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: MN

Complaint narrative:
I cancelled my gym membership with Anytime Fitness at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) via a direct email to the gym management. The XXXX stated I needed to cancel online. My account was fully up to date. When I attempted to cancel, I continued getting errors and was unable to cancel. I informed XXXX XXXX XXXX of this and they disregarded my email and continued charging me for months without my knowledge. 

Moving forward, their company XXXX XXXX XXXX was incredibly unhelpful. I disputed the amount owed and told me to pay on their website or via their customer service. The website had not way to pay, and Customer Service continue to direct me to an automated system that failed in dozens of attempts. They would not accept a check mailed to them and said the only way I could pay was in person at their club, which was an impossibility for me to get back to the club. I gave many good faith attempts to pay which were ignored. At that point, I did not hear back from XXXX XXXX for many months until I applied for a home mortgage loan. 

To my surprise, my lender informed me that I had a debt collection on my credit report from XXXX XXXX and XXXX XXXX on behalf of Anytime Fitness and XXXX XXXX XXXX XXXX XXXX XXXX XXXX not properly notified me of the debt and said on the phone " you should have checked your junk/spam folder. '' I had not been called or received proper notice via XXXX -- it was a shock to see it on there as they had made no attempts to reach me. Multiple attempts to XXXX XXXX and XXXX XXXX have proved unsuccessful. They will not respond to emails or give any answers on the phone.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX ( XXXX ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Both entities have failed to comply with federal laws by reporting inaccurate information, failing to investigate disputes, and not responding to debt validation requests within the required timeframe. 

Details of the Complaint XXXX. Failure to Investigate Credit Dispute ( FCRA 611 ( a ) ) On XX/XX/year>, I formally disputed the validity of an account reported by XXXX XXXX XXXX on my Experian credit report. 

Experian and XXXX failed to provide verification or remove the disputed account within the XXXX timeframe mandated under FCRA 611 ( a ).

2. Inaccurate Reporting of Debt ( FCRA 623 ( a ) ( XXXX ) ) XXXX failed to notify Experian that the account is disputed, violating FCRA 623 ( a ) ( 3 ).

Despite the dispute, Experian continued reporting the account without proper verification.

3. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) My request for debt validation was sent to XXXX XXXX XXXX ( Tracking # XXXX ) and Experian ( Tracking # XXXX ) on XX/XX/year>. 

XXXX did not respond within the 30-day required timeframe, violating FDCPA 809 ( b ).

4. Pattern of Non-Compliance by Experian The CFPBs previous complaint against Experian highlights a pattern of failing to correct inaccuracies and investigate disputes properly.

My case mirrors the past CFPB complaint findings, reinforcing that Experian continues to ignore dispute resolution responsibilities.

Experian 's systemic issues with dispute handling and data accuracy warrant further investigation and criminal liabilities.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 15 USC 1681. 
Account name ; XXXX XXXX XXXX Account number ; XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 incorrect

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
12 CFR Part 1022 [ XXXX XXXX. XXXX ] RIN XXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) AGENCY : Consumer Financial Protection Bureau XXXX 
ACTION : Final rule. 
SUMMARY : The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
12 CFR Part 1022 [ XXXX XXXX. XXXX ] RIN XXXX Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information ( Regulation V ) AGENCY : Consumer Financial Protection Bureau XXXX 
ACTION : Final rule. 
SUMMARY : The Consumer Financial Protection Bureau ( CFPB ) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act ( FCRA ), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.

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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing to formally request that you cease all collection efforts regarding the account referenced above. This is a Cease and Desist Letter under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, which prohibits debt collectors from continuing to contact a consumer once a Cease and Desist request has been made.

I request that you immediately stop all communication with me regarding this account, including : All phone calls, letters, or other forms of communication.

Any further collection efforts, including reporting this debt to credit bureaus, unless you intend to file a lawsuit ( which, if pursued, must be done through the proper legal channels ). 
Please note the following : Account Details : XXXX I dispute this debt and believe that it is either invalid or incorrectly reported. I have previously disputed this debt with the credit bureaus and will continue to take the necessary steps to ensure that my credit report is accurate. 

If you believe I owe this debt, I request that you prove it with valid documentation. Under the FDCPA, you are required to provide verification of the debt if requested, and I expect this verification before any further actions are taken. 

If you fail to comply with this request, I will be forced to consider further actions, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Additionally, I reserve the right to pursue legal action if your continued collection efforts violate my rights. 

Thank you for your prompt attention to this matter. I expect a written response confirming that all collection efforts have ceased. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief