vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-09 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, 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 a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2900.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$470.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: GA

Complaint narrative:
I have not been able to access my credit report from Equifax since XXXX of 2024. I can't access it online, I can't access it over the phone, and Equifax has never responded to my request for a report or my disputes. I sent out a letter in XXXX of 2024 and have yet to hear a response. Despite being sent all of the appropriate documents they still refuse my right to free and fair consumer report. 

Equifax refuses to remove inaccurate addresses which is a violation of 15 USC 1681 despite being sent proof of the correct information along with proof. Equifax has bankruptcies on my report that is attached to an address that does not belong to me which again is a violation of 15 USC 1681.

Equifax also has a third party collections account that does not belong to me from XXXX XXXX XXXX. Third party collections violate the following : FCRA 611 ( 15 U.S.C. 1681i ). This section of the FCRA requires that credit bureaus conduct a reasonable investigation into disputed information. As the collection account is inaccurate and unverifiable, I request that it be removed from my credit report immediately. If the furnisher can not provide verification within 30 days, it must be deleted.

FCRA 605 ( 15 U.S.C. 1681c ) ** : According to this section, negative information such as collection accounts must be removed from a credit report. If this collection account is older than the allowed reporting time frame, it should be removed.

FDCPA 807 ( 15 U.S.C. 1692e ) ** : The **Fair Debt Collection Practices Act** prohibits the reporting of false or misleading information by debt collectors. If the account is not verified by the original creditor or if there are inaccuracies, I demand its immediate deletion under this provision.

Unverifiable Debt : If the credit reporting agency and the collection agency can not provide valid documentation and proof of this debt as required by **FCRA 623 ( 15 U.S.C. 1681s-2 ) **, it must be removed from my credit report. Creditors and collectors are legally obligated to report accurate information, and failure to verify the account should result in its deletion.

Equifax also has 3 bankruptcies attached to an address that is not mine reporting. These bankruptcies need to be removed as well. Equifax received their information from public records without checking the accuracy the accounts which I know because the courthouse that is listed does not share information with the credit bureaus as shown in the attachment. These are all violations of 15 USC 1681 and Sections 609 & 623 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have been unable to access my account, file a complaint, or raise concerns about how my information has been handled during key date and times of the cybersecurity attack. On approximately XX/XX/XXXX, the US Department of Education was unlawfully accessed and consumed by XXXX XXXX and his unofficial team. I did not, and at no point now or in the future, consent to any third parties access to my information outside of the US Department of Education. Since the event occurred, any and all access to my account and complaint and concern avenues have been blocked from access. I believe that the events listed have been a violation of the Gramm-Leach-Bailey Act ( GLBA ), the Privacy Act of 1974, Computer Fraud and Abuse Act ( CFAA ), Federal Trade Commission Act ( FTC Act ), and Higher Education Act ( HEA ), Title IV and I want this investigated to the fullest extent of the law. If these laws are confirmed to have been violated, I would like legal action to be taken on any affiliated members or institutions and for them to be persecuted to the full extent of the law, for my consumer protections to be resumed, for any impact of such lawbreaking to be rectified by parties who broke the law, and for any remaining balance of these loans to be canceled and discharged to prevent further damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
the first time I encountered XXXX XXXXXXXX was XXXX XXXX XXXX came to my home said he could replace my garage XXXX and do an XXXX back porch for XXXX. I didnt hear from XXXX XXXX until XXXX XXXX. While waiting to hear from him I attempted to hire someone else with the funding but found that XXXX XXXXXXXX had already got the money. I called synchrony bank because that is who approved the XXXX, I was recieving bills and no work had even been started. When I spoke with them and informed them that i did not authorize payment because the work was complete. At that time they removed that charge from my credit only to turn around and add it back stating because there was not a billing issue that i would have to pay the XXXX. They sent me the information that XXXX XXXXXXXX sent them providing them with a letter stating they completed the work and how nice it looked, so with that Synchrony added that XXXX back to my credit as a closed account stating it was because of non payment but it was in a dispute there should have been no payments due. I feel like this is wrong they totally ruined my credit score and I feel someone needs to be held accountable for the big fraudulent messXXXX XXXX XXXXXXXX and I went back and forth with no resolve other than I got stuck with a bill for XXXX. I do have an unfinished garage I'm not saying I owe nothing but I didnt get a residential garage I got a XXXX barn from XXXX XXXX XXXX You people are suppose to help people like my self who this company defrauded. 
Now they have changed their name and doing rebaths i feel sorry for people unaware of how scandoulous this company is

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 monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
On XX/XX/XXXX Experian blocked me from getting my credit report on their website. They refuse to let me login to their website. This is documented in CFPB Report XXXX. Their response to that is that they need to wait 60 days to investigate. Today, XX/XX/XXXX, I get an email saying Experian has decreased my credit and once again will not let me get a credit report that they are obligated to do by law. How am I suppose to know what my own credit score is? Are they retaliating by decreasing my credit score? Two years ago they decreased my credit score XXXX points over three quarters in retaliation to CFP reports : XXXX, XXXX, XXXX, XXXX. I need my credit report within 5 days not 60.

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 2025-02-09 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX XXXX RESURGENT/LVNV FUNDING XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX Re : Dispute of Account [ XXXX ] To Whom It May Concern, I am writing to dispute the validity of the alleged debt associated with the above-referenced account. Under the provisions of the federal Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby exercise my rights to request that all communication pertaining to this debt be ceased and desisted immediately. 
It has come to my attention that you have been attempting to collect this debt from me, and as per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family members, friends, or my employer concerning this or any other purported debts you claim I owe. 
According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including the amount owed, the original creditor 's name, and any relevant account information. Until proper validation is provided, I dispute the debt in its entirety. 
Moreover, it is essential to bring to your attention the requirements outlined in the Metro 2 Reporting Guidelines, which are mandated by the FCRA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have already reported this debt to any credit bureaus, I demand that you correct any inaccurate information immediately.Failure to comply with my request and the relevant consumer laws within 30 days from the date of receipt of this letter will be considered a violation of my rights under the FDCPA and FCRA. In such an event, I will have no choice but to file a complaint with the Federal Trade Commission and the Attorney General of [ your state here ], outlining your non-compliance. 
Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 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: TX

Complaint narrative:
XXXX XXXX. Social security XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S. CODE S 1681B 15 U.S. CODE S 1681S-1 that you, Equifax, TransUnion, Experiancredit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This have been a on going problem that Ive been trying to get this resolved with multiple complaints made by the CFPB This fraudulent, inaccurate, and false information consists of an account that opened up by ( OFFICE OF ATTORNEY GENERAL acct XXXX XXXX opened XXXX XXXX ) Also with the following closed accounts appearing on my FICO consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraud collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed for my rights within the FCRA and FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries closed accounts as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SUNRISE CREDIT SERVICES, INC
State: AP

Complaint narrative:
Account was sold to Sunrise Credit Services on XX/XX/year>. Without my permission or notification via mail, email, phone call.

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 2025-02-09 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: FL

Complaint narrative:
I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file.

Requested Actions Immediate blocking and removal of the fraudulent account listed above.

Written confirmation of the removal of the fraudulent information.

Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.

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 2025-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Every month I made over the minimum amount payment due and after submitting a {$200.00} payment, the company blocked all access to my card and requested that I continue to pay my monthly payments.

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 2025-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and desceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation