vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
The Company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account to me. I did not received a 1099C for my record. 

XXXX Open account with account # XXXX balance of {$3100.00}. 

XXXX Open account with account # XXXX balance of {$5000.00} XXXXXXXX XXXX Revolving account with account # XXXXand a balance of {$10000.00}. 

XXXX XXXX XXXX XXXXXXXX Credit Card with accounXXXX XXXX XXXXXXXX balance of {$4400.00} Please delete all accounts from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 2025-01-22 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: FL

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft due to the XXXX data Breach. I contacted the Federal Trade Commission and filed a FTC complaint XXXX XXXXXXXX which is attached. There are accounts on my report which have been exposed XXXX data Breach. These accounts are hindering me from obtaining new credit and thus causing me much hardship. the credit bureaus are not listening to anything i say. 

Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 { e ) I request that all the information circled on my credit report be blocked from my consumer credit file with your company pending your full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the Credit Bureaus. 

Please remove all accounts from my credit report. Thanks for your help with this matter. 

XXXX XXXX OF XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft due to the XXXX data Breach. I contacted the Federal Trade Commission and filed a FTC complaint XXXX XXXXXXXX which is attached. There are accounts on my report which have been exposed Equifax data Breach. These accounts are hindering me from obtaining new credit and thus causing me much hardship. the credit bureaus are not listening to anything i say.

Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. Under the FCRA of 1970 Section 609 { e ) I request that all the information circled on my credit report be blocked from my consumer credit file with your company pending your full investigation. I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to the Credit Bureaus. 

Please remove all accounts from my credit report. Thanks for your help with this matter. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash app failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I have had nothing but trouble with my mortgage company since I got the loan. They threaten you and call you names when you try to work out arrangements with them to the point that I placed them on a non call status. I have always caught up with my payments although I have had some issues due to the death of my husband and having to care for my elderly parents. The latest tactic on their point was to send back the payment I made on XX/XX/year> which made me current. When I called to ask what this was about, they were unhelpful and stated I would be getting a letter. They said that it wasnt enough. I said that XXXX payment wasnt late yet and I would be making it. They said that they would accept no payment unless it included XXXX payment. I said okay. Now I receive letter that they are going to sell my home. I was never 120 days behind, so Im flabbergasted. I just dont know what to do and they are so hard to deal with they actually make me ill. I feel like they are breaking the law and violating my rights and because I cant afford an attorney they are getting away with it. Go online and you will see thousands of complaints but yet they are still using the same business tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: PNC Bank N.A.
State: NJ

Complaint narrative:
Dear PNC, I am contacting you with regards to the above reference application for a personal loan from your bank. You mailed me a letter indicating that this application was denied. I am concerned that this credit denial violated several laws for the following reasons ; In your letter, you listed several non-decisive factors as your basis for a denial of credit which amounts to giving false and inaccurate information to a consumer. That is a violation of 15 US code 1611. Particularly, your letter stated : serious delinquency and public record or collection filed time since delinquency is too recent or unknown ratio of balance to limit on bank revolving or other revolving accounts too high too many accounts with balances. 
( VIOLATIONS-15USC1692j, 15USC1692a ( 3 ), 15USC1681 ( n ), 15USC1692b ( 2 ) Not only is this information inaccurate, it has no bearing on the only legally valid basis for you to consider in making your credit approval decision, which is the ability of the consumer to actually repay the debt, so these factors should have never been considered when evaluating my credit worthiness in applying for this credit. 
OTHER VIOLATIONS ARE LISTED BELOW : 15USC1692a ( 1 ) 15USC1692e ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Dear JEFFERSON CAPITAL SYSTEMS, I am writing to you in response to a communication I received regarding the above-referenced account number XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 809, I request that you provide validation of the debt in question. 
To facilitate this request, I demand that you furnish me with the following information : 1. **Verification of the Debt** : Please provide the original creditor 's name and address, as well as the amount of the debt as of the date of your correspondence.

2. **Assignment Contract** : I request a copy of the assignment contract or any legal documentation that evidences your authority to collect this debt on behalf of the original creditor. This is essential to verify that you have the legal right to pursue collection actions against me. 

3. **Detailed Account Information** : Please include a detailed statement of the account, including the transaction history and any fees or interest that have been added.

4. **Proof of Compliance** : Verification that your actions are in compliance with applicable state and federal laws concerning debt collection.

Please be advised that until you provide the requested information, any further collection activities must cease, as mandated by 809 ( b ) of the FDCPA. Additionally, I reserve all rights under applicable law, including the right to dispute this debt and request further validation. 

Thank you for your prompt attention to this matter. I expect a response within 30 days of your receipt of this letter. Please send your response to my address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: AR

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. 

XXXX XXXX XXXX XXXX {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: AR

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. 

XXXX XXXX XXXX XXXX {$480.00}

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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
this account is not my account never did business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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 am writing to report unauthorized hard inquiries that have appeared on my credit report. I did not apply for or authorized these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to report unauthorized hard inquiries that have appeared on my credit report. I did not apply for or authorized these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
I reached out through telephone and online apps and was not able to resolve the issue. They are violating US 15usc1681

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 2025-01-22 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: OH

Complaint narrative:
I reached out through telephone and online apps and was not able to resolve the issue. They are violating US 15usc1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 TWO ACCOUNTS WITH XXXX XXXX SHOWING ON MY CREDIT REPORT I DID NOT DO BUSINESS WITH THEM AND FTC HAS BEEN FILED REPORTS HAVE NOT BEEN WORKED PROPERLY BLOCKS HAVE NOT BEEN PLACED. STATED I NEEDED TO INCLUDE SS WHICH IS NOT ON THE LIST OF DOCS THEY REQ THEY NEED TO WORK THIS OR RATHER BOTH OF THESE ACCOUNTS ASAP!!! 

XXXX IS ALSO NOT MY ACCOUNT FTC WAS NOT ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MI

Complaint narrative:
My student loans are being serviced by EdFinancial. I was previously serviced by XXXX. I was automatically switched from the REPAYE plan to SAVE without requesting it. When the SAVE plan was challenged in court, I was placed in the general administrative forbearance. When applications to change off the SAVE plan reopened, I submitted an application to switch to the PAYE plan. After a month of waiting, on XX/XX/year> I started a secure chat with an agent, XXXX, to request an update and to also request to be moved from general forbearance to processing forbearance. I was told that there is no timeline for application processing for anyone trying to leave the SAVE plan, and I have heard separately that some servicers are not processing these applications at all. This agent also lied to me by saying that anyone on the SAVE plan would not be moved into processing forbearance per policy, when in reality the policy states that this should be done ( I have talked with others in repayment who were successfully moved to processing forbearance, which would count toward monthly payments for PSLF eligibility ). All I want is to start paying on an acceptable payment plan, but the servicers including EdFinancial are making this unbelievably challenging and stressful during a time of great uncertainty for all Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$540.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$170.00} - Account # : XXXX  XXXX XXXX - XXXX : {$7900.00} - Account # : XXXX XXXX XXXX XXXX XXXX - XXXX : {$6300.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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